Long term investment is safer than short term investment. The risk level is not that high, the only thing is that we need a lot of patience. For long term investment, buy excellent companies with strong business moat and good cash flow and do not be overly bother by daily news. Just like buying SGX, it is with strong business moat and free cashflow and givea quarterly dividends, so if we buy this during crisis, we will have capital gain and collect dividends along the way. In this way, we can win the market.