By Doug Whiteman,

The Standard & Poor’s 500 index soared 32.4% in 2013 and jumped another 13.7% last year, but stocks have been struggling to gain momentum so far in 2015. As part of our third-quarter 2015 Bankrate Market Mavens survey of leading financial market analysts, we asked: What is the probability that stocks will move into a bear market in the next 12 months?

 “70-75%. Highly likely. The U.S. market has rallied a lot over the past few years, and we see the chances of a significant correction. Expect the S&P 500 to decline over the next one to two years.” — Jim Osman, founder and CEO, The Edge Consulting Group

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