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Market InsightsJul 11, 2026

What happens when markets fall?

Why downturns happen, how portfolios recover, and what to do (and not do) during one.

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Downturns are normal

Markets fall regularly, sometimes sharply. It's an uncomfortable but expected part of long-term investing.

What not to do

Selling after a fall turns a temporary drop into a permanent loss. Historically, some of the best days in the market have come shortly after the worst.

What to do instead

A plan you set in calm times is your best guide in turbulent ones.

  • Keep contributing: you're buying at lower prices
  • Check your timeline, not the daily news
  • Make sure your risk level still fits you

Published: Jul 11, 2026