Getting to that age where I’m starting to thinking about retirement in 20 - 25 years time.

I am investing to add to my work base pensions.

I’ve been told my investments are very conservative, but they were doing incredibly well before we hit this current bear market.

Bear markets are often caused by inexperienced people panicking and making the worst mistake possible - withdrawing. Those of us who leave our funds alone have historically seen double return when the bull market arrives and things start go back to normal. Bear markets are no different than a shop having a sale.

Also remember, September has historically been a bad month for the S&P500. This year is just a little extreme.

You have to fight psychology; the natural desire to withdraw when we do hit a bear market. Remember the ball always cases the bear. - You will make money by leaving your stocks alone.

S&P500 should be the largest part of everybody’s profile.

“Be fearful when others are greedy, and be greedy when others are fearful” - Warren Buffet (1986)