When markets become volatile, many investors begin asking the same question: Is this the right time to invest?
Headlines about geopolitical tensions, inflation, or market corrections often make investors hesitant. Some delay investing until they believe the market will rise. Others try to buy and sell frequently in hopes of catching the perfect moment.
But according to Registered Financial Planner Karlo Biglang-Awa, trying to predict the market’s next move is one of the most common mistakes investors make.
Speaking at the 14th Financial Fitness Forum last April 11, Biglang-Awa emphasized a principle that many experienced investors eventually learn.
“Time in the market versus timing the market,” he said.
The difference between the two ideas can determine whether an investor builds long-term wealth—or misses opportunities altogether.
Why timing the market is difficult
Many investors believe they can wait for the “perfect time” to enter the market.
The idea sounds logical: buy when prices are low, sell when prices are high.
But in reality, predicting short-term market movements is extremely difficult. Economic events, geopolitical developments, and investor sentiment can cause markets to rise or fall unexpectedly.
Even professional investors struggle to consistently forecast market direction.
Because of this uncertainty, Biglang-Awa said that constantly trying to time entry and exit points often leads to missed opportunities.
The power of staying invested
Instead of focusing on short-term market movements, Biglang-Awa encourages investors to focus on long-term participation.
“Time in the market will allow you to compound your profit,” he explained.
Compounding occurs when investment returns begin generating additional returns over time. As earnings accumulate, the growth of a portfolio accelerates.
But compounding only works when investments remain in the market long enough for growth to occur.
Investors who frequently enter and exit the market may interrupt this process, reducing the potential long-term gains of their portfolio.
Markets move in cycles
Financial markets rarely move in a straight line. Periods of strong growth are often followed by corrections or temporary downturns.
Biglang-Awa noted that volatility is a normal part of investing.
While market declines can feel uncomfortable, history shows that markets have consistently recovered over time.
This is why experienced investors often stay committed to their investment strategy even during periods of uncertainty.
“Volatility is normal, but discipline is rare,” he said during the forum.
Discipline matters more than predictions
For many investors, the real challenge is not understanding the strategy—it is maintaining discipline.
Fear during market declines can push investors to sell too early. Meanwhile, excitement during market rallies may tempt others to buy after prices have already risen significantly.
But long-term investing requires patience and consistency.
Biglang-Awa said that investors who regularly set aside money and stay invested through market cycles often benefit the most from the long-term growth of financial markets.
Because in investing, success is rarely about predicting the perfect moment.
More often, it is about staying invested long enough for time—and compounding—to do the work.
