https://rainerwm.com/news daily 0.75 2026-04-02 https://rainerwm.com/news/2026/3/30/how-rising-gasoline-prices-affect-consumers-and-investors monthly 0.5 2026-04-02 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/f7d45d44-9ad4-49f1-8521-259fda235865/Gasoline+Prices.jpg News + Notes - How Rising Gasoline Prices Affect Consumers and Investors - Make it stand out This chart tracks the average price of regular grade gasoline for all formulations. Data is from the Energy Information Administration. The dotted line denotes the average price over the period. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/283ab469-b576-47a5-af44-653b5dec5e18/Gasoline+Price+Components.jpg News + Notes - How Rising Gasoline Prices Affect Consumers and Investors - Make it stand out This chart shows the evolution of gas prices over time alongside the year-over-year change in the Consumer Price Index (CPI). The change in gas prices is broken down into crude oil prices and other costs on the left axis. Year-over-year changes in CPI are on the right axis. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/34a702f4-11dd-4bff-9e0a-613a13aa7c02/Consumer+Price+Index+Components.jpg News + Notes - How Rising Gasoline Prices Affect Consumers and Investors - Make it stand out This chart shows current levels, troughs, and peaks within the past 12-months for the Consumer Price Index (CPI) components, headline CPI, and core CPI. The blue bars denote the current level of year-over-year inflation for components of CPI that make up headline CPI. The black bars show the current levels of CPI and core CPI. Blue diamonds and orange crosses in each column show the peak and trough of year-over-year inflation respectively. https://rainerwm.com/news/2026/3/30/stock-market-sectors-how-oil-and-ai-affect-portfolios monthly 0.5 2026-04-02 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/e1d99e64-f364-44b0-97dc-aafb488395cc/Sector+Returns+YTD.jpg News + Notes - Stock Market Sectors: How Oil and AI Affect Portfolios - Make it stand out This chart shows the S&P 500 sector price returns year-to-date. The bars show the year-to-date returns, the blue diamonds show the peak return year-to-date, and the orange x shows the trough return year-to-date. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/43ba33eb-53f5-47a2-8813-014ee4c78642/Magnificent+7+Performance.jpg News + Notes - Stock Market Sectors: How Oil and AI Affect Portfolios - Make it stand out This chart tracks the price returns of the S&P 500 market and equal weight indices, Nasdaq Composite, Dow Jones Industrial Average, and Magnificent 7 price returns since 2020. The Magnificent 7 is a simple equal-weighted average of price returns for Meta, Amazon, Apple, Alphabet, Nvidia, Microsoft, and Tesla. Returns are indexed to 100 at the start of the period. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/fedb1422-3269-4175-8c4b-9ee2578b0255/Sectors+Relative+to+the+S%26P+500.jpg News + Notes - Stock Market Sectors: How Oil and AI Affect Portfolios - Make it stand out This chart shows the annual total returns for the S&P 500 and each S&P 500 Global Industry Classification Standard (GICS) sector. GICS sectors include communication services (Comm.), consumer discretionary (Cons. Disc.), consumer staples (Cons. Stap.), energy, financials, health care, industrials, information technology (technology), materials, real estate, and utilities. https://rainerwm.com/news/2026/3/30/market-pullbacks-and-achieving-portfolio-balance monthly 0.5 2026-04-02 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/7f860756-935b-4a37-a2a8-1907a2c0b170/Staying+Invested+Timing+the+Market.jpg News + Notes - Market Pullbacks and Achieving Portfolio Balance - Make it stand out This chart shows the value of an initial investment of $1,000 using S&P 500 price returns before transaction costs under varying scenarios. Each scenario assumes that $1,000 was invested 25 years ago and remained fully invested or moved to cash for a period of time following each day with a -2% or greater move. If the periods out of the market overlap, the time out of the market is extended. