2015 is also setting up to be a more volatile one, as geopolitical uncertainty remains in Russia and the Middle East, lower oil prices threaten economic growth in Europe and many of the developing economies and the U.S. Federal Reserve (Fed) is set to raise interest rates at some point during the year.

Amidst all of this uncertainty, many investors are wondering if they should exit the market, or at least reduce their exposure. But what market history has shown us is that individual investors tend to do the wrong thing at exactly the wrong time. They panic when uncertainty increases, selling into down markets, and then reenter too late, only after the market has recovered.