Bull market or bear market is not the basis for judging the gain/loss of wealth. There are always people losing/making money in this market.

In a bull market, you make money from speculation. The premise is that you buy before the foolish money and run faster than the foolish money!

In a bear market, you earn market dividends and cyclical money. The premise is that you have to survive until that time and be able to hold on!

You don't need to understand everything, nor do you need to participate in everything! Slowly waiting for the right moment to make a correct choice is faster than anything else!