Bear markets are a natural part of investing in equities around the world. Bear markets are… well, nobody likes them. They’re tough, but they have always been temporary, and there’s never been a permanent loss of capital during bear markets of globally diversified portfolios. The most important thing about bear markets is to remember they’re not predictable when they begin, and you can’t predict when they’ll end. To receive a higher rate of return on your capital without investing in cash, you must always be invested in markets, and bear markets can create stress, which could create potential poor financial decisions. It’s like this demon has shown up to unsettle your mind. They seem to be at inopportune times in your life, but the reality is that any time a bear market rolls in, it’s inopportune.