Here's my take on what's happening on the financial market:
Values of stocks, mutual funds, real estate properties, and the like, rise and fall in cycle. This scenario has been the case ever since. When investors invest their monies on any of these investment vehicles, he should have a knowledge of its INTRINSIC VALUE. If he merely follows the rumors in the financial market, he is a speculator.
Here is where a Christian Financial Advisor comes in. It is his job to educate the investor on this area: fit the investment vehicle according to the client's investment risk. Educate. Educate. Educate.
Investing is NOT rocket science. However, it requires DISCIPLINE to continuously save a portion of his income, for future use. What's that future? When the investor becomes weak and unable to perform his work 8 or more hours a day, 5 days or more a week, 52 weeks or less in a year. We ALL have expiry dates. We ALL need to realize that what we are earning right now isn't a lifetime pay. Until we realize this truth and put some of our earnings to savings, we will not be a good steward of God's financial blessings. God did not command us to just tithe 10%. God requires us to be responsible stewards 100% of our earnings.
So, whether a person invests and saves a portion of his monies in stocks, mutual funds, real estate properties, or any investments vehicle, is out of the question. The real questions are: Did the investor plan to invest in these vehicles with a motive to honor God or just himself? What kind of financial plan did he make? Are there savings for the short-term, medium term and long term? Did he commit to God those plans? OR, is he jittery when his savings goes down in value when the market is bearish? OR, does he really know that everything is owned by God and no matter what happens to his savings, God will take care of him?
Saving is a DISCIPLINE. DISCIPLINE is what will give honor and glory to God and bring a positive testimony to other people. Accumulation of savings, if it turns out above the current inflation rate, is a BONUS. If we view our monies as THE ALMIGHTY DOLLAR, we will be afraid of the market, whether it is bullish or bearish.