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I've found that when the market's going down and you buy funds wisely, at some point in the future you will be happy.

If you're saving for the long run, it's actually a good thing when the market is down because the more shares you have, the more you can potentially make when markets rise. And over time - decades, not months - the markets rise more than they fall.

When will you learn that the time to buy a thing is when you find what you want? If you go back the next year and try to get more, they will try to sell you something else.

A study of economics usually reveals that the best time to buy anything is last year.

I think the market is always going to be around. The goal is not to say, let's get rid of the market, because the market does render a huge number of services, and I don't want to have a fight about the price of something every time I buy a book or a bottle of water.

I believe in the future, and to be a good investor, you have to believe in the future.

My advice to the average investor in 1988 is to be patient and think long-term. It will take 18 months for confidence to get better and, in the meantime, this is absolutely no place for short-term money.

The time to save for the future is now. Thanks to compounding interest, the earlier you start putting money away for the future, the more you will save.

You have no control over the market. You can't predict where it will go, and you can't bring it back from the depths. What you can do is save more. Make sure you have cash on hand - an emergency fund of at least six months of expenses.