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/6a138287-9642-4f69-84c3-8952fbca8467/Bond+Yields+and+Forward+Returns.jpg News + Notes - Market Pullbacks and Achieving Portfolio Balance - Make it stand out This chart shows the historical relationship between Bloomberg U.S. Aggregate Bond Index yields and forward returns. Yields and forward returns are calculated on a monthly basis. One-year and five-year forward returns are calculated from the date of each yield snapshot. The r-squared value shows how much of the variation in each set of forward returns is explained by the starting yield level. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/a53e8501-e7a0-429c-85c4-ab0be8e28e52/Asset+Allocation+Performance.jpg News + Notes - Market Pullbacks and Achieving Portfolio Balance - Make it stand out This chart tracks the performance of four portfolio allocations: 100% stocks, a 60%/40% stock bond split, 40%/60% stock bond split, and a 100% bonds. This chart are reindexed to January 2020 to show performance through the COVID market crash. The 100% stock portfolio is represented by the S&P 500, while the other three use iShares U.S. Bond indices before expenses and fees. https://rainerwm.com/news/2026/3/9/special-update-how-100-oil-and-the-middle-east-conflict-affect-investors-cejgx monthly 0.5 2026-03-31 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/d0046359-96df-4099-9d6b-a932ccd30829/Global+Oil+Prices.jpg News + Notes - Special Update: How $100 Oil and the Middle East Conflict Affect Investors - Make it stand out This chart tracks the price of West Texas Intermediate (WTI) and Brent Crude oil prices over time. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/911d978b-427d-43dd-9eba-ab0bc2cc552e/US+Oil+Production.jpg News + Notes - Special Update: How $100 Oil and the Middle East Conflict Affect Investors - Make it stand out This chart tracks the U.S. oil production in millions of barrels per day. The dotted line denotes the average over the period. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/0c044b16-2240-4927-bb78-26dde96e0f8d/Oil+and+the+Stock+Market.jpg News + Notes - Special Update: How $100 Oil and the Middle East Conflict Affect Investors - Make it stand out This chart tracks the price of West Texas Intermediate (WTI) oil on the left axis and the S&P 500 price on the right axis. https://rainerwm.com/news/2026/3/3/special-update-iran-and-long-term-investing monthly 0.5 2026-03-03 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/805b44ba-4520-481e-9dad-2f28aa31100f/Middle+East+Conflicts+and+Markets.jpg News + Notes - Special Update: Iran and Long-Term Investing - Make it stand out This chart shows major conflicts in the Middle East since 2010 with the S&P 500 price index and Brent crude oil prices. Since not all possible events can be shown, the events annotated were selected based on their news and market impact. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/e583e86c-28c1-42e3-86f9-a878e92af612/Top+Global+Energy+Producers.jpg News + Notes - Special Update: Iran and Long-Term Investing - Make it stand out This chart shows oil and natural gas production by country, sorted by top oil producers. The data is from various sources and reflects the latest available. Numbers shown are daily production figures - million barrels per day for crude oil and billion cubic feet per day for natural gas. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/633a13bf-1235-4fd1-aa9b-3fd2fc6471e5/Wars+and+the+Stock+Market.jpg News + Notes - Special Update: Iran and Long-Term Investing - Make it stand out This chart shows S&P 500 price returns just before and over the one, five, and ten years following each war. Start dates are based on the initial event, when the conflict escalated, or when the U.S. became actively involved. The exact timing of the one, five, and ten year dates is approximate based on trading days over the period and the exact starting market date. Note that these figures may change slightly as the methodology is updated. https://rainerwm.com/news/2026/3/3/monthly-market-update-for-february-supreme-court-tariff-ruling-ai-and-iran monthly 0.5 2026-03-05 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/bf3a530c-26be-4bb2-a84a-7848f6c70e01/US+Tariff+Rates+and+Trade+Wars.jpg News + Notes - Monthly Market Update for February: Supreme Court Tariff Ruling, AI, and Iran - Make it stand out This chart shows reciprocal tariff rates announced by the White House on April 2, 2025. These reciprocal tariffs are on top of previously announced tariffs. This chart also shows the current level of total tariffs set by the U.S. on each country. