Bear market or bull market? As an investor, it’s important to know and understand these terms so you can make your money work for you. Look no further than this episode of Money on Tap to learn more about the fluctuations of each marketplace. Amateur or pro, you always have something new to learn as an investor!

• Why do Americans fear running out of money more than death? A recent Allianz survey found that 61% of Americans fear running out of money in retirement more than they fear death itself. The shift reflects structural changes: pensions have largely disappeared, 401(k)s placed the risk of retirement success on individuals, life expectancy has stretched, inflation has accelerated, healthcare costs are rising, and Social Security is on track for a benefit cut. The fear is rational — and the planning response is to build a multi-source income plan rather than to hope a portfolio alone is enough.