What Are Bull And Bear Markets?

Are you new to stock investing and ever wondered what people meant by referring to markets being bull or bear? Well, let me explain it to you in simple terms what they mean.

A Bull Market is when the overall market’s share prices are rising. This is a time when many shareholders are buying a lot of shares in the marketplace, causing higher prices and more profitability. Don’t we all love Bull markets?

A Bear Market is when the overall market’s share prices are falling. Shareholders are selling off their shares causing lower prices, profit loss, and less profitability.

You may notice when stock analysts describe a particular market or stocks having a bullish trend or bearish sell-off. They are simply referring to highs, lows and the attitude of the market. Do you think we are in a bear market, or is it bearish? Leave your answer in the comments below!

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Stock Talk: Panic Selling

With the recent tariff troubles between U.S, China, and the typical New Year lows, it can be difficult to try not to panic sell. “Mrs. Market” is quick to tell you about the newest stocks to add to your retirement and the major sell-off in the month of February and March may have hurt your stock portfolio.

It is said that the average Bear market may descend to 28% and the average Bull market may ascend 130%. However, I cannot stress enough to you about how crucial it is to have your own set of rules.

I am apart of many investing groups and the difference between the common speculator and the seasoned investor is the seasoned investor is not quick to sell her/his securities. The seasoned investor is very patient, willing to wait until it is absolutely necessary to sell. In many cases, she/he will have a written strategy of the exact percentage that is customized to their portfolio.

Though I feel the market is still undergoing a correction (and it may be that way for quite some time), it’s very easy to lose money right now. Hold on tight and sell when absolutely have to.

Stock Talk: Why Aren’t Black Women Investing?

It’s not that I don’t think we aren’t investing, it’s the fact that investing is not promoted in the African American community. Besides idols such as Daymond Jon from Shark Tank and Debra L. Lee, owner of B.E.T., there aren’t many black women (or people for that matter) that I know who are stock investors. Though to my surprise, there are a lot of black women who are real estate investors, why not stocks? Is it because it is a male-dominated community? Or perhaps we have been portrayed as the black single mother who only works from job to job?

Nonetheless, stock investing is taught because it is the choice of the individual. Regardless of your race or gender, stock investing is for everyone! Though this game is tough, it takes great knowledge and patience. All of the stock investors I know are wonderful people who are always willing to share great lessons from their mistakes. How did you find out about stock investing? Like and comment below!

Stock Investing 101: Long Haul

If I have one word for my stock investing journey thus far it is patience. Investing in the stock market is not for the faint of heart, but if you commit to studying the market, you can win. But before you jump in with the sharks, there are a few more things you need to have before you need to know.

The Right Brokerage for You

Most brokerages require you to open with $5,000 for a standard account, while there are others that don’t require money to open. Starting out, may I recommend you starting with a stock app such as Stash or Acorns to get your feet wet. When I started investing, I had as little a $5-$20 dollars a week. These app brokerages make it simple and explain step-by-step how the market works. Once you have more money and experience, check out the zero fee and commission free brokerages- these brokerages I have found to be wonderful companies that are great for the novice investor as well as the seasoned investor. I currently us Robinhood and Ally (TradeKing), but I certainly wouldn’t advise the novice investor to start here. Though there are other larger brokerages such as Fidelity, TD Ameritrade, and Chares Schwab, there are other companies (just as good) that require a fee and high commissions. If you choose to use a larger brokerage, they may have more varieties of stocks and funds, but if you could buy shares of AAPL (Apple) or AMZN (Amazon), why not get it with zero fees?

The Long Haul

Long-term investing is the best investing. Buy as low as possible, and when you sell, sell when everyone is buying and when the stock is reaching high records. For taxes, longevity, and maturity, hold your stocks for at least a year before you sell. From my personal experience (and still learning) you cannot be easily swayed by your emotions. You have to be strong in bull and bear markets.

Closing Disclosure

Again, I am by no means a professional or paid to write this from a stock brokerage, nor responsible for your gains or losses. I am simply passionate about stock investing, looking to share more information to women of all ages about the stock market. Have I made hundreds of dollars, yes. Have I lost hundreds of dollars…unfortunately, yes. But Financial education means everything in this game. Study hard, stay calm, and secure your future.

Get over whatever is holding you back. -Sallie Krawcheck

Price is what you pay, value is what you get. -Warren Buffet