Is now the right time to invest in gold?

Is now the right time to invest in real estate?

Is now the right time to add financial stocks to your portfolio?

Interesting questions at the water cooler, but critical questions for your financial future. How do you/your financial advisor decide what and when to invest? If you are following sound fundamentals the answer to this question is easy. If you're not - heaven help you. Here's two fundamentals that might help:

(1) Buy low - sell high is still sound wisdom.
(2) Buy and hold - is not.