The guide advises retirees to keep a cash reserve, avoid panic selling, reassess asset allocation, and consider income‑generating assets during bear markets, which historically occur every 3.
Since World II, a new bear market has appeared roughly every 3.5 years and has lasted on average 9.6 months, though history does not indicate when the next one will begin. The article notes that bear markets can strain fixed‑income retirees but also present opportunities.
Retirees are urged to calculate essential monthly expenses, subtract guaranteed income (Social Security, pensions, etc.), and maintain a cash reserve to cover any shortfall, avoiding forced sales at discounted prices. The guide cautions against panic‑selling and recommends staying calm, sticking to a long‑term strategy, and reviewing asset allocation to ensure it matches risk tolerance. It suggests emphasizing income‑generating assets such as dividend‑paying stocks, dividend ETFs, or bonds.
The piece highlights that roughly 42 % of the S&P 500’s strongest days over the past two decades occurred during bear markets, implying that staying invested can be beneficial. It also references a promotional claim that retirees could increase Social Security benefits by up to $23,760 annually, directing readers to a subscription service for details.
The timing of the next bear market remains uncertain, as historical patterns do not predict its onset.