In this monthly EBnet Stream series, John Taylor, Investment expert and Actuary at Liberty Corporate Benefits, and Leon Greyling, COO ICTS Group (including EBnet) are discussing investment markets and how the prevailing winds are playing out and impacting on investment advice to retail and institutional investors. The intent is not to call the markets, but understand the context and how we can protect ourselves from the temptation of making unnecessary changes at the wrong time.