Holding cash in case a bear market hits? Here's where and when to invest if stocks plunge.

FILE - In this May 26, 2020, file photo, a grizzly bear roams an exhibit at the Woodland Park Zoo, closed for nearly three months because of the coronavirus outbreak in Seattle. Grizzly bears once roamed the rugged landscape of the North Cascades in Washington state but few have been sighted in recent decades. The federal government is scrapping plans to reintroduce grizzly bears to the North Cascades ecosystem. (AP Photo/Elaine Thompson, File)

Associated Press

• Deploying cash during a bear market can be difficult as fear sets in.