How Market Cycles Can Impact Retirement Markets go up. Markets go down. But no one can predict when, how, why, or for how long. Ups and downs are par for the investing course, but market cycles can have a greater impact on those nearing or in retirement than those in...

For a Moderate portfolio (60% stock/40% bond allocation) and an Aggressive portfolio (80% stock/20% bond allocation), the probability of a loss over 5-year rolling periods was 0% (same for the Conservative portfolio with a 30% stock/70% bond allocation). There was an...

SDSU WINS BOWL The S&P 500 finished 2021 up 28.71%, while international equities lagged, up 8.78% Large growth outperformed large value with returns of 27.60% and 25.16%, respectively. Small-cap value exceeded small-cap growth with returns of 28.27% and 2.83%,...

GO AZTECS! The S&P 500 and Nasdaq indexes fell 4.69% and 5.69% respectively in September. YTD, the indexes are up 16.97% and 14.48% respectively. International equities, as measured by the MSCI EAFE, fell 3.19% in September. YTD, the index is up 6.23%. American...

Q1 CLOSES HIGH The S&P 500 was up 6.17% 1st quarter of 2021. The Wilshire 5000, an index that tracks all actively traded US stocks, was up 2.54%. The Russell 2000 Value Index returned 21.17% outperforming the Russell 2000 Growth Index at 4.88%. 1st quarter of...

Q4 FINISHES AHEAD The S&P 500 and Nasdaq finished the quarter up 12.15% and 15.63%, respectively. For the year, the S&P gained 18.4%. Nasdaq was up 44.92% Growth outpaced Value for the year with gains of 38.5% and 2.8%, respectively. Since the market low in...

U.S SNAPSHOT The Fed lowered interest rates twice in March due to the coronavirus economic impact. Unemployment claims jumped to 21.7 million in four weeks. CARES Act passed, a $2 trillion stimulus package to help individuals and businesses. Bonds up 3.15% in Q1. S&P...

SCORECARD Bonds stellar, up 2.27% in Q3 and 8.52% YTD. S&P 500 cooled, only up 1.7% this quarter, after highs of near 20% for the first three quarters. Domestic stocks beat international. Large cap dominates small cap, but September saw small company stocks score...

Q1 ROARS BACK The last three months saw the market bounce up to a series of bests in the first quarter of 2019 from a series of worsts in Q4 of 2018. The market rebound in Q1 appears to be due to positive investor sentiment on lowered interest rates and not on...