Investors should adjust their expectations for future market performance, considering the opportunities in traditional markets like bonds and equities for stable returns, and riskier investments like AI stocks and crypto for potentially higher returns with higher volatility. It is essential for investors to align their investment strategy with their age and risk tolerance. Younger investors may consider more risk in their portfolios due to their longer investing horizon, while older investors may prioritize safety and income. Understanding the impact of bear markets on time versus price is crucial, especially in relation to life expectancy and investing goals, which can guide portfolio strategies towards more suitable investment options.

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