Securing Hannav Ledger...
Securing Hannav Ledger...
Glossary
A bear market is a sustained decline in asset prices, typically 20% or more from recent peaks, often linked to economic slowdown or panic selling.
A bear market is when investments fall sharply and stay down — scary, but often the best time to keep investing steadily.
Bear markets test behavioural discipline. Indian markets saw significant bears in 2008, 2011, 2016, 2020. Recovery periods historically reward patient SIP investors through rupee cost averaging at lower NAVs.
If your ₹10 lakh equity portfolio drops 25% to ₹7.5 lakh during a bear market, continuing ₹15,000 monthly SIP buys more units at lower prices, aiding recovery participation.
Panic selling crystallises losses. Review goals and allocation; bear markets within long horizons are often better met with patience than exit.
Historically shorter than bull markets, but painful. Indian bear phases have ranged from a few months to over a year.
Debt funds generally less volatile than equity but not risk-free. Credit and rate risks can still cause negative periods.