Multiple sources stress that investors should make decisions by assessing how a product fits their financial goals rather than being guided by marketing claims. The guidance focuses on cutting through “hype” and examining the suitability of an investment product in relation to the investor’s desired outcome. Both outlets present the same core idea: individuals should match their investment choices to their stated financial goal and the time period they plan to invest over—the investment horizon. The recommendation implies that suitability is determined by factors such as whether the product aligns with the investor’s objectives within the timeframe they have set, rather than by short-term appeal or promotional messaging. While the sources do not name specific investment products or provide detailed methodology, they consistently encourage a goal- and horizon-based approach to choosing investments. The overall message is that investors should evaluate product characteristics in the context of their own plans to better align expected performance with their timeline.