The Stock market turnaround prediction off its worst sell-off in decades is a reminder that you don’t have to be Nostradamus when it comes to knowing when a bull market ends. But the reversal also highlights how difficult it is to keep your portfolio invested when markets drop – especially when fears and pessimism are high. The key is to have a strategy in place that can help you weather both market tops and bottoms, preserving and even boosting your hard-earned gains.

This week’s market slump was sparked by concerns that the economy may slow, which would weigh on corporate earnings and lift interest rates. But, according to strategists at JPMorgan, those worries are overstated and should be reversed as the Fed pauses its rate-hiking campaign, economic data improves, and uncertainties around tariff impacts dissipate.

Higher valuations for stocks will likely remain a hurdle for some investors, but “will not be the primary driver of further market weakness,” JPMorgan analysts Dubravko Lakos-Bujas and Bhupinder Singh wrote in a recent research note. That’s because valuations by themselves aren’t a big reason why stocks decline, but rather, they set prices up to fall faster and further when things go wrong.

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While turnaround and value stocks can add diversification to a portfolio, they shouldn’t form its core. Instead, they should be used to support other investment styles, such as growth and defensive strategies. To avoid over-allocating to turnaround bets, invest gradually as they recover and only buy them when they are significantly undervalued.

Insulation That Saves Money

When your home is spray foam insulation, it provides resistance to heat flow and lowers heating and cooling costs. Insulation also reduces moisture problems that can lead to expensive mold and wood rot repairs. In fact, the EPA estimates that homeowners can save up to 15% on their energy bills by air sealing and adding insulation in attics, basements, and crawl spaces.

Different types of insulation are available to fit the specific needs and budgets of your property. For example, spray foam insulation (available in open- and closed-cell varieties) expands to fill hard-to-reach crevices and helps eliminate the air leaks that drive up utility bills. However, spray foam is more expensive than other forms of insulation.

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Other kinds of insulation include blankets, rolled rolls, and boards. The thickness and density of the material determines its R-value, or resistance to thermal flow. Some insulation materials, such as foam board, require professional installation to ensure maximum performance. In general, the thicker and denser the material, the higher its R-value.

Foam insulation is expensive but can be cost-effective in some applications. It offers higher R-values and forms an air barrier to help with other weatherization tasks, such as caulking, applying housewrap and vapor barrier, taping joints, and wrapping pipes and wires.

Loose-fill insulation, which is typically made from cellulose, fiberglass, or mineral (rock or slag) wool, can be installed in enclosed cavities such as walls and attics or in unenclosed areas such as crawl spaces. Loose-fill insulation can be blown in by professionals skilled at achieving the correct density and R-value, or it can be poured in place (e.g., polystyrene beads or vermiculite).

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Investing is about making money work harder – but it comes with an element of risk. That’s why it is important to understand the basics before you invest. But it’s also important to consider how much money you have to spare and whether investing could help you reach your savings and lifestyle goals.

Investor Centre is a good place to start, but it is worth remembering that even the best saving accounts are unlikely to keep up with inflation and in some cases actually lose money due to taxes. For this reason, it’s essential to have an emergency fund in an easy-access account covering about 6 months of expenses before you start investing.

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While taking a punt on individual shares can be an exciting prospect, it’s very risky for beginner investors. Instead, most people choose the ready-made diversification of a low-cost tracker, or ‘index’, fund which tracks the fortunes of a basket of shares in a range of different companies. This can be held within a stocks and shares ISA, or in pooled investments such as unit trusts which are often tailored to different risk profiles.

You can even invest in bonds (loans to governments or corporations) to earn a regular income from fixed interest rates. You can either invest in individual bonds or use bond funds, which are pooled investments that hold a wide variety of bonds to provide an efficient way to diversify your portfolio. Another popular investment option is impact investing, where you are seeking a return from businesses and projects that make a social or environmental difference.