Investors today have more tools, data, and advice than ever before—yet most still struggle to keep up with market returns. The problem isn’t a lack of information; it’s the challenge of making decisions at the right time.

For over 40 years in asset management, I’ve observed a recurring pattern that few want to admit: the investment industry thrives on cycles—not just market volatility, but the predictable ebb and flow of client assets. And while most conversations focus on the market’s ups and downs, the real tragedy lies elsewhere—in investors’ self-inflicted wounds.