Financial Services

Consider a retail investor who invested heavily in mid-cap and small-cap stocks during a bull phase. As markets turn volatile, liquidity dries up, valuations compress, and drawdowns become steep.

A professional portfolio management manager in such a scenario may:

Gradually reduce exposure to overheated mid and small caps

Rotate part of the portfolio into high-quality large caps

Increase allocation to short-duration debt or cash

Avoid forced selling by maintaining liquidity buffers

Instead of reacting to daily market noise, the manager follows a predefined risk framework. The portfolio may still experience volatility, but drawdowns are controlled, and capital remains available to deploy when opportunities emerge.

An individual investor, facing the same environment, often panics near market lows or freezes due to uncertainty- both outcomes hurt long-term returns.

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