And instead of trying to time markets, workers should save and invest regularly, ideally monthly.

FORBES: Savings: Start Early

One of the most important things you can do to create a healthy financial life is invest regularly and automatically.

FORBES: Invest in Yourself and Live Financially Independent

More likely, he says, firms will realise they do not need to upgrade their e-mail software every other week, or invest regularly in state-of-the-art servers.

ECONOMIST: To cut or not to cut