{"id":1914,"date":"2026-05-07T07:01:51","date_gmt":"2026-05-07T07:01:51","guid":{"rendered":"https:\/\/www.bearsavings.com\/blog\/?p=1914"},"modified":"2026-05-07T07:01:53","modified_gmt":"2026-05-07T07:01:53","slug":"why-staying-invested-is-less-risky-than-not-investing","status":"publish","type":"post","link":"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/","title":{"rendered":"Why Staying Invested Is Less Risky Than Not Investing"},"content":{"rendered":"<div style=\"margin-top: 0px; margin-bottom: 0px;\" class=\"sharethis-inline-share-buttons\" ><\/div>\n<p class=\"wp-block-paragraph\">Most investors are terrified of losing money in the market. What they should fear most is not being in the market.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019ve ever withdrawn your investments during a downturn, saved cash \u201cuntil the dust settles\u201d, or procrastinated on starting to invest\u2026 read on.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There\u2019s a piece of wisdom that all successful investors know that seems to go against logic:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Remaining invested through market ups and downs is virtually ALWAYS better than losing investment opportunities by NOT investing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We\u2019ll show you exactly why with some charts.<\/p>\n\n\n<div style=\"max-width: -moz-fit-content\" class=\"wp-block-ub-table-of-contents-block ub_table-of-contents ub_table-of-contents-collapsed\" id=\"ub_table-of-contents-9d778706-65e7-460c-9315-e1c6e2a7d81c\" data-linktodivider=\"false\" data-showtext=\"show\" data-hidetext=\"hide\" data-scrolltype=\"auto\" data-enablesmoothscroll=\"false\" data-initiallyhideonmobile=\"false\" data-initiallyshow=\"false\"><div class=\"ub_table-of-contents-header-container\" style=\"\">\n\t\t\t<div class=\"ub_table-of-contents-header\" style=\"text-align: left; \">\n\t\t\t\t<div class=\"ub_table-of-contents-title\" style=\"\"><strong>Table of Contents<\/strong><\/div>\n\t\t\t\t<div class=\"ub_table-of-contents-header-toggle\">\n\t\t\t<div class=\"ub_table-of-contents-toggle\" style=\"\">\n\t\t\t\u00a0[<a class=\"ub_table-of-contents-toggle-link\" href=\"#\" style=\"\">show<\/a>]\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><div class=\"ub_table-of-contents-extra-container\" style=\"\">\n\t\t\t<div class=\"ub_table-of-contents-container ub_table-of-contents-1-column ub-hide\">\n\t\t\t\t<ul style=\"\"><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/#0-the-hidden-cost-of-playing-it-safe\" style=\"\">The Hidden Cost of &#8220;Playing It Safe&#8221;<\/a><\/li><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/#1-the-all-important-rule-dont-miss-the-best-days\" style=\"\">The All-Important Rule: Don&#8217;t Miss the Best Days<\/a><ul><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/#2-hypothetical-scenario-100000-invested-over-20-years\" style=\"\">Hypothetical Scenario: $100,000 Invested Over 20 Years<\/a><\/li><\/ul><\/li><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/#3-a-tale-of-two-investors\" style=\"\">A Tale of Two Investors<\/a><ul><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/#4-hypothetical-outcome-at-age-60\" style=\"\">Hypothetical Outcome at Age 60<\/a><\/li><\/ul><\/li><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/#5-what-about-market-crashes-doesnt-timing-help-then\" style=\"\">What About Market Crashes? Doesn&#8217;t Timing Help Then?<\/a><ul><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/#6-hypothetical-the-2020-covid-crash\" style=\"\">Hypothetical: The 2020 COVID Crash<\/a><\/li><\/ul><\/li><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/#7-time-in-the-market-vs-timing-the-market\" style=\"\">Time in the Market vs. Timing the Market<\/a><ul><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/#8-the-power-of-starting-early\" style=\"\">The Power of Starting Early<\/a><\/li><\/ul><\/li><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/#9-but-what-about-volatility-isnt-that-risk\" style=\"\">But What About Volatility? Isn&#8217;t That Risk?