The bull market officially hits its three-year milestone, marking a significant period of growth since October 2022. In this episode of Metcalf Money Moment, hosts Jeb, Ethan, and Eric break down what bull markets and bear markets really mean for investors. They explore historical data showing that bull markets typically last 4.3 years with average gains of 150%, while bear markets last only 1.5 years. The team discusses investor psychology and common emotional pitfalls — such as fear, greed, and overconfidence — that threaten portfolio performance. Learn about average bull-market duration and returns, and discover why staying invested through market volatility is crucial to long-term investing success.

What you will Learn in this Episode:

The key differences between bull markets and bear markets, including how the S&P 500 moves through the cycle, with bull markets averaging 4.3 years and 150% gains versus bear markets lasting just 1.5 years with 35% declines.

Why investor psychology and emotions like fear, greed, and overconfidence pose a bigger threat to your portfolio performance than actual market volatility, and how to avoid common investment strategy mistakes.

How to leverage market corrections as opportunities rather than threats, and why working with a financial advisor helps you stay focused on long-term investing instead of attempting market timing.

The current bull market trajectory and potential headwinds, including tariffs, interest rates, and geopolitical concerns that could impact your wealth management and retirement planning goals.

Tune into the Metcalf Money Moment podcast for expert insights on wealth management and retirement planning! Join Jeb, Ethan, and Eric for practical Estate Planning strategies that you can implement to unlock financial clarity and confidence. Listen now to inspire your financial journey!

TIMESTAMPS:

00:00 Discussion of the three-year bull market anniversary and overview of bull markets versus bear markets

02:30 Defining bull markets and bear markets: Understanding the 20% threshold for the S&P 500, market corrections, and historical data

08:24 Current bull market analysis: Ethan discusses the 90% gain since October 2022, potential headwinds, and why long-term investing beats trying to time the market

11:45 Investor psychology and Emotional Threats: Eric covers fear, greed, overconfidence, regret, herd mentality, and impatience that damage portfolio performance more than market volatility

18:38 Patience and Strategy: The importance of working with a financial advisor, avoiding emotional decisions, and staying committed to your financial planning through market cycles

KEY TAKEAWAYS:

Bull markets occur 75% of the time and last significantly longer than bear markets (4.3 years versus 1.5 years), making staying invested through market volatility the smarter investment strategy than attempting market timing.

The longest bull market in history ran from 1987 to 2000 with a 582% gain, while the shortest bear market (COVID) lasted only 1.1 months—proving that markets take the escalator up and the elevator down.

Emotional threats like fear, greed, overconfidence, and herd mentality pose greater risks to portfolio performance than actual market declines, which is why working with a financial advisor helps maintain discipline during turbulent periods.

The current bull market is only three years old with 90% gains since October 202. If history repeats itself, there could be another 12-24 months of growth, making patience and long-term investing essential for successful retirement planning.

ABOUT THE HOSTS:

Jeb Graham, the CEO...