{"id":1689,"date":"2025-09-11T07:21:35","date_gmt":"2025-09-11T07:21:35","guid":{"rendered":"https:\/\/www.bearsavings.com\/blog\/?p=1689"},"modified":"2025-09-11T07:22:31","modified_gmt":"2025-09-11T07:22:31","slug":"protecting-your-downside-in-investing","status":"publish","type":"post","link":"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/","title":{"rendered":"Protecting Your Downside in Investing"},"content":{"rendered":"<div style=\"margin-top: 0px; margin-bottom: 0px;\" class=\"sharethis-inline-share-buttons\" ><\/div>\n<p class=\"wp-block-paragraph\">Every investor wants to hit the big score.&nbsp;There\u2019s a problem with this mentality, however.&nbsp;Markets don\u2019t always go up.&nbsp;Prices fluctuate, trends reverse, and drawdowns occur.&nbsp;That\u2019s why successful investors spend as much time thinking about risk as they do about potential returns.&nbsp;The critical concept here is downside protection\u2014ensuring your losses never get so big they erase years of progress.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s the old \u201cdefense wins championships\u201d mentality.&nbsp;Scoring points is half the game, but if you don\u2019t protect your own goal, you won\u2019t be in the game long.&nbsp;Downside protection is your defensive strategy.&nbsp;It lets you stay in the markets long enough for compounding and recovery to work.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#Understanding_%E2%80%9CProtecting_Your_Downside%E2%80%9D_in_Investing\" >Understanding \u201cProtecting Your Downside\u201d in Investing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#The_Importance_of_Protecting_Your_Downside\" >The Importance of Protecting Your Downside<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#7_Strategies_for_Protecting_Your_Downside\" >7 Strategies for Protecting Your Downside<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#Diversification_Across_Asset_Classes\" >Diversification Across Asset Classes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#Asset_Allocation_Aligned_With_Risk_Tolerance\" >Asset Allocation Aligned With Risk Tolerance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#Using_Stop-Loss_Orders\" >Using Stop-Loss Orders<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#Hedging_With_Options\" >Hedging With Options<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#Keeping_an_Emergency_Cash_Reserve\" >Keeping an Emergency Cash Reserve<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#Position_Sizing\" >Position Sizing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#Dollar-Cost_Averaging\" >Dollar-Cost Averaging<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#Case_Studies_of_Downside_Protection_in_Action\" >Case Studies of Downside Protection in Action<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#Case_Study_1_The_2020_Pandemic_Crash\" >Case Study 1: The 2020 Pandemic Crash<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#Case_Study_2_The_Dot-Com_Bubble\" >Case Study 2: The Dot-Com Bubble<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#Real-Life_Psychological_Benefits_of_Protecting_Your_Downside\" >Real-Life Psychological Benefits of Protecting Your Downside<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#The_Biggest_Mistakes_to_Avoid\" >The Biggest Mistakes to Avoid<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#Need_a_Long-Term_Mindset_aka_The_Buffett_Rule\" >Need a Long-Term Mindset: (aka The Buffett Rule)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#Takeaway\" >Takeaway<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Understanding_%E2%80%9CProtecting_Your_Downside%E2%80%9D_in_Investing\"><\/span>Understanding \u201cProtecting Your Downside\u201d in Investing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">At the risk of being too obvious, protecting your downside in investing means creating a financial safety net.&nbsp;You can\u2019t avoid risk completely\u2014that would be impossible with market investments.&nbsp;But you can position your portfolio so a downturn isn\u2019t a disaster.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s the difference between a temporary setback and a financial catastrophe.&nbsp;By limiting your risk, you build a buffer against volatility and put yourself in position to make money over the long term.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Simply put: it\u2019s not about how high you win when the markets are up, but how low you go when they\u2019re down.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Importance_of_Protecting_Your_Downside\"><\/span>The Importance of Protecting Your Downside<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Why should you prioritize downside protection?