Plain English
A bull market is a sustained price uptrend — usually 6+ months of higher highs and higher lows. A bear market is a sustained downtrend — 20%+ from peak, holding below for months. In crypto, cycles tend to be sharper and faster than equity markets, but the structure is similar.
How it actually works
Crypto cycles have historically aligned with Bitcoin halvings every ~4 years: a rally year, a peak, a sharp correction, a long accumulation phase, then the next rally. This pattern is not a law of nature — but the rhythm is clear enough that institutional allocators now plan around it.
What it means for you
Knowing what regime you are in changes the strategy. Bull markets reward exposure and tolerance for volatility; bear markets reward cash flow, hedging, and patience. The most common HNW mistake is buying aggressively at the top (FOMO) and selling at the bottom (capitulation). A pre-written allocation plan with rebalancing rules removes most of the damage.
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Educational content only. Not investment, tax, or legal advice.