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In this segment, Mike Milligan warns that financial markets do not always rebound in a predictable manner and that no one can guarantee a swift recovery after a crisis. He stresses that emotional, reactionary investment decisions can undermine a long‑term strategy. Consequently, he advocates for constructing investment portfolios that are deliberately aligned with an individual’s risk tolerance and investment time horizon, ensuring that future decisions are driven by a pre‑established plan rather than panic when another market downturn occurs.

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