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  "documentTitle": "modern retirement monthly report en",
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      "kind": "disclaimer",
      "text": "Please see What retirees can do during a market downturn for more information.",
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      "text": "1. Put returns into context: Segmenting wealth by purpose can help put investment risk and performance into context.\n2. Hold off on refilling your Liquidity strategy: Depleting the Liquidity strategy assets during a bear market increases the remaining portfolio's allocation to stocks, helping to position it for the recovery.\n3. Tax loss harvest: Realize capital losses to help you to reduce tax drag and add to the after-tax return potential of your taxable assets.\n4. Rebalance: To make sure your portfolio doesn't drift too far from your target allocation, we recommend rebalancing your portfolio periodically using an allocation-based rule of thumb.\n5. Accelerate planned Roth conversions: Bear markets present an opportunity to accelerate planned Roth conversions for two reasons:\ni. All future gains will be completely income-tax free, instead of just tax-deferred, as long as the assets have been in the Roth IRA for five years, and you are at least age 59½ at the time of the withdrawal.\nii. It can help you to reduce the tax cost of the conversion, especially if you have both tax-deferred and after-tax dollars in your Traditional IRA.",
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