2022 4th Quarter Review

SUPERBOWL LVII The S&P 500 Index fell 18.1% and the US Aggregate Bond Index dropped 13% in 2022. Developed International and emerging markets declined by double digits in 2022. The Fed raised the federal funds rate seven times in 2022. Once by .25%, twice by .50%...

2022 3rd Quarter Review

GREAT SEASON PADRES! The S&P 500 and US Aggregate Bond Indexes fell nearly 5% each in the third quarter. YTD, the indexes are down 24% and 15% respectively. The Fed raised the federal funds rate by 0.75%, bringing it to a range of 3%-3.25%. The consumer-price...

2022 2nd Quarter Review

ALL STARS UNVEILED The S&P 500 fell over 16% in Q2. For the first 6-months of 2022 the index is down 20%. International equities, as measured by the MSCI EAFE, fell 15.4% in Q2 and 20.3% in the first half of 2022. Bonds dropped 4.7% in Q2 and over 10% for Q1 &...

How Market Cycles Can Impact Retirement

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...

2022 1st Quarter Review

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...

2020 First Quarter Review

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...

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2019 Third Quarter Review

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...

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2019 First Quarter Review

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...

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2019 Fourth Quarter Review

SCORECARD Fed lowered rates 3 times in 2019. Inflation remains low. Bonds: The U.S. 10-year Treasury yield fell from 2.7% to 1.8% over the course of the year, and the Barclays U.S. Aggregate has returned over 8% year-to-date. Although at a lackluster 2.3%, the 30-year...

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2021 2nd Quarter Review

Q2 HEAT WAVE The S&P 500 was up 8.55% in Q2 and 15.25% since January 1st. The tech-heavy Nasdaq 100 was up 11.38% in Q2 and 13.34% since January 1st. The MSCI EAFE (international index) was up 4.37% for Q2 and 7.33% YTD. Earnings for companies within the S&P...

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2020 Q 2 Review

SNAPSHOT S&P 500 up 20.5% in Q2. The index is now down just 3.1% for the first half of the year. All major domestic stock indices experienced double-digit growth in Q2, whether they be large, mid, small, value, blend or growth. 10 of 11 sectors in the S&P 500...

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2020 Third Quarter Review

Q3 AND PADRES HAD A GREAT SEASON The FANGs have driven up the technology dominated Nasdaq 24% YTD. The Fed will now allow inflation to run above 2% to adjust for previous periods of low inflation. The 7.9% unemployment figure is down significantly since the near 15%...

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