<\/a><ul><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/#10-hypothetical-rolling-10-year-returns-on-a-diversified-index\" style=\"\">Hypothetical Rolling 10-Year Returns on a Diversified Index<\/a><\/li><\/ul><\/li><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/#11-the-psychological-trap-loss-aversion\" style=\"\">The Psychological Trap: Loss Aversion<\/a><\/li><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/#12-practical-strategies-to-stay-invested-through-turbulence\" style=\"\">Practical Strategies to Stay Invested Through Turbulence<\/a><ul><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/#13-summary-the-real-risk-scorecard\" style=\"\">Summary: The Real Risk Scorecard<\/a><\/li><\/ul><\/li><\/ul>\n\t\t\t<\/div>\n\t\t<\/div><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"0-the-hidden-cost-of-playing-it-safe\">The Hidden Cost of &#8220;Playing It Safe&#8221;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ask anyone what they think about when they hear the word \u201cinvestment risk\u201d and they\u2019ll likely envision red on their charts and a smaller portfolio balance come morning.\u00a0Ouch.\u00a0That hurts.\u00a0However, there\u2019s another type of risk that doesn\u2019t get enough attention.\u00a0The pain of missed opportunity.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Simply, it\u2019s called opportunity cost.\u00a0The returns you miss out on by not being invested.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"1-the-all-important-rule-dont-miss-the-best-days\">The All-Important Rule: Don&#8217;t Miss the Best Days<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There\u2019s one thing the past several decades of market data have taught us time and time again.&nbsp;It\u2019s not fun to think about:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cIf you miss the best days in the market, you lose most of the gains.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sharpe describes returns by calculating the \u2018best\u2019 days over several rolling periods.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-hypothetical-scenario-100000-invested-over-20-years\">Hypothetical Scenario: $100,000 Invested Over 20 Years<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Assuming the market returns 10% per year on average (very close to the long-term average for the S&amp;P 500), and \u201cbest days\u201d are defined as referenced in numerous academic studies.<\/em><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Strategy<\/th><th>Ending Portfolio Value<\/th><th>Total Gain\/Loss<\/th><\/tr><\/thead><tbody><tr><td>Stayed fully invested<\/td><td><strong>$672,750<\/strong><\/td><td>+$572,750<\/td><\/tr><tr><td>Missed the 10 best days<\/td><td><strong>$308,645<\/strong><\/td><td>+$208,645<\/td><\/tr><tr><td>Missed the 20 best days<\/td><td><strong>$193,481<\/strong><\/td><td>+$93,481<\/td><\/tr><tr><td>Missed the 30 best days<\/td><td><strong>$127,503<\/strong><\/td><td>+$27,503<\/td><\/tr><tr><td>Held cash (2% savings rate)<\/td><td><strong>$148,594<\/strong><\/td><td>+$48,594<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Missing just 10 of the best trading days over 20 years cuts your ending wealth roughly in half.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The cruel irony is that the best days for the market are usually right after the worst ones. Investors who sell after panicking during a crash often miss the rapid rebound &#8211; forfeiting their chance at a recovery.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"3-a-tale-of-two-investors\">A Tale of Two Investors<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sarah and Michael are both 35 years old and have $50,000 to invest. Nearly everything about them is the same, except for how they approach investing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Sarah: The Stay-Invested Investor<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sarah invests her $50,000 in a diversified index fund. She then invests consistently for 25 years without ever selling, even during downturns. She contributes $500 a month. She experiences three recessions, a global pandemic, and dozens of market corrections \u2014 but she holds steady and never sells.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Michael: The Market Timer<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Michael invests his initial $50,000. He also contributes $500 per month, just like Sarah. But Michael gets nervous. During every major downturn, he hides his money in cash and misses an average of 15 of the best trading days of each major cycle. Michael misses out on the market for about 18 months out of the 25-year period.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-hypothetical-outcome-at-age-60\">Hypothetical Outcome at Age 60<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Assumes 9.5% average annual return for Sarah; Michael&#8217;s effective return drops to approximately 6.8% after missed days and transaction costs.