I would admit that as much as I try to get non-emotional about investing, I was perturbed when my portfolio was in deep red recently. As I watched the stock prices declining rapidly in early March, I couldn't fathom why investors would sell when there are no fundamental changes in the companies. Of course, I will always articulate my thoughts to my colleague, Wise One, to seek some answers. A part of me regretted slightly for not selling some stocks earlier after making a decent profit.

The Wise One said:

1. People can be emotional during market downturn. They may not be able to stomach the losses and may need the cash. So they sold.

2. Funds will need to protect their clients' money and so they had to sell to cut losses.

3. Traders and investors have different time horizons. Thus traders may sell their stocks to also cut losses. If your time horizon is years, then just hold.

So I ask myself these 3 questions during the market downturn:

1. Do I need the cash now? No

2. Are there changes to the companies' fundamentals? No

3. What is my investment time horizon? More than 5 years

Hence, I "hodl" and keep holding....doing nothing has paid off looking at current situation (hopefully it stays this way). Are you experiencing the same emotions and "hodling" too?