Whether this is a bull market or a bear market rally, we must go back to time-tested wisdom like proper asset allocation, diversification and regular portfolio reviews. There are investment products out there that are not correlated with the stock market. There are regions and sectors that are still doing well despite the downturn. Do not panic when others do, and do not be overly bullish when others are jumping in big time.

-Albert Lam, Investment Director of IPP Financial Advisers