&nbsp;There are three primary reasons:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The Math of Losses:<\/strong> Losing 50% of your portfolio means you have to gain 100% just to break even.&nbsp;The larger the losses, the further you must climb out of that hole.&nbsp;Protecting your downside is a way to avoid this compounding problem.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Emotional Damage: <\/strong>The truth is that most investors underperform the market.&nbsp;Why?&nbsp;Fear and panic at the first sign of trouble.&nbsp;Protecting your downside removes the emotional pressure and lets you stay invested.<\/li>\n\n\n\n<li><strong>Long-Term Compounding: <\/strong><a href=\"https:\/\/www.bearsavings.com\/tools\/compound-interest-calculator\/\" target=\"_blank\" rel=\"noopener\" title=\"Compounding\">Compounding<\/a> is an exponential process.&nbsp;Interruptions through panicky selling or huge drawdowns prevent your money from working for you over decades.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In summary, protecting your downside isn\u2019t negative thinking.&nbsp;It\u2019s survival.&nbsp;And survival is success in investing.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_Strategies_for_Protecting_Your_Downside\"><\/span>7 Strategies for Protecting Your Downside<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Alright, we know the theory.&nbsp;Now let\u2019s talk practical application.&nbsp;Below are seven strategies to protect your downside.&nbsp;These strategies range from simple to advanced but are used by everyone from beginner investors to professional fund managers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Diversification_Across_Asset_Classes\"><\/span>Diversification Across Asset Classes<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cThe financial portfolio equivalent of the Boy Scouts\u2019 motto, \u2018Be prepared\u2019\u201c\u2014Jeremy J. Siegel<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Diversification might be a clich\u00e9 now, but it\u2019s for good reason.&nbsp;Building a mix of assets like stocks, bonds, real estate, and alternatives reduces dependence on the performance of any single one.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So if a given asset class is hit by a negative event, you have a buffer from other types still performing.&nbsp;For example, during the 2008 global financial crisis, stocks collapsed, but government bonds remained strong.&nbsp;Investors who held both did not lose as much as those all-in on equities.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Asset_Allocation_Aligned_With_Risk_Tolerance\"><\/span>Asset Allocation Aligned With Risk Tolerance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The right blend of assets depends on your goals and risk tolerance.&nbsp;A 25-year-old investor with decades to save can reasonably own more equities than a retiree who needs reliable income.&nbsp;Aligning your asset allocation with your personality ensures you don\u2019t panic during drawdowns.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>General rule of thumb:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Younger \u2192 more stocks<\/li>\n\n\n\n<li>Older \u2192 more bonds\/cash<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Using_Stop-Loss_Orders\"><\/span>Using Stop-Loss Orders<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A stop-loss order automatically sells a stock when it reaches a set price.&nbsp;You can use these to protect against catastrophic declines.&nbsp;For example, if you buy a stock at $100 but place a stop-loss at $85, your loss will be capped at 15%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Warning: this can get triggered by short-term volatility, so don\u2019t set stop-losses too close to the purchase price, especially on volatile stocks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Hedging_With_Options\"><\/span>Hedging With Options<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Options are an important tool.&nbsp;You can use puts on individual stocks or indexes to gain the right to sell at a set price, regardless of market movements.&nbsp;This is similar to buying insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Professional investors use this technique to set floors, ensuring their downside is always limited even in severe downturns.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Keeping_an_Emergency_Cash_Reserve\"><\/span>Keeping an Emergency Cash Reserve<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cash is boring but practical.&nbsp;By holding some dry powder, you won\u2019t need to sell investments at a loss during a downturn.