If your personal portfolio is in a bear market (defined as a 20% decline from peak levels) right now, do know that you're not ...

That isn't to say that I'm thrilled to see that my portfolio is down. But because I don't plan to pull any of that money out for many years, there's no reason for me to make drastic changes.

I'm not making any drastic moves in my retirement portfolio, and you may want to take a similar approach. I know a lot of people who aren't exactly thrilled with the way the stock market has been ...