Here's what you need to know on how to survive the potential bear market today. I’ll never forget this chat. It was March 2020, just before Singapore’s Circuit Breaker lockdown. I was sitting across from my good friend, John (not his real name) at Starbucks, tucked away at the corner seat by the window, overlooking Suntec City’s Fountain of Wealth. The world felt tense. The air was a mix of roasted coffee beans, fear and a tinge of adventure. I said to John: “Look, it’s not interest rates that kills you, it’s the margin calls.” John wanted to invest on margin with the current panic selling. This means borrowing money from stock brokers to buy stocks. I advised against it. Why? The reality with excessive leverage is this: It’s not the thousand little cuts that kill us. It’s the sudden, violent punches of the stock market that will wipe us out. I’d avoid excessive leverage....