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/addbedd8-a711-4e0f-be96-e9a0b0b77d52/Sector+Earnings+and+Valuations.jpg News + Notes - Monthly Market Update for February: Supreme Court Tariff Ruling, AI, and Iran - Make it stand out This chart shows the next twelve months earnings growth and P/E ratios for each S&P 500 sector. Sectors are ordered from highest earnings per share growth estimate, denoted by the bars. The black triangles show the next twelve-months P/E ratio. The levels are noted above the sector labels. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/cde17c2b-e4cd-4a87-a4d0-63501733cbd8/Global+Stock+Market+Performance.jpg News + Notes - Monthly Market Update for February: Supreme Court Tariff Ruling, AI, and Iran - Make it stand out This chart tracks the performance of the S&P 500, MSCI EAFE, and MSCI EM indices in USD for the previous two-years. https://rainerwm.com/news/2026/2/23/supreme-court-tariff-ruling-key-takeaways-for-investors monthly 0.5 2026-02-27 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/da812ad2-3b18-4135-9a5a-5c7d27fe9b95/Goverment+Tariff+Revenue.jpg News + Notes - Supreme Court Tariff Ruling: Key Takeaways for Investors - Make it stand out This chart shows the level of customs duties collected by the federal government since 2010. It is based on quarterly, seasonally adjusted data, so the amount each year is allocated to each quarter based on seasonal adjustment factors. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/087d8bed-293b-487c-a05e-03670c896954/US+Tariff+Rates+and+Trade+Wars.jpg News + Notes - Supreme Court Tariff Ruling: Key Takeaways for Investors - Make it stand out This chart shows reciprocal tariff rates announced by the White House on April 2, 2025. These reciprocal tariffs are on top of previously announced tariffs. This chart also shows the current level of total tariffs set by the U.S. on each country. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/d9532c17-a137-4bf3-b12a-919ff0981172/Total+Returns+and+Pullbacks.jpg News + Notes - Supreme Court Tariff Ruling: Key Takeaways for Investors - Make it stand out This chart shows the annual returns and largest intra-year decline for the S&P 500 price index. The largest intra-year decline is measured as the steepest peak-to-trough decline for the index during the calendar year. https://rainerwm.com/news/2026/2/17/jobs-inflation-and-growth-is-the-economy-healthy monthly 0.5 2026-02-20 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/45971b30-a4a5-49d7-b648-4646295d4885/Unemployment+and+Job+Openings+2.jpg News + Notes - Jobs, Inflation, and Growth: Is the Economy Healthy? - Make it stand out This chart shows the number of unemployed individuals from the Current Population Survey alongside the number of job openings from the Job Openings and Labor Turnover Survey. The blue shaded area represents the difference between the number of unemployed and job openings. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/1addf92b-96f9-4f10-82bb-f48dab167a57/Inflation+Measures.jpg News + Notes - Jobs, Inflation, and Growth: Is the Economy Healthy? - Make it stand out This chart shows the current level, trough, and peak of year-over-year inflation for various U.S. price indices. Blue diamonds and orange crosses in each column show the peak and trough of year-over-year inflation respectively. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/06bdd782-fa37-49d2-ad4e-7f13a0c2dbe2/Fed+Funds+Futures+Implied+Rates.jpg News + Notes - Jobs, Inflation, and Growth: Is the Economy Healthy? - Make it stand out This chart shows the expected path of the Federal Funds Rate as implied by Fed Funds Futures. It also shows the number of 25 basis point rate hikes or cuts that would be needed to reach the implied rate from today's rate. https://rainerwm.com/news/2026/2/13/how-equity-compensation-fits-into-your-financial-plan monthly 0.5 2026-02-17 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/6388967e-fa7a-4ea7-ad2a-e4b9da71371a/Portfolio+Risk%3AReward.jpg News + Notes - How Equity Compensation Fits into Your Financial Plan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2026/2/9/is-ai-eating-the-world-a-portfolio-perspective monthly 0.5 2026-02-16 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/b0e1d5be-cff7-40ce-80a7-b44627df7ba3/The+Stock+Market+and+Technological+Innovation.jpg News + Notes - Is AI Eating the World? A Portfolio Perspective - Make it stand out This chart tracks the S&P 500 price index using a logarithmic scale. On this log scale the Y-axis labels increase by a factor of two, so each step along the axis is a doubling of the index value. This provides a better depiction of growth rates than linear price levels which would be dominated by more recent activity. Select innovations have been labeled. