In my experience, you can't tell people not to be worried; they're either worried or they're not, and no amount of empirical evidence or data can change that. What I will say is that there's always a reason to worry when investing. There's always been an "apocalypse du jour." Today's candidates include Ebola, Russia, ISIS, the European slowdown, China and a Federal Reserve Bank that has overstepped its bounds. But I remember similar reasons for concern in the past, such as SARS, Long-Term Capital, the collapse of the Thai bot, the Russian ruble, Y2K, Saddam Hussein, 9/11, credit default swaps, the collapse of Lehman, and fears about a run on our banks. Yet, during that time, I watched the Dow go from 2,000 to 17,000. One thing's for sure ... now is always the hardest time to invest. I believe it is important for investors to remember market corrections and recoveries are frequent and a normal part of investing.