The Uncommon Average

The US stock market has delivered an average annual return of around 10% since 1926.[1] But short-term results may vary, and in any given period stock returns can be positive, negative, or flat. When setting expectations, it’s helpful to see the range of outcomes experienced by investors historically. For example, how often have the stock market’s annual returns actually aligned with its long-term average? Exhibit 1 shows calendar year returns for the S&P 500 Index [...]

May 14th, 2019|

Understanding how mutual funds work could save you a ton of money in the long run!

Investors should get to know the 18.7 Trillion Dollar industry of mutual funds! Check out this video and get the basics on mutual funds!

May 6th, 2019|

April Performance Dashboard

U.S. equities gained steam in April, powered by positive earnings, potential progress in U.S./China trade talks, and recent dovish sentiment from the Fed. The S&P 500®, the S&P MidCap 400® and S&P SmallCap 600® all gained 4%, and the VIX® declined to 13.12. All U.S. equity factors rose in April, with High Beta and Enhanced Value taking the lead.  Across sectors, Financials and Communication Services were the top performers, up 9% and 7%, respectively, while [...]

May 2nd, 2019|

The Index Bogeyman

Over the last several years, index funds have received increased attention from investors and the financial media. Some have even made claims that the increased usage of index funds may be distorting market prices. For many, this argument hinges on the premise that indexing reduces the efficacy of price discovery. If index funds are becoming increasingly popular and investors are “blindly” buying an index’s underlying holdings, sufficient price discovery may not be happening in the [...]

April 17th, 2019|


Click on the link below for a detailed analysis of quarterly performance of the global equity and fixed income markets. CLICK HERE TO READ THE 1ST QUARTER 2019- QUARTERLY MARKET REVIEW

April 10th, 2019|

Mutual Funds vs. ETF’s

Our partners at Charles Schwab produced this short video to help explain the difference between Exchange Traded Funds (ETF’s) and Mutual Funds.    It's common amongst investors to have little understanding of the difference between the two. There are times when it makes sense to choose one over the other. Timing, taxes and expenses are all factors. Schwab now has over 2000 ETF’s and Mutual Funds that can be purchased with no commission or transaction [...]

March 20th, 2019|