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/c3560ba7-e25d-4720-9545-8b086d5018cd/Unemployment+and+Job+Openings.jpg News + Notes - Is AI Eating the World? A Portfolio Perspective - Make it stand out This chart shows the number of unemployed individuals from the Current Population Survey alongside the number of job openings from the Job Openings and Labor Turnover Survey. The blue shaded area represents the difference between the number of unemployed and job openings. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/f667a784-060f-4676-aed5-2e8dcef8e552/Sector+Returns+Year+to+Date.jpg News + Notes - Is AI Eating the World? A Portfolio Perspective - Make it stand out This chart shows the S&P 500 sector price returns year-to-date. The bars show the year-to-date returns, the blue diamonds show the peak return year-to-date, and the orange x shows the trough return year-to-date. https://rainerwm.com/news/2026/2/2/the-importance-of-earnings-for-long-term-portfolios monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/19536602-8850-4105-b735-37664b6b269e/The+Stock+Market+and+Earnings.jpg News + Notes - The Importance of Earnings for Long-Term Portfolios - Make it stand out This chart shows the S&P 500 trailing 12-month earnings-per-share alongside the S&P 500 price index. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/7226e41f-db90-4854-beea-e6ffeac983dd/Stock+Market+Price+to+Earnings+Ratio.jpg News + Notes - The Importance of Earnings for Long-Term Portfolios - Make it stand out This chart tracks the S&P 500 price to earnings ratio. Earnings estimates are forward estimates over the next twelve months. The dotted line denotes the average over the full period. This data is calculated weekly. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/07fc4711-3309-4883-bb22-c16556d237d7/Sector+Earnings+and+Valuations.jpg News + Notes - The Importance of Earnings for Long-Term Portfolios - Make it stand out This chart shows the next twelve months earnings growth and P/E ratios for each S&P 500 sector. Sectors are ordered from highest earnings per share growth estimate, denoted by the bars. The black triangles show the next twelve-months P/E ratio. The levels are noted above the sector labels. https://rainerwm.com/news/2026/2/2/monthly-market-update-for-january-geopolitics-the-fed-and-precious-metals monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/39c41d16-b555-4c83-a1fd-87e9198b662c/Asset+Class+Perfromance+Year+to+Date.jpg News + Notes - Monthly Market Update for January: Geopolitics, the Fed, and Precious Metals - Make it stand out This chart shows total asset class returns year-to-date. Asset classes included are MSCI Emerging Markets Index (EM), MSCI Developed Markets Index (EAFE), MSCI World Small Cap Index (Small Cap), S&P 500, balanced portfolio, fixed income, and MSCI World Commodity Producers Index (comm.). The balanced portfolio is a historical 60/40 portfolio consisting of 40% U.S. large cap, 5% small cap, 10% international developed equities, 5% emerging market equities, 35% U.S. bonds, and 5% commodities. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/45dd2495-a425-42cb-999a-15d527362447/Precious+Metals+2.jpg News + Notes - Monthly Market Update for January: Geopolitics, the Fed, and Precious Metals - Make it stand out This chart shows the spot prices per ounce of gold, silver, platinum, and palladium. The plot is scaled to 100 on January 1, 2007 to show the relative movements of each precious metal. Return figures are from January 1, 2007 to the present. