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Chart shows the 50% decrease of home sales from August 2020 to August 2022

Housing Slump

Today’s chart comes from data provided by the Department of Housing and Development (HUD) which shows that the rate of new US home sales per month..

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Chart shows the probability curve in relation to investing

7 Investment Concepts

Top 7 Investment Concepts by Samuel A. Kiburz:

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Woman working at a desk

Investing 101: Risk and the Possibility of Loss

In the financial planning world, the concept of risk is often used in conversation. Risk has multiple meanings, but the first definition in the..

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Doodle of 8 young adults in a line

Recession? That’s a word my parents use.

We’ve all seen them. They scream at us. We’re just minding our own business admiring cute cat videos as we scroll and they ruin it. Those..

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Older couple holding hands and walking along the beach

Seven Steps to Manage Your Retirement

You made it to retirement! Now what? How do you plan to pay all the expenses you’ll have for the rest of your life? This can be a daunting task. Many..

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Chart shows the money flows into ESG = Environmental, Social, and Governance ETFs since they appeared in 2015.

The Shying Away from ESG

Today's chart is from Bloomberg Intelligence, which shows the money flows into ESG (Environmental, Social, and Governance) ETFs since they appeared..

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Chart shows the performance between hedge funds and the S&P 500 from 2014 - 2021.

No More Heydays for Hedge Funds

People may ask, “Why not use hedge funds?” Today's chart comes from Bloomberg and shows us the reason why. In addition to their typical expense ratio..

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chart shows the average return for 20-years ending in 2015

S&P 500 vs. Average Investor

Today's chart comes from OneDigital and shows that the average return for 20-years ending in 2015 was 8.2% for the S&P 500, while the average..

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Chart shows the real returns of stocks, bonds, bills, gold, and cash from 1802 - 2013

Total Return Since 1802

The following chart from Brian Ferdoldi shows the ultra long-term history of real returns from various asset classes dating back to 1802. Real..

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Chart shows the consistent upward growth of the S&P 500 since 1950.

Hard to Hurt Earnings

Today's chart comes from LPL Research and shows the growth of company earnings since 1950. When you buy a stock fund you are purchasing the steam of..

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Chart shows a blue line indicating the rise and fall of housing prices from 1999 - 2022.

Record Real Estate Prices

Today's Chart of the Day is a Bloomberg chart of the U.S. Median Existing Home Price provided by the National Association of Realtors going all the..

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Chart shows rolling returns of S & P 500 from 1926 to 2021. Each period of time is represented by a different color. 3 = blue, 10 = pink, 20 = red, 30 = green.

Rolling, Rolling, Rolling

Today's chart is from Ben Carlson’s “A Wealth of Common Sense” which shows the S&P 500’s rolling returns for 3, 10, 20, and 30 year periods going all..

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the chart shows that the best and worst trading days are often very close

Best and Worst Days are Close

Today’s Chart of the Day comes again from Vanguard. The best and worst trading days are often very close. Usually, when there is a large swing one..

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from 1928 through 2021, there were more than 23,300 trading days in the U.S. stock market. Out of those, the 30 best trading days accounted for almost half of the market’s return.

30 Days Equal Half The Return

Today’s chart comes from Vanguard. They wrote a great short article on the difficulties of market timing. In a nutshell, "from 1928 through 2021,..

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No faces, but two people in collared button downs looking at paperwork

Prediction for Year End

When asked to predict where the market will be at year end, here are my thoughts:

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On Our Minds

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Housing Slump

Today’s chart comes from data provided by the Department of Housing and Development (HUD) which shows that the rate of new US home sales per month has fallen 50% from 1,000,000 to 500,00 since the peak in August 2020.

More

7 Investment Concepts

Top 7 Investment Concepts by Samuel A. Kiburz:

More

Investing 101: Risk and the Possibility of Loss

In the financial planning world, the concept of risk is often used in conversation. Risk has multiple meanings, but the first definition in the Merriam-Webster dictionary is quite simply the “possibility of loss.”

More

Recession? That’s a word my parents use.

We’ve all seen them. They scream at us. We’re just minding our own business admiring cute cat videos as we scroll and they ruin it. Those fearmongering, anxiety-spiking headlines that desperately want you to click them, because, even though we’ve been here before, YOU haven’t been here before. And they know it.

Recession. It evokes plenty of negative emotions and fears on its own, but couple that with cleverly titled click-bait articles and they have you right where they want you – feeling dependent on whatever they’re selling so you don’t fall into financial ruin. Here’s a little PSA: The only one who can help you not only survive but thrive in a recession is YOU.

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Seven Steps to Manage Your Retirement

You made it to retirement! Now what?

How do you plan to pay all the expenses you’ll have for the rest of your life? This can be a daunting task. Many retirees simply open their monthly statements, check the balance, and hope that it’s enough. Hope is not a plan. Those with a plan will have better options and more choices regardless of what happens in the next twenty or thirty years. The outcome will be impacted by many known and unknown variables between the beginning and end. An effective retirement plan will require some time, effort, optimism, and a realistic view of the future. Most importantly, you’ll need to stick to the plan to make it effective and be prepared to adjust along the way. So, where to begin?

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The Shying Away from ESG

Today's chart is from Bloomberg Intelligence, which shows the money flows into ESG (Environmental, Social, and Governance) ETFs since they appeared in 2015.

More

No More Heydays for Hedge Funds

People may ask, “Why not use hedge funds?” Today's chart comes from Bloomberg and shows us the reason why.  In addition to their typical expense ratio of 2% and 20% of gains above a benchmark, hedge funds have consistently underperformed the stock market, denoted by the S&P 500 index, every year since 2014. In fact, they haven’t performed well since their heydays in the 1980s, and even less so since 2007.

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S&P 500 vs. Average Investor

Today's chart comes from OneDigital and shows that the average return for 20-years ending in 2015 was 8.2% for the S&P 500, while the average investor only earned 2.1%. The hypothesis is: Too many investors stop investing when the market is down and/or try to time the market.

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Total Return Since 1802

The following chart from Brian Ferdoldi shows the ultra long-term history of real returns from various asset classes dating back to 1802. Real returns, the returns after inflation, are important to know due to inflation’s elevated levels.

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Hard to Hurt Earnings

Today's chart comes from LPL Research and shows the growth of company earnings since 1950. When you buy a stock fund you are purchasing the steam of their combined future earnings. Yes, that stream can temporarily decline during recessions, but over time the economy and that stream of earnings returns and continues to grow.

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Record Real Estate Prices

Today's Chart of the Day is a Bloomberg chart of the U.S. Median Existing Home Price provided by the National Association of Realtors going all the way back to 1999.

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Rolling, Rolling, Rolling

Today's chart is from Ben Carlson’s “A Wealth of Common Sense” which shows the S&P 500’s rolling returns for 3, 10, 20, and 30 year periods going all the way back to 1926.

More

Best and Worst Days are Close

Today’s Chart of the Day comes again from Vanguard. The best and worst trading days are often very close. Usually, when there is a large swing one way, more often than not, the next day swings in the opposite direction. This is why we often do not get too excited when it happens. In fact, when cash needs to be invested or raised for spending, these are usually great days to do so.

Vanguard proved this with today's chart.

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30 Days Equal Half The Return

Today’s chart comes from Vanguard. They wrote a great short article on the difficulties of market timing.  In a nutshell, "from 1928 through 2021, there were more than 23,300 trading days in the U.S. stock market. Out of those, the 30 best trading days accounted for almost half of the market’s return."

More

Prediction for Year End

When asked to predict where the market will be at year end, here are my thoughts:

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