&nbsp;Instead, you can hold or even buy low.&nbsp;Think of cash as a rainy-day fund.&nbsp;It protects you today and positions you to take advantage tomorrow.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Position_Sizing\"><\/span>Position Sizing<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Don\u2019t bet too big on any single investment.&nbsp;Limit your position size to protect your portfolio.&nbsp;Even if one holding collapses, your overall account remains intact.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many professionals follow the \u201c2% rule\u201d\u2014never risk more than 2% of their capital on one trade.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dollar-Cost_Averaging\"><\/span>Dollar-Cost Averaging<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Investing the same dollar amount at regular intervals automatically dollar-cost averages your investments.&nbsp;You buy more shares when prices are low and fewer when they are high.&nbsp;It also means you\u2019re not trying to time short-term market moves.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Beginners use this to stay invested without worrying about entry points.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Case_Studies_of_Downside_Protection_in_Action\"><\/span>Case Studies of Downside Protection in Action<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Case_Study_1_The_2020_Pandemic_Crash\"><\/span>Case Study 1: The 2020 Pandemic Crash<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In March 2020, global financial markets crashed over 30% in weeks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investor A had a portfolio fully invested in growth stocks.&nbsp;On the downturn, they panicked and sold at a loss, locking in their losses and missing the recovery.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investor B was more conservative, with 70% stocks, 20% bonds, and 10% cash.&nbsp;Their portfolio only fell 18%.&nbsp;With some cash on hand, they bought more stocks at the bottom.&nbsp;By the end of 2020, their account had not only recovered but exceeded pre-crash levels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The key: by protecting their downside, Investor B could stay calm and use the market crash as an opportunity.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Case_Study_2_The_Dot-Com_Bubble\"><\/span>Case Study 2: The Dot-Com Bubble<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In 2000, internet stocks became overvalued and eventually <a href=\"https:\/\/www.investopedia.com\/terms\/d\/dotcom-bubble.asp\" target=\"_blank\" rel=\"noopener\" title=\"crashed by over 70%\">crashed by over 70%<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investors who had diversified portfolios or who used stop-losses avoided these losses.&nbsp;Meanwhile, those who were over-exposed to tech stocks lost life savings.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Real-Life_Psychological_Benefits_of_Protecting_Your_Downside\"><\/span>Real-Life Psychological Benefits of Protecting Your Downside<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Wait\u2014aren\u2019t we just talking numbers?&nbsp;Yes, but consider these psychological benefits:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Reduces Panic Selling: <\/strong>Your first instinct when the markets drop is not to panic if you know you won\u2019t lose everything.<\/li>\n\n\n\n<li><strong>Encourages Patience: <\/strong>You can keep following your long-term plan, even if the markets crash.<\/li>\n\n\n\n<li><strong>Improves Investor Discipline: <\/strong>Risk management forces consistency, preventing emotional mistakes.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Behavioral finance tells us humans fear losses more than we value gains.&nbsp;Downside protection addresses this behavioral bias directly.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Biggest_Mistakes_to_Avoid\"><\/span>The Biggest Mistakes to Avoid<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If there is one common theme among investors who lose money, it is in their risk taking.&nbsp;Warren Buffett put it thus: \u201cRisk comes from not knowing what you\u2019re doing\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When thinking about protecting your downside, here are the common mistakes to look out for.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Too Much Diversification: <\/strong>Investors can get too conservative.&nbsp;They buy 50 different mutual funds and have exposure to everything.&nbsp;This can water down returns.&nbsp;Instead, aim for \u201csmart\u201d diversification.