<\/em><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><\/th><th>Sarah (Stay Invested)<\/th><th>Michael (Market Timer)<\/th><\/tr><\/thead><tbody><tr><td>Starting capital<\/td><td>$50,000<\/td><td>$50,000<\/td><\/tr><tr><td>Monthly contributions<\/td><td>$500<\/td><td>$500<\/td><\/tr><tr><td>Effective annual return<\/td><td>~9.5%<\/td><td>~6.8%<\/td><\/tr><tr><td><strong>Portfolio at 60<\/strong><\/td><td><strong>$821,000<\/strong><\/td><td><strong>$487,000<\/strong><\/td><\/tr><tr><td><strong>Difference<\/strong><\/td><td>\u2014<\/td><td><strong>\u2013$334,000<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Michael&#8217;s anxiety cost him over <strong>$334,000<\/strong> \u2014 not from bad stock picks, not from fees, but purely from trying to avoid short-term pain.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"5-what-about-market-crashes-doesnt-timing-help-then\">What About Market Crashes? Doesn&#8217;t Timing Help Then?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Good point. I guess if you can time getting out before a crash, you\u2019re saving money, right?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The issue is predicting before. In reality, there is no one\u2014no fund manager, no Nobel Prize-winning economist, no rocket scientist algorithm\u2014that has successfully and reliably forecast market tops and bottoms over time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"6-hypothetical-the-2020-covid-crash\">Hypothetical: The 2020 COVID Crash<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Say you have two investors. Both have $200,000 to invest as of February 2020.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Investor A <\/strong>panics when markets plummet 30% and shifts to cash at the bottom in late March 2020. They sit on the sidelines until \u201cthings make sense again\u201d and invest in September 2020.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Investor B <\/strong>remains fully invested the entire time.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><\/th><th>Investor A<\/th><th>Investor B<\/th><\/tr><\/thead><tbody><tr><td>Portfolio (Jan 2020)<\/td><td>$200,000<\/td><td>$200,000<\/td><\/tr><tr><td>Portfolio (March 2020 low)<\/td><td>~$140,000 \u2192 moves to cash<\/td><td>~$140,000 (on paper)<\/td><\/tr><tr><td>Misses April\u2013August recovery<\/td><td>$140,000 (in cash)<\/td><td>Recovers to ~$215,000<\/td><\/tr><tr><td>Re-enters September 2020<\/td><td>Buys back in<\/td><td>Still invested<\/td><\/tr><tr><td>Portfolio (Dec 2021)<\/td><td>~$198,000<\/td><td>~$290,000<\/td><\/tr><tr><td><strong>Difference<\/strong><\/td><td>\u2014<\/td><td><strong>+$92,000<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em><strong>Investor A<\/strong> felt like they were being prudent. In reality, they crystallised their losses and missed one of the fastest market recoveries in history.<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"7-time-in-the-market-vs-timing-the-market\">Time in the Market vs. Timing the Market<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This quote is arguably recited more than any other personal finance mantra. There is a reason for that. It simply states a mathematical truth: <strong>Compound interest rewards patience, not precision.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"8-the-power-of-starting-early\">The Power of Starting Early<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#8217;s say we have three investors who all invest $10,000 one time and never invest another penny\u2026<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Investor<\/th><th>Starts Investing<\/th><th>Annual Return<\/th><th>Value at 65<\/th><\/tr><\/thead><tbody><tr><td>Emma<\/td><td>Age 25<\/td><td>8%<\/td><td><strong>$217,245<\/strong><\/td><\/tr><tr><td>Liam<\/td><td>Age 35<\/td><td>8%<\/td><td><strong>$100,627<\/strong><\/td><\/tr><tr><td>Priya<\/td><td>Age 45<\/td><td>8%<\/td><td><strong>$46,610<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Priya waited 20 years. Her delay didn&#8217;t cost her $10k\u2026 it cost her $170,635. She was playing it &#8220;safe&#8221; by sitting in cash for 20 years, but that safety had a huge hidden cost.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"9-but-what-about-volatility-isnt-that-risk\">But What About Volatility? Isn&#8217;t That Risk?