Article: Money: For most of us, bear markets have to be endured if the fruits of the bull market beyond are to be enjoyed. In other words, no pain, no gain

We all know - or should do by now - that we are living through one of the great bull markets of this century. But how abnormal is it, and what are the implications for investors?

One man who has dared to try and put the current bull market in its long- term global context is Dr Sandy Nairn, who runs the Edinburgh office of the Templeton fund management group. By analysing the performance of the Morgan Stanley world stock market index from 1954 until the present, he has produced some fascinating new data about the length and magnitude of market cycles in the post-war period.

His definition of a bear market is one in which the market indices fall by 15 per cent or more, measured from peak to ...

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