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new fund on again off again concerns about nega tive markets are everywhere today if you have low risk tolerance as an investor the media could have you shivering and clammy every time a central banker appears in public as a financial advisor i can see concern and fear of a real market downturn is clearly on the horizon its speed of approach depends on the latest media coverage and the current risk investors are afraid of losing their principal losing con trol and losing gains they have taken years to build advisors fear unhappy clients clients who are anxious and confused loss of strong client relationships and future business so what can we do to protect our principal protect our gains and continue to make gains the most common bear market advice is complex and often too esoteric and hands- on to provide the security blanket lowrisk investors need one article ive seen begins with the best defense can be an aggressive offense a warn ing to widows and orphans tread cautiously no thanks 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