I'm sure you know the feeling. The financial markets have started to decline, and you’ve invested in them. What you knew was an integral part of investing, but hadn't yet experienced yourself, suddenly happens – your portfolio abruptly starts losing value or declines by tens of percentage points. The media is full of catastrophic predictions, and social networks are buzzing with the desperation of speculators who didn't get out of the market in time. However, you may also be on the "other" side and, after months of hesitation, wondering if it is finally time to get in and start investing. But how to do it without getting burned?