Here's how to get back in the stock market if you sold out of fear when it was down

• The S&P 500 index, while down roughly 4% for the year, is up more than 38% from its mid-March level of 2,237.
• You should make sure that when you buy back in, you do so in a way that your entire portfolio reflects your risk tolerance as well as your short- and long-term goals for the money.
• Sitting on all cash comes with some risk because you’d have to earn more than the rate of inflation not to lose buying power.

Reprinted from CNBC. All copyrights are reserved by the original author.