Good question. There's a difference between sticking with a sound strategy through normal volatility versus ignoring fundamental changes in your situation. We look at whether your original reasoning still holds. Did your time horizon change? Did your risk tolerance shift? If the foundation is the same, short-term market moves shouldn't trigger changes. But if life circumstances evolved—that's different.

Yeah, that's the hardest part. When your neighbor is bragging about crypto gains or tech stock wins, sitting tight feels foolish. Here's what we've noticed though—those quick win stories get loud publicity. The losses that follow get quiet treatment. Over time, people who stick with sensible strategies tend to have less dramatic stories but better outcomes. Not always exciting at dinner parties, but that's kind of the point.

Actually works better. Younger investors have time as an advantage that compounds differently than it does for those closer to retirement. Starting patient in your 30s gives you decades to benefit from staying course. The challenge is cultural—patience isn't exactly trending among younger demographics right now. But the math doesn't care about trends.

Ireland's deemed disposal rules make patience more complex but not less valuable. The eight-year deemed disposal on certain investments means you need different structures than UK or US investors. But the core principle—giving strategies time to work—remains sound. We just build around the tax framework rather than letting it drive every decision.