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/477fc5a6-877f-4289-8869-b916abf2ef05/S%26P+500+Earnings+Growth+Rate.jpg News + Notes - Monthly Market Update for January: Geopolitics, the Fed, and Precious Metals - Make it stand out This chart tracks the year-over-year growth rate of S&P 500 12-month trailing earnings per share. https://rainerwm.com/news/2026/1/20/gold-and-silver-current-portfolio-perspectives-8dw8j monthly 0.5 2026-01-30 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/172e27dc-ff06-4ce6-9677-6f49d14785a3/Precious+Metals.jpg News + Notes - Gold and Silver: Current Portfolio Perspectives - Make it stand out This chart shows the spot prices per ounce of gold, silver, platinum, and palladium. The plot is scaled to 100 on January 1, 2007 to show the relative movements of each precious metal. Return figures are from January 1, 2007 to the present. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/fbf3e098-cb31-4297-ba1a-48b869ab6927/Gold+and+the+Stock+Market.jpg News + Notes - Gold and Silver: Current Portfolio Perspectives - Make it stand out This chart shows the S&P 500 total return and gold returns since the cycle peak in 2007. Returns are reindexed to the cycle peak in 2007. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/1cb14ffc-c6b5-4ea9-8240-d2d2aacb18e1/Asset+Classes+Relative+to+US+Stocks.jpg News + Notes - Gold and Silver: Current Portfolio Perspectives - Make it stand out This chart shows the annual total returns for varying asset classes. Asset classes included are MSCI Emerging Markets Index (EM), MSCI Developed Markets Index (EAFE), MSCI World Small Cap Index (Small Cap), S&P 500, balanced portfolio, fixed income, and MSCI World Commodity Producers Index (comm.). The balanced portfolio is a historical 60/40 portfolio consisting of 40% U.S. large cap, 5% small cap, 10% international developed equities, 5% emerging market equities, 35% U.S. bonds, and 5% commodities. https://rainerwm.com/news/2026/1/16/managing-new-tax-changes-to-optimize-your-financial-plan monthly 0.5 2026-01-23 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/8bd18531-36e8-41d2-b6cb-9be73e84feda/US+Income+Tax+Brackets.jpg News + Notes - Managing New Tax Changes to Optimize Your Financial Plan - Make it stand out This chart shows the latest tax brackets and income ranges by filing status published by the IRS. Filing statuses are: Single, Married Filing Jointly, Married Filing Separately, and Head of Household. https://rainerwm.com/news/2026/1/13/using-behavioral-finance-to-set-investor-expectations monthly 0.5 2026-01-20 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/4a26e203-b9c9-44e3-8958-44ae7e46991a/Historical+Stock+and+Bond+Return+Ranges.jpg News + Notes - Using Behavioral Finance to Set Investor Expectations - Make it stand out This chart shows the historical annual return ranges of the S&P Composite index, bonds, and asset allocations of these assets. The bond index is represented by 10-year U.S. Treasury bonds prior to 1976 and the Bloomberg U.S. Aggregate Bond Index from 1976 to the present. Each bar shows the min, max, and average annual returns over each stated time period, for each asset or portfolio. These are calculated using underlying monthly total returns. Periods longer than a year show annual returns based on their geometric means. *Note that this chart's methodology changed on April 8, 2025 - previously, the bond calculations showed the historical return ranges of a buy-and-hold approach for 10-year U.S. Treasury bonds. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/3f5d5a6a-b1d6-4243-b950-4af3ce67b16c/Total+Returns+and+Pullbacks+2.jpg News + Notes - Using Behavioral Finance to Set Investor Expectations - Make it stand out This chart shows the annual returns and largest intra-year decline for the S&P 500 price index. The largest intra-year decline is measured as the steepest peak-to-trough decline for the index during the calendar year. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/3aaef199-71f2-4ed4-9407-151f967c5655/Global+Equity+Valuations.jpg News + Notes - Using Behavioral Finance to Set Investor Expectations - Make it stand out This chart shows the forward price-to-earnings ratio for the S&P 500, MSCI EAFE, and MSCI EM. https://rainerwm.com/news/2026/1/6/special-update-venezuela-oil-and-the-impact-on-portfolios monthly 0.5 2026-01-16 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/18fdeded-45e3-4f91-8ded-f7447b757bd6/Geopolitical+Events+and+Stocks.jpg News + Notes - Special Update: Venezuela, Oil, and the Impact on Portfolios - Make it stand out This chart tracks the S&P 500 price returns around major geopolitical events. S&P 500 total returns are reindexed to 100 at the time of the event and the x axis shows the number of days relative to the event. 