Holding cash in case a bear market hits? Here's where and when to invest if stocks plunge.

Investment Strategy During Bear Markets: Experts recommend a cautious approach to investing cash during bear markets, suggesting dollar-cost averaging and focusing on quality dividend stocks and large-cap tech for potential gains.

Market Timing and Diversification: While timing the market can be challenging, having a plan in place is crucial; diversifying investments across sectors with as few as 12 stocks can help mitigate risks and capture better-performing assets.