Investing with a team of asset managers

November 1, 2026

Investor risk is part of life: Geopolitics, macro- and microeconomics, corporate banking, and national solvency pose a significant financial risk to the world’s capital markets. Massive debt held collectively by individuals, companies, or sovereign nations can indirectly affect currencies, bond markets, and interest rates.

Bull and Bear markets are cyclical. Markets are cyclical. If there is a hurricane warning, you know it is coming and don’t pitch your tent near the beach. Yet with the stock market, you rarely know when a correction or bear market is coming (a decline of 15-20% in value over some period). Investment fund managers work to preserve your value while looking ahead to market recovery during these periods. The intelligent investor, well-studied and cautious, is still a risk taker, recognizing that one must hold investments patiently until the fund’s stocks regain lost value and enter a rising bull market.

The pandemic created a lot of fear, causing a massive sell-off in the stock markets. Many investors made a lot of money when the stock market returned with huge gains.

Moving money in a family of funds: Most funds allow you to carry a portion or all of your money into the money market, bond, and balanced funds within an investment fund family (those offered by the same company), or your advisor may be able to move them into an alternate investment vehicle.

Buy more fund units when prices drop. Look for opportunities in bargain-priced investment fund units. This way, you can build wealth by buying stocks in many companies held by investment funds at lower prices. If you take this strategy, you must be ready to stay invested over the long haul.

An effective dollar-cost averaging (DCA) strategy can win. This involves buying fund units at regular intervals—or when the market dips—and investing the same amount each time. This means you buy more fund units when the value is lower and fewer when it’s higher. DCA is a wise investment strategy during a long-term bear market because you buy more fund units at lower prices. If you want to learn more about the benefits of this concept, please don’t hesitate to talk to your investment fund representative.

If you understand the risks of investing for long-term gains and beating inflation, you can use bear markets to your advantage with patience. A bear market can pave the way for the next bull market, when rising prices may increase the value of your investment funds. Though volatility has been frequent, the Dow Jones has substantially increased through waves of buying and selling.

 

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