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A long-term investment plan requires a disciplined approach because when the value of your investments is in flux – and it almost always will be – it’s hard not to let your emotional side take over. When markets are falling and your investments decrease in value, you may become anxious, or worry about what impact it will have on your overall financial well-being (and consequently your retirement). And when markets take a turn the other way and start climbing, you may become a bit over-confident, willing to take on more risk to see your assets grow further. These emotions are entirely understandable but acting on them in your investment portfolio can be detrimental.