After the long-anticipated crash of the record 11-year bull market, a lot of 401(k) investors worried about the hit their stock-fund investments had taken. Others who learned their lessons from the Great Recession of 2008-2009 thought the downturn might be the equivalent of a fire sale.

In the case of federal and postal investors, that meant an opportunity to buy more shares of the stock-indexed C, S and I funds. Turns out they were right — that’s what most of the 45,219 (as of June 30) millionaires did.

So is it happening again?

Arthur S. Stein, a Washington area financial planner, whose client base includes several self-made TSP millionaires, said it would be relatively easy to figure out what ended the bull market, but not so easy figuring out its quick (so far) recovery. He was my guest today on our Your Turn radio show.