- There is no such thing as principal( 원금 같은건 없다) I personally experienced three downtrends in 2008, 2011, and 2020. 직접은 2008년, 2011년, 2020년 하락장 3번 겪어봤는데, It is relatively easy to hold out when a bear market falls. Everyone hates to sell at a loss, so they don't sell well. Rather, it is more difficult not to sell and hold on when the principal rises more than the principal after the rebound. 하락장..