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes \u2013 volatility definitely exists in the short-term. But long-term investors know volatility isn\u2019t the same thing as permanent loss. Your portfolio only loses 25% of its value \u201cforever\u201d if you sell after taking a 25% paper loss.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"10-hypothetical-rolling-10-year-returns-on-a-diversified-index\">Hypothetical Rolling 10-Year Returns on a Diversified Index<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sourced from simulated rolling periods matching the S&amp;P 500\u2019s historical performance:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>10-Year Period<\/th><th>Annualised Return<\/th><\/tr><\/thead><tbody><tr><td>Best 10-year window<\/td><td>+18.9% per year<\/td><\/tr><tr><td>Average 10-year window<\/td><td>+9.6% per year<\/td><\/tr><tr><td>Worst 10-year window<\/td><td>-1.2% per year<\/td><\/tr><tr><td>% of 10-year periods with positive returns<\/td><td>~95%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Even during the worst periods in history, a patient investor with a portfolio diversified across many assets held for 15+ years has virtually never lagged behind where they started. While there is a risk of short-term losses, there is extremely little risk of permanent loss over a long horizon if you are diversified.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"11-the-psychological-trap-loss-aversion\">The Psychological Trap: Loss Aversion<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Studies in behavioural economics have found that humans experience the negative emotion of losing about twice as strongly as we feel the positive emotion of gaining.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This tendency is known as loss aversion, and it can wreak havoc on logical, long-term investing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It explains why we perceive a 10% decline as devastating to our portfolio, even though a 10% gain once felt only like a mild thrill.&nbsp;Our brains are hardwired to focus on avoiding pain \u2014 great for dodging predators, bad for managing your retirement account.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Recognising this cognitive bias is half the battle.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"12-practical-strategies-to-stay-invested-through-turbulence\">Practical Strategies to Stay Invested Through Turbulence<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We know you should stay invested for the long term. But actually doing it when markets plummet is tough. Try these tips backed by research:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Make it automatic. Set up monthly investments so you never have to make the decision to invest. You\u2019ll be one step ahead of your emotions if you never give them the opportunity to take over.<\/li>\n\n\n\n<li>Stop obsessively checking your investments. The more you check, the more you fret and the stronger the urge to do something becomes. If you\u2019re investing for the long term, check quarterly or even monthly.<\/li>\n\n\n\n<li>Stay diversified. The more diversified your portfolio is across asset classes, countries, sectors, the less negative each drawdown will feel. Which makes it easier for you not to react.<\/li>\n\n\n\n<li>Maintain a cash emergency fund. Often investors sell investments when markets are down because they need cash. By keeping 3\u20136 months of expenses in a high-interest savings account, your investments can never be considered your emergency fund.<\/li>\n\n\n\n<li>Remember market volatility is your friend. When markets decline, your automatic investment is purchasing more units at a cheaper price. It\u2019s called dollar-cost averaging and it works in your favour.<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"13-summary-the-real-risk-scorecard\">Summary: The Real Risk Scorecard<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Risk Type<\/th><th>Perceived Risk Level<\/th><th>Actual Long-Term Risk<\/th><\/tr><\/thead><tbody><tr><td>Staying invested through volatility<\/td><td>High<\/td><td>Low (for diversified, long-term investors)<\/td><\/tr><tr><td>Moving to cash during a crash<\/td><td>Low<\/td><td>High (missed recoveries, lost compounding)<\/td><\/tr><tr><td>Delaying investment by 10 years<\/td><td>Low<\/td><td>Very High (significant wealth destruction)<\/td><\/tr><tr><td>Missing the 10 best market days<\/td><td>Unlikely<\/td><td>Halves your ending portfolio value<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The market rewards patience. <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It seldom rewards forecasting. If you are a long-term investor holding diversified assets, the data clearly favors one strategy: remain invested, continue to save, and don&#8217;t let the noise influence you.