"When planners talk about long-term, we generally talk about five years," he said. "If you need the money within three years then you probably shouldn't be in the market to start with."
Zhuang said that investors might feel burned if their advisers gave them false expectations.
"If a planner has promised his client that he can predict the market, then the trust is lost," he said. "For a planner, at least in the short term, it is almost impossible to predict the market."
Zhuang noted that even legendary investor Warren Buffett has lost money in the short-term.
"He has recommended buying things since the middle of last year and so far he hasn't been right," Zhuang said.
Since the beginning of the year, stock in Buffett's Berkshire Hathaway has fallen 18.6 percent. In the same period, the Dow Jones industrial average has lost 14.9 percent of its value.
Zhuang is suggested that people with long-term goals still buy.
"The market is at a discount now," he said.
But could it go down more? Sure.
"We humans simply can't predict the future. That's God's job," he said. "Don't let your emotions fluctuate with the market. Stick to your plan."