Special to USA TODAY, Nancy Tengler Published 4:10 p.m. ET April 13, 2020 CLOSE Bear Market is a term that sends fear into Wall Street and investors. What does it mean? And when do we enter a Bear Market? USA TODAYWill Rogers once quipped, “Don’t gamble; take all your savings and buy some good stock and hold it till it goes up, then sell it. If it don’t go up, don’t buy it.”Good advice, but impossible to follow. Still, there are things we can do to ensure our life savings are not sunk by the current bear market.First, resist the temptation to panic sell. Yes, we’ve all heard it before. Once the market starts rising again, missing the best days of stock market returns over a given time-period can torpedo your investment returns. If you had remained fully invested in a Standard & Poor’s 500 indexed fund from January 1, 1995 to March 31, 2020 you would have enjoyed an annualized return of 7.1%.Do the mathWhen the five best days during that 25-year period are removed, the return drops to 5.2%,  almost two percentage points less each year for twenty-five years. When the ten best days are missed, the return drops

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