3-month, 6-month, and 1-year returns are shown alongside the selected events. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/d42207a9-107d-4c78-a4e9-320caee9d67c/Energy+Sector+Earnings.jpg News + Notes - Special Update: Venezuela, Oil, and the Impact on Portfolios - Make it stand out This figure shows the S&P 500 energy sector 12-month forward earnings-per-share alongside the price of West Texas Intermediate Crude Oil (WTI). https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/0df0e84d-6dcb-457a-8e6b-2b62a44e0a32/Global+Stock+Market+Performance.jpg News + Notes - Special Update: Venezuela, Oil, and the Impact on Portfolios - Make it stand out This chart tracks the performance of the S&P 500, MSCI EAFE, and MSCI EM indices in USD for the previous two-years. https://rainerwm.com/news/2026/1/5/2025-year-in-review-a-historic-market-year-for-investors monthly 0.5 2026-01-12 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/53b7b9cc-aea4-4eba-a238-95df3ac63211/Stock+Market+All+Time+Highs.jpg News + Notes - 2025 Year in Review: A Historic Market Year for Investors - Make it stand out This chart shows the number of times that the S&P 500 price index has reached an all-time high within each calendar year overlayed with the S&P 500 price index. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/8ff8c1cb-6bf5-4db0-92e2-2f27ff3661e4/Total+Returns+and+Pullbacks.jpg News + Notes - 2025 Year in Review: A Historic Market Year for Investors - Make it stand out This chart shows the annual returns and largest intra-year decline for the S&P 500 price index. The largest intra-year decline is measured as the steepest peak-to-trough decline for the index during the calendar year. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/3b8d2c6c-6df6-42ba-ad95-b18070e6e307/Magnificent+7+Performance.jpg News + Notes - 2025 Year in Review: A Historic Market Year for Investors - Make it stand out This chart tracks the price returns of the S&P 500 market and equal weight indices, Nasdaq Composite, Dow Jones Industrial Average, and Magnificent 7 price returns since 2020. The Magnificent 7 is a simple equal-weighted average of price returns for Meta, Amazon, Apple, Alphabet, Nvidia, Microsoft, and Tesla. Returns are indexed to 100 at the start of the period. https://rainerwm.com/news/2025/12/15/the-future-of-the-fed-new-leadership-and-rate-cuts monthly 0.5 2025-12-22 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/c63ff84d-569f-49f5-bfaa-8221f12b7830/The+Economy+and+Fed+Chairs+2.jpg News + Notes - The Future of the Fed: New Leadership and Rate Cuts - Make it stand out This chart shows the level of real GDP (chained 2017 dollars) since 1948. Each Fed chair is labeled along with the years of their term. Each area is colored based on the political party of the president that nominated them. Recessions are shaded based on NBER dates. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/8f533357-7708-44d4-8b63-f1027295ce49/Unemployment+vs.+Inflation.jpg News + Notes - The Future of the Fed: New Leadership and Rate Cuts - Make it stand out This chart shows the level of year-over-year percent change in the Consumer Price Index (CPI) alongside the U-3 unemployment rate. Note the axis corresponding to the U-3 unemployment rate is inverted. Shading denotes National Bureau of Economic Research (NBER) recessions. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/8827eae3-7cf3-44fe-a2e6-e8d6d55e610b/Federal+Reserve+Dot+Plot.jpg News + Notes - The Future of the Fed: New Leadership and Rate Cuts - Make it stand out This chart shows the Federal Open Market Committee (FOMC) participant's assessment of the appropriate path for the Federal Funds Rate. Each dot represents a member of the FOMC and their assessment of appropriate Federal Funds Rate at each time period. The solid line shows the median projection. https://rainerwm.com/news/2025/12/8/2026-outlook-7-key-themes-for-long-term-investors monthly 0.5 2025-12-12 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/86fa6b2e-ab1c-4307-8ba4-5c06a8732b79/Asset+Class+Performance.jpg News + Notes - 2026 Outlook: 7 Key Themes for Long-Term Investors - Make it stand out This chart shows the annual total returns for varying asset classes. Asset classes included are MSCI Emerging Markets Index (EM), MSCI Developed Markets Index (EAFE), MSCI World Small Cap Index (Small Cap), