# Use six-digit framework to handle bull and bear markets 2026-08-08T06:17:49+00:00 | Business & Economy | Indian Opinion Desk Corroboration: 1 independent outlet Livemint.com reports that a structured portfolio strategy, not just a collection of funds, is essential for navigating market swings. The article proposes a six-digit framework, AA, BB, CC, that answers three questions: where to invest, what to do if markets become overly expensive, and what to do if they crash. The first two digits, Asset Allocation, depend on time horizon, risk tolerance, and volatility trade-off. The Bubble Plan (BB) uses earnings, valuations, and sentiment signals to gradually shift assets when risks rise, avoiding prediction. The Crisis Plan (CC) pre-decides how much debt allocation to deploy into equities at specific market declines, turning a dilemma into a decision. ## Coverage - livemint.com Tags: asset allocation, bubble plan, crisis plan, investing, market risk, portfolio strategy Canonical: https://indianopinion.org/use-six-digit-framework-to-handle-bull-and-bear-markets/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/use-six-digit-framework-to-handle-bull-and-bear-markets/#story-in-brief Review state: restored archive article, accurate at time of publication, not offered to search indexes.