Five smart investment moves to make as a bear market looms

It’s a good time to revisit your investment portfolio and make sure it is aligned with your goals, said financial advisor Roger Ma, CFP and founder at Lifelaidout.

Focus on your particular risk tolerance and time horizon, rather than what is going on in the markets, Ma said.

“You shouldn’t stray from your financial plan just because you’ve seen a dip,” Ma said.

It is a good idea, however, to check every couple of months to make sure your actual assets are still within 5 percent of your target allocation, Ma said.

And if you do want to sell to realign your portfolio with your goals, do it the same way you should when buying stocks: gradually, over time.

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