With the Nasdaq Composite in bear market territory (marked by the index falling more than 20% from its all-time high), there is some panic in the market. Investors are worried about the effect of tariffs on the consumer and would rather be in more conservative investments than artificial intelligence (AI) stocks, which have more upside but with more risk. Anyone selling right now has a one-year time frame in mind, rather than the three- to five-year time frame that individual investors should have.