The author argues a bear market will eventually arrive, since corrections and crashes recur, but the market and economy have always recovered to reach new highs. Citing Hartford Funds, bear markets occur on average every 3.5 years and usually last less than a year, while the stock market's long-term average annual gain is close to 10%. According to the author, money needed within about five years should sit in less volatile places such as high-yield savings accounts, CDs, money market accounts or bonds, while long-term money can stay invested to ride out downturns. Near retirement, the piece suggests moving more money out of stocks but keeping some, since a 60-year-old may live 25 more years.
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Related tickers and likely impact
SPY
▼ Likely negativeSPDR S&P 500 ETF
Relevance: low
| Market | US stocks |
|---|---|
| Sector | ETF |
| Close on 10/30/2026 | 755.71 |
| Change that session | -1.77% |
QQQ
▼ Likely negativeInvesco QQQ Trust
Relevance: low
| Market | US stocks |
|---|---|
| Sector | ETF |
| Close on 10/30/2026 | 690.49 |
| Change that session | -3.47% |
NVDA
• NeutralNvidia
Relevance: low
| Market | US stocks |
|---|---|
| Sector | Information Technology |
| Industry | Semiconductors |
| Market cap | $5.1T |
| Close on 10/30/2026 | 204.81 |
| Change that session | -4.14% |
Impact is scored by AI from the headline and may be wrong. It is not investment advice.
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