It is quite natural for clients to look for higher returns but as investment professional we must know that safety is their primary concern. In good times, they tend to compare returns of equity markets with their own portfolio. Yet, when markets fall, they want you to protect their wealth by having lower risk products and more allocation to debt. This is a behavior issue which we need to handle. It is important to read the mind of the investor and suggest asset allocation accordingly.The rule is; if you are not sure, take lower risk. Remember, they don’t know how to handle their own money and so they are coming to you. With time, you need to develop this expertise of behavior management.