Why Bear Markets Matter More Than You Think

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Why Bear Markets Matter More Than You Think
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Stocks Analysis by Lance Roberts covering: S&P 500, iShares Core S&P 500 ETF, SPDR® S&P 500, S&P 500 Futures. Read Lance Roberts's latest article on Investing.com

Einstein was correct. If I buy an investment, like a bond or a CD, that pays, my money compounds over time. This is because the interest payment is fixed, and the principal is returned at maturity.

However, as shown above, the stock market does NOT provide a fixed annual rate of return over time. It is variable, and that variability impacts the ending return of the investment over time. The chart below shows an investment in the stock market over time versus a compound market rate of return of 8%, as suggested by Motley Fool.As you can see, there is a vast difference between an actual return over time and an AVERAGE or COMPOUND market return.This past week, Visual Capitalist produced a chart onAs they note, the rule of 72 is a classic shortcut that estimates how long it takes to double your investment. The math is simple.

When investors lose money in the market, it is possible to regain the lost principal given enough time. However, and most importantly, what can never be recovered is the lost

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