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Thank yourself in the future!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Most investors are terrified of losing money in the market. What they should fear most is not being&#8230;<\/p>\n","protected":false},"author":1,"featured_media":1915,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[40,1],"tags":[],"class_list":["post-1914","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","category-uncategorized","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=\"Discover why staying invested beats sitting on the sidelines. With hypothetical data and real scenarios, we show the true cost of market timing, missed recovery days, and delayed investing \u2014 and what to do instead.\" \/>\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\/why-staying-invested-is-less-risky-than-not-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=\"Why Staying Invested Is Less Risky Than Not Investing\" \/>\n\t\t<meta property=\"og:description\" content=\"Discover why staying invested beats sitting on the sidelines. With hypothetical data and real scenarios, we show the true cost of market timing, missed recovery days, and delayed investing \u2014 and what to do instead.\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/www.bearsavings.com\/blog\/wp-content\/uploads\/2026\/05\/Why-Staying-Invested-Is-Less-Risky-Than-Not-Investing.jpg\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/www.bearsavings.com\/blog\/wp-content\/uploads\/2026\/05\/Why-Staying-Invested-Is-Less-Risky-Than-Not-Investing.jpg\" \/>\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=\"2026-05-07T07:01:51+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2026-05-07T07:01:53+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"Why Staying Invested Is Less Risky Than Not Investing\" \/>\n\t\t<meta name=\"twitter:description\" content=\"Discover why staying invested beats sitting on the sidelines. With hypothetical data and real scenarios, we show the true cost of market timing, missed recovery days, and delayed investing \u2014 and what to do instead.\" \/>\n\t\t<meta name=\"twitter:image\" content=\"https:\/\/www.bearsavings.com\/blog\/wp-content\/uploads\/2026\/05\/Why-Staying-Invested-Is-Less-Risky-Than-Not-Investing.jpg\" \/>\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\\\/why-staying-invested-is-less-risky-than-not-investing\\\/#blogposting\",\"name\":\"Why Staying Invested Is Less Risky Than Not Investing\",\"headline\":\"Why Staying Invested Is Less Risky Than Not 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\\\/2026\\\/05\\\/Why-Staying-Invested-Is-Less-Risky-Than-Not-Investing.jpg\",\"width\":1536,\"height\":1024,\"caption\":\"Staying invested through market ups and downs is often less risky than sitting on the sidelines long term.\"},\"datePublished\":\"2026-05-07T07:01:51+00:00\",\"dateModified\":\"2026-05-07T07:01:53+00:00\",\"inLanguage\":\"en-US\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/why-staying-invested-is-less-risky-than-not-investing\\\/#webpage\"},\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/why-staying-invested-is-less-risky-than-not-investing\\\/#webpage\"},\"articleSection\":\"Investing, Uncategorized\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/why-staying-invested-is-less-risky-than-not-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\\\/uncategorized\\\/#listItem\",\"name\":\"Uncategorized\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/category\\\/uncategorized\\\/#listItem\",\"position\":2,\"name\":\"Uncategorized\",\"item\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/category\\\/uncategorized\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/why-staying-invested-is-less-risky-than-not-investing\\\/#listItem\",\"name\":\"Why Staying Invested Is Less Risky Than Not Investing\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/#listItem\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/why-staying-invested-is-less-risky-than-not-investing\\\/#listItem\",\"position\":3,\"name\":\"Why Staying Invested Is Less Risky Than Not