For most people, the best answer is to just walk away from the market. It's not a good time for investment. If you're looking for returns on your capital in a bear market, you need to be shorting the market, and you need to be comfortable being a trader vs. being an investor.
A bear market is a great time for accumulation, especially if you believe that the fundamentals are strong, and you can afford to hold for the long term.
Just try to accumulate near
the end of the bear market, not the beginning. People who bought in the $3,000s are a lot happier than people who bought at $10K or $12K.