What tips do you give to people in terms of weathering those storms and waiting for their assets to recover or potentially making moves? Like how do you stop people from panicking in those moments?

It's difficult because we are all human and we can let emotions get the better of us in lots of different ways in life.

The first thing is, again, a lot of this comes down to education, but trying to let people know that uncertainty and volatility is just a core part of investing.

It is going to happen.

If you look at the countless times over the last 30, 40 years where the market has fallen substantially, I mean, there's loads of times.

You know, the crash in 87. falling out of ERM in 92, long-term capital management 97, dot-com 99, 2000, 2007 financial crisis, Eurozone crisis, Brexit, you know, blah, blah, blah, blah, blah.

It goes on and on and on.

So in that kind of situation, would you say that you're okay just to plonk it all into a couple of tracker funds? Or would you still say that you need that diversification? Because, I mean, the volatility doesn't need to be such a concern then?