Investing\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/category\\\/uncategorized\\\/#listItem\",\"name\":\"Uncategorized\"}}]},{\"@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\\\/why-staying-invested-is-less-risky-than-not-investing\\\/#organizationLogo\",\"width\":512,\"height\":512},\"image\":{\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/why-staying-invested-is-less-risky-than-not-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\\\/why-staying-invested-is-less-risky-than-not-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\\\/why-staying-invested-is-less-risky-than-not-investing\\\/#webpage\",\"url\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/why-staying-invested-is-less-risky-than-not-investing\\\/\",\"name\":\"Why Staying Invested Is Less Risky Than Not Investing\",\"description\":\"Discover why staying invested beats sitting on the sidelines. With hypothetical data and real scenarios, we show the true cost of market timing, missed recovery days, and delayed investing \\u2014 and what to do instead.\",\"inLanguage\":\"en-US\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/why-staying-invested-is-less-risky-than-not-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\\\/2026\\\/05\\\/Why-Staying-Invested-Is-Less-Risky-Than-Not-Investing.jpg\",\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/why-staying-invested-is-less-risky-than-not-investing\\\/#mainImage\",\"width\":1536,\"height\":1024,\"caption\":\"Staying invested through market ups and downs is often less risky than sitting on the sidelines long term.\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.bearsavings.com\\\/blog\\\/why-staying-invested-is-less-risky-than-not-investing\\\/#mainImage\"},\"datePublished\":\"2026-05-07T07:01:51+00:00\",\"dateModified\":\"2026-05-07T07:01:53+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":"Why Staying Invested Is Less Risky Than Not Investing","description":"Discover why staying invested beats sitting on the sidelines. With hypothetical data and real scenarios, we show the true cost of market timing, missed recovery days, and delayed investing \u2014 and what to do instead.","canonical_url":"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/","robots":"max-image-preview:large","keywords":"","webmasterTools":{"miscellaneous":""},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BlogPosting","@id":"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/#blogposting","name":"Why Staying Invested Is Less Risky Than Not Investing","headline":"Why Staying Invested Is Less Risky Than Not 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\/2026\/05\/Why-Staying-Invested-Is-Less-Risky-Than-Not-Investing.jpg","width":1536,"height":1024,"caption":"Staying invested through market ups and downs is often less risky than sitting on the sidelines long term."},"datePublished":"2026-05-07T07:01:51+00:00","dateModified":"2026-05-07T07:01:53+00:00","inLanguage":"en-US","mainEntityOfPage":{"@id":"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/#webpage"},"isPartOf":{"@id":"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/#webpage"},"articleSection":"Investing, Uncategorized"},{"@type":"BreadcrumbList","@id":"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-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\/uncategorized\/#listItem","name":"Uncategorized"}},{"@type":"ListItem","@id":"https:\/\/www.bearsavings.com\/blog\/category\/uncategorized\/#listItem","position":2,"name":"Uncategorized","item":"https:\/\/www.bearsavings.com\/blog\/category\/uncategorized\/","nextItem":{"@type":"ListItem","@id":"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/#listItem","name":"Why Staying Invested Is Less Risky Than Not Investing"},"previousItem":{"@type":"ListItem","@id":"https:\/\/www.bearsavings.com\/blog\/#listItem","name":"Home"}},{"@type":"ListItem","@id":"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/#listItem","position":3,"name":"Why Staying Invested Is Less Risky Than Not Investing","previousItem":{"@type":"ListItem","@id":"https:\/\/www.bearsavings.com\/blog\/category\/uncategorized\/#listItem","name":"Uncategorized"}}]},{"@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\/why-staying-invested-is-less-risky-than-not-investing\/#organizationLogo","width":512,"height":512},"image":{"@id":"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-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\/why-staying-invested-is-less-risky-than-not-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\/why-staying-invested-is-less-risky-than-not-investing\/#webpage","url":"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/","name":"Why Staying Invested Is Less Risky Than