<\/li>\n\n\n\n<li><strong>Waited Too Long: <\/strong>You can\u2019t wait until the market crashes to implement risk protection strategies.<\/li>\n\n\n\n<li><strong>Reliance on Only One Strategy: <\/strong>Think stop-losses or cash are all you need for downside protection?&nbsp;Think again.&nbsp;Risk management requires a toolbox of different methods.<\/li>\n\n\n\n<li><strong>Misunderstands What \u201cSafety\u201d Means: <\/strong>Even super-safe investments like government bonds have interest rate and inflation risk.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Need_a_Long-Term_Mindset_aka_The_Buffett_Rule\"><\/span>Need a Long-Term Mindset: (aka The Buffett Rule)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Don\u2019t lose money.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Don\u2019t forget rule number one.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Warren Buffett is one of the greatest investors of all time, and <a href=\"https:\/\/www.bearsavings.com\/blog\/top-10-learnings-from-warren-buffett\/\" target=\"_blank\" rel=\"noopener\" title=\"Top 10 Learnings from Warren Buffett: Timeless Lessons from the Oracle of Omaha\">his investing principles<\/a> still work.&nbsp;The first rule of investing is this: it doesn\u2019t matter if you make 2% or 20% return if you lose money.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The simple genius of this concept is that in investing, a permanent loss of capital is the worst result.&nbsp;There is no comeback from losing everything.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">By building downside protection, you prevent that.&nbsp;And if you can survive, your money can compound, and you can build wealth over the long term.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Takeaway\"><\/span>Takeaway<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To protect your downside in investing is not being pessimistic.&nbsp;It is being resilient.&nbsp;Whether you\u2019re an amateur buying broad-market index funds or an experienced trader picking individual stocks, you must manage risk.&nbsp;By diversifying your portfolio, setting smart allocations, and using tools like stop-loss orders, options, and cash reserves, you can face downturns with confidence.&nbsp;The goal is not to avoid losses altogether but to ensure they can never become catastrophic.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In the long run, it\u2019s not the investor who gambles the most that wins.&nbsp;It\u2019s the one who survives, compounds, and grows steadily over decades.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Every investor wants to hit the big score.&nbsp;There\u2019s a problem with this mentality, however.&nbsp;Markets don\u2019t always go up.&nbsp;Prices&#8230;<\/p>\n","protected":false},"author":1,"featured_media":1690,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[40],"tags":[],"class_list":["post-1689","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","article","has-background","has-excerpt","has-avatar","has-author","has-date","has-comment-count","has-category-meta","has-read-more","has-post-media","thumbnail-"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.5 - aioseo.com -->\n\t<meta name=\"description\" content=\"Learn how protecting your downside in investing helps safeguard your portfolio. Discover practical strategies to manage risk, limit losses, and invest smarter.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"DA\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/\" \/>\n\t\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 5.0.5\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"BearSavings - Sharing Money Saving Tips, Budgeting, Making Money, Investing\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Protecting Your Downside in Investing\" \/>\n\t\t<meta property=\"og:description\" content=\"Learn how protecting your downside in investing helps safeguard your portfolio. Discover practical strategies to manage risk, limit losses, and invest smarter.\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/www.bearsavings.com\/blog\/wp-content\/uploads\/2025\/09\/protecting-your-investment-downsides.png\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/www.bearsavings.com\/blog\/wp-content\/uploads\/2025\/09\/protecting-your-investment-downsides.png\" \/>\n\t\t<meta property=\"og:image:width\" content=\"1536\" \/>\n\t\t<meta property=\"og:image:height\" content=\"1024\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2025-09-11T07:21:35+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2025-09-11T07:22:31+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"Protecting Your Downside in Investing\" \/>\n\t\t<meta name=\"twitter:description\" content=\"Learn how protecting your downside in investing helps safeguard your portfolio. Discover practical strategies to manage risk, limit losses, and invest smarter.