So, here’s some of the “expert” unactionable advise I’ve read of late (in a personal finance magazine) —

Markets are receding, but it’s not the time to go bottom fishing. There will be enough opportunities and some!

Which opportunities? When? How much? Are you willing to place a bet on your own advice? And I thought that the “experts” thought that one wasn’t supposed to time the markets. Now, I’m confused. Should I time the markets or should I not time the markets?

The [unit linked] policy offers you good de-risking plans for lowering your risk levels near maturity.

The missing part of that sentence is — “After your money has been burnt beyond recognition and reach, for whatever little there is left of it, the policy offers you good de-risking plans for lowering your risk levels near maturity.”

And here’s the worst disclaimer of all — Our “experts” may or may not have positions based on their own advise.