Investing your retirement savings means thinking about the highs and lows financial markets have already forged and how business cycles can affect your portfolio. The times investors hold more pessimism than a bust would ordinarily warrant signal a bear market. Here's what to do when you're in one.

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Pearl Funds Management, an authorised representative AFS Rep No 001254808 of Banyan Securities Pty Ltd AFSL 484139
The information presented by us is general in nature and does not take into account your personal goals and objectives. It does not represent financial product advice. You should always seek independent legal and financial advice before making a decision in relation to a financial product. Read the Product Disclosure Statement (PDS) before making a decision. You should consider your own circumstances, needs and financial objectives before making a decision.

Daniella D'Ambrosio
12 May 2015