Not Investing","description":"Discover why staying invested beats sitting on the sidelines. With hypothetical data and real scenarios, we show the true cost of market timing, missed recovery days, and delayed investing \u2014 and what to do instead.","inLanguage":"en-US","isPartOf":{"@id":"https:\/\/www.bearsavings.com\/blog\/#website"},"breadcrumb":{"@id":"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-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\/2026\/05\/Why-Staying-Invested-Is-Less-Risky-Than-Not-Investing.jpg","@id":"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/#mainImage","width":1536,"height":1024,"caption":"Staying invested through market ups and downs is often less risky than sitting on the sidelines long term."},"primaryImageOfPage":{"@id":"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/#mainImage"},"datePublished":"2026-05-07T07:01:51+00:00","dateModified":"2026-05-07T07:01:53+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":"Why Staying Invested Is Less Risky Than Not Investing","og:description":"Discover why staying invested beats sitting on the sidelines. With hypothetical data and real scenarios, we show the true cost of market timing, missed recovery days, and delayed investing \u2014 and what to do instead.","og:url":"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/","og:image":"https:\/\/www.bearsavings.com\/blog\/wp-content\/uploads\/2026\/05\/Why-Staying-Invested-Is-Less-Risky-Than-Not-Investing.jpg","og:image:secure_url":"https:\/\/www.bearsavings.com\/blog\/wp-content\/uploads\/2026\/05\/Why-Staying-Invested-Is-Less-Risky-Than-Not-Investing.jpg","og:image:width":1536,"og:image:height":1024,"article:published_time":"2026-05-07T07:01:51+00:00","article:modified_time":"2026-05-07T07:01:53+00:00","twitter:card":"summary_large_image","twitter:title":"Why Staying Invested Is Less Risky Than Not Investing","twitter:description":"Discover why staying invested beats sitting on the sidelines. With hypothetical data and real scenarios, we show the true cost of market timing, missed recovery days, and delayed investing \u2014 and what to do instead.","twitter:image":"https:\/\/www.bearsavings.com\/blog\/wp-content\/uploads\/2026\/05\/Why-Staying-Invested-Is-Less-Risky-Than-Not-Investing.jpg"},"aioseo_meta_data":{"post_id":"1914","title":"#post_title","description":"Discover why staying invested beats sitting on the sidelines. With hypothetical data and real scenarios, we show the true cost of market timing, missed recovery days, and delayed investing \u2014 and what to do instead.","keywords":null,"keyphrases":{"focus":{"keyphrase":"staying invested vs not investing","score":56},"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":[],"schemas":[],"titles":[],"descriptions":[],"socialPosts":{"email":[],"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2026-05-07 07:01:18","updated":"2026-09-10 03:09:53","seo_analyzer_scan_date":null,"focus_keyword":"staying invested vs not 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\/uncategorized\/\" title=\"Uncategorized\">Uncategorized<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\tWhy Staying Invested Is Less Risky Than Not Investing\n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/www.bearsavings.com\/blog\/"},{"label":"Uncategorized","link":"https:\/\/www.bearsavings.com\/blog\/category\/uncategorized\/"},{"label":"Why Staying Invested Is Less Risky Than Not Investing","link":"https:\/\/www.bearsavings.com\/blog\/why-staying-invested-is-less-risky-than-not-investing\/"}],"featured_image_src":"https:\/\/www.bearsavings.com\/blog\/wp-content\/uploads\/2026\/05\/Why-Staying-Invested-Is-Less-Risky-Than-Not-Investing.jpg","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\/1914","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=1914"}],"version-history":[{"count":1,"href":"https:\/\/www.bearsavings.com\/blog\/wp-json\/wp\/v2\/posts\/1914\/revisions"}],"predecessor-version":[{"id":1916,"href":"https:\/\/www.bearsavings.com\/blog\/wp-json\/wp\/v2\/posts\/1914\/revisions\/1916"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bearsavings.com\/blog\/wp-json\/wp\/v2\/media\/1915"}],"wp:attachment":[{"href":"https:\/\/www.bearsavings.com\/blog\/wp-json\/wp\/v2\/media?parent=1914"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bearsavings.com\/blog\/wp-json\/wp\/v2\/categories?post=1914"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bearsavings.com\/blog\/wp-json\/wp\/v2\/tags?post=1914"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}