\" \/>\n\t\t<meta name=\"twitter:image\" content=\"https:\/\/www.bearsavings.com\/blog\/wp-content\/uploads\/2025\/09\/protecting-your-investment-downsides.png\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"BlogPosting\",\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/protecting-your-downside-in-investing\\\/#blogposting\",\"name\":\"Protecting Your Downside in Investing\",\"headline\":\"Protecting Your Downside in Investing\",\"author\":{\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/author\\\/derek\\\/#author\"},\"publisher\":{\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/#organization\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/protecting-your-investment-downsides.png\",\"width\":1536,\"height\":1024,\"caption\":\"protecting your investment downsides\"},\"datePublished\":\"2025-09-11T07:21:35+00:00\",\"dateModified\":\"2025-09-11T07:22:31+00:00\",\"inLanguage\":\"en-US\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/protecting-your-downside-in-investing\\\/#webpage\"},\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/protecting-your-downside-in-investing\\\/#webpage\"},\"articleSection\":\"Investing\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/protecting-your-downside-in-investing\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/category\\\/investing\\\/#listItem\",\"name\":\"Investing\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/category\\\/investing\\\/#listItem\",\"position\":2,\"name\":\"Investing\",\"item\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/category\\\/investing\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/protecting-your-downside-in-investing\\\/#listItem\",\"name\":\"Protecting Your Downside in Investing\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/#listItem\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/protecting-your-downside-in-investing\\\/#listItem\",\"position\":3,\"name\":\"Protecting Your Downside in Investing\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/category\\\/investing\\\/#listItem\",\"name\":\"Investing\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/#organization\",\"name\":\"BearSavings\",\"description\":\"Sharing Money Saving Tips, Budgeting, Making Money, Investing\",\"url\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/\",\"email\":\"da@bearsavings.com\",\"foundingDate\":\"2024-07-24\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/teddy-bear.png\",\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/protecting-your-downside-in-investing\\\/#organizationLogo\",\"width\":512,\"height\":512},\"image\":{\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/protecting-your-downside-in-investing\\\/#organizationLogo\"},\"sameAs\":[\"https:\\\/\\\/www.pinterest.com\\\/bear_savings\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/author\\\/derek\\\/#author\",\"url\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/author\\\/derek\\\/\",\"name\":\"DA\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/protecting-your-downside-in-investing\\\/#authorImage\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/2d045e884304cea81e1c1fbbeb987d40d9774697b0085780ff342454e67bd155?s=96&d=mm&r=g\",\"width\":96,\"height\":96,\"caption\":\"DA\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/protecting-your-downside-in-investing\\\/#webpage\",\"url\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/protecting-your-downside-in-investing\\\/\",\"name\":\"Protecting Your Downside in Investing\",\"description\":\"Learn how protecting your downside in investing helps safeguard your portfolio. Discover practical strategies to manage risk, limit losses, and invest smarter.\",\"inLanguage\":\"en-US\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/protecting-your-downside-in-investing\\\/#breadcrumblist\"},\"author\":{\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/author\\\/derek\\\/#author\"},\"creator\":{\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/author\\\/derek\\\/#author\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/protecting-your-investment-downsides.png\",\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/protecting-your-downside-in-investing\\\/#mainImage\",\"width\":1536,\"height\":1024,\"caption\":\"protecting your investment downsides\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/protecting-your-downside-in-investing\\\/#mainImage\"},\"datePublished\":\"2025-09-11T07:21:35+00:00\",\"dateModified\":\"2025-09-11T07:22:31+00:00\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/\",\"name\":\"BearSavings\",\"description\":\"Sharing Money Saving Tips, Budgeting, Making Money, Investing\",\"inLanguage\":\"en-US\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/#organization\"}}]}\n\t\t<\/script>\n\t\t<!-- All in One SEO -->\n\n","aioseo_head_json":{"title":"Protecting Your Downside in Investing","description":"Learn how protecting your downside in investing helps safeguard your portfolio. Discover practical strategies to manage risk, limit losses, and invest smarter.","canonical_url":"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/","robots":"max-image-preview:large","keywords":"","webmasterTools":{"miscellaneous":""},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BlogPosting","@id":"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#blogposting","name":"Protecting Your Downside in Investing","headline":"Protecting Your Downside in Investing","author":{"@id":"https:\/\/www.bearsavings.com\/blog\/author\/derek\/#author"},"publisher":{"@id":"https:\/\/www.bearsavings.com\/blog\/#organization"},"image":{"@type":"ImageObject","url":"https:\/\/www.bearsavings.com\/blog\/wp-content\/uploads\/2025\/09\/protecting-your-investment-downsides.png","width":1536,"height":1024,"caption":"protecting your investment downsides"},"datePublished":"2025-09-11T07:21:35+00:00","dateModified":"2025-09-11T07:22:31+00:00","inLanguage":"en-US","mainEntityOfPage":{"@id":"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#webpage"},"isPartOf":{"@id":"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#webpage"},"articleSection":"Investing"},{"@type":"BreadcrumbList","@id":"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#breadcrumblist","itemListElement":[{"@type":"ListItem","@id":"https:\/\/www.bearsavings.com\/blog\/#listItem","position":1,"name":"Home","item":"https:\/\/www.bearsavings.com\/blog\/","nextItem":{"@type":"ListItem","@id":"https:\/\/www.bearsavings.com\/blog\/category\/investing\/#listItem","name":"Investing"}},{"@type":"ListItem","@id":"https:\/\/www.bearsavings.com\/blog\/category\/investing\/#listItem","position":2,"name":"Investing","item":"https:\/\/www.bearsavings.com\/blog\/category\/investing\/","nextItem":{"@type":"ListItem","@id":"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#listItem","name":"Protecting Your Downside in Investing"},"previousItem":{"@type":"ListItem","@id":"https:\/\/www.bearsavings.com\/blog\/#listItem","name":"Home"}},{"@type":"ListItem","@id":"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#listItem","position":3,"name":"Protecting Your Downside in Investing","previousItem":{"@type":"ListItem","@id":"https:\/\/www.bearsavings.com\/blog\/category\/investing\/#listItem","name":"Investing"}}]},{"@type":"Organization","@id":"https:\/\/www.bearsavings.com\/blog\/#organization","name":"BearSavings","description":"Sharing Money Saving Tips, Budgeting, Making Money, Investing","url":"https:\/\/www.bearsavings.com\/blog\/","email":"da@bearsavings.com","foundingDate":"2024-07-24","logo":{"@type":"ImageObject","url":"https:\/\/www.bearsavings.com\/blog\/wp-content\/uploads\/2024\/08\/teddy-bear.png","@id":"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#organizationLogo","width":512,"height":512},"image":{"@id":"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#organizationLogo"},"sameAs":["https:\/\/www.pinterest.com\/bear_savings\/"]},{"@type":"Person","@id":"https:\/\/www.bearsavings.com\/blog\/author\/derek\/#author","url":"https:\/\/www.bearsavings.com\/blog\/author\/derek\/","name":"DA","image":{"@type":"ImageObject","@id":"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#authorImage","url":"https:\/\/secure.gravatar.com\/avatar\/2d045e884304cea81e1c1fbbeb987d40d9774697b0085780ff342454e67bd155?s=96&d=mm&r=g","width":96,"height":96,"caption":"DA"}},{"@type":"WebPage","@id":"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#webpage","url":"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/","name":"Protecting Your Downside in Investing","description":"Learn how protecting your downside in investing helps safeguard your portfolio. Discover practical strategies to manage risk, limit losses, and invest smarter.","inLanguage":"en-US","isPartOf":{"@id":"https:\/\/www.bearsavings.com\/blog\/#website"},"breadcrumb":{"@id":"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#breadcrumblist"},"author":{"@id":"https:\/\/www.bearsavings.com\/blog\/author\/derek\/#author"},"creator":{"@id":"https:\/\/www.bearsavings.com\/blog\/author\/derek\/#author"},"image":{"@type":"ImageObject","url":"https:\/\/www.bearsavings.com\/blog\/wp-content\/uploads\/2025\/09\/protecting-your-investment-downsides.png","@id":"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#mainImage","width":1536,"height":1024,"caption":"protecting your investment downsides"},"primaryImageOfPage":{"@id":"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/#mainImage"},"datePublished":"2025-09-11T07:21:35+00:00","dateModified":"2025-09-11T07:22:31+00:00"},{"@type":"WebSite","@id":"https:\/\/www.bearsavings.com\/blog\/#website","url":"https:\/\/www.bearsavings.com\/blog\/","name":"BearSavings","description":"Sharing Money Saving Tips, Budgeting, Making Money, Investing","inLanguage":"en-US","publisher":{"@id":"https:\/\/www.bearsavings.com\/blog\/#organization"}}]},"og:locale":"en_US","og:site_name":"BearSavings - Sharing Money Saving Tips, Budgeting, Making Money, Investing","og:type":"article","og:title":"Protecting Your Downside in Investing","og:description":"Learn how protecting your downside in investing helps safeguard your portfolio. Discover practical strategies to manage risk, limit losses, and invest smarter.","og:url":"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/","og:image":"https:\/\/www.bearsavings.com\/blog\/wp-content\/uploads\/2025\/09\/protecting-your-investment-downsides.png","og:image:secure_url":"https:\/\/www.bearsavings.com\/blog\/wp-content\/uploads\/2025\/09\/protecting-your-investment-downsides.png","og:image:width":1536,"og:image:height":1024,"article:published_time":"2025-09-11T07:21:35+00:00","article:modified_time":"2025-09-11T07:22:31+00:00","twitter:card":"summary_large_image","twitter:title":"Protecting Your Downside in Investing","twitter:description":"Learn how protecting your downside in investing helps safeguard your portfolio. Discover practical strategies to manage risk, limit losses, and invest smarter.","twitter:image":"https:\/\/www.bearsavings.com\/blog\/wp-content\/uploads\/2025\/09\/protecting-your-investment-downsides.png"},"aioseo_meta_data":{"post_id":"1689","title":"#post_title","description":"Learn how protecting your downside in investing helps safeguard your portfolio. Discover practical strategies to manage risk, limit losses, and invest smarter.","keywords":null,"keyphrases":{"focus":{"keyphrase":"protecting your downside in investing","score":69},"additional":[]},"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":"","og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"BlogPosting","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"breadcrumb_settings":null,"limit_modified_date":false,"ai":{"faqs":[],"keyPoints":[],"titles":[],"descriptions":[],"socialPosts":{"email":[],"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2025-09-11 07:21:36","updated":"2026-09-10 03:10:04","seo_analyzer_scan_date":null,"focus_keyword":"protecting your downside in investing","additional_keywords":null,"truseo_locale":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.bearsavings.com\/blog\/\" title=\"Home\">Home<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.bearsavings.com\/blog\/category\/investing\/\" title=\"Investing\">Investing<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\tProtecting Your Downside in Investing\n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/www.bearsavings.com\/blog\/"},{"label":"Investing","link":"https:\/\/www.bearsavings.com\/blog\/category\/investing\/"},{"label":"Protecting Your Downside in Investing","link":"https:\/\/www.bearsavings.com\/blog\/protecting-your-downside-in-investing\/"}],"featured_image_src":"https:\/\/www.bearsavings.com\/blog\/wp-content\/uploads\/2025\/09\/protecting-your-investment-downsides.png","author_info":{"display_name":"DA","author_link":"https:\/\/www.bearsavings.com\/blog\/author\/derek\/"},"_links":{"self":[{"href":"https:\/\/www.bearsavings.com\/blog\/wp-json\/wp\/v2\/posts\/1689","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bearsavings.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bearsavings.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bearsavings.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bearsavings.com\/blog\/wp-json\/wp\/v2\/comments?post=1689"}],"version-history":[{"count":2,"href":"https:\/\/www.bearsavings.com\/blog\/wp-json\/wp\/v2\/posts\/1689\/revisions"}],"predecessor-version":[{"id":1692,"href":"https:\/\/www.bearsavings.com\/blog\/wp-json\/wp\/v2\/posts\/1689\/revisions\/1692"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bearsavings.com\/blog\/wp-json\/wp\/v2\/media\/1690"}],"wp:attachment":[{"href":"https:\/\/www.bearsavings.com\/blog\/wp-json\/wp\/v2\/media?parent=1689"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bearsavings.com\/blog\/wp-json\/wp\/v2\/categories?post=1689"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bearsavings.com\/blog\/wp-json\/wp\/v2\/tags?post=1689"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}