You may have already heard that the stock market has returned 10.54% on average every year for the past 100 years. But returning 10% in one given year isn’t the norm for stocks (or any other asset). Some years an investment will return much more, and some years it will return much less. In traditional finance, a bull market is when asset prices rise 20% or higher than their previous value. A bear market, on the other hand, is when prices fall 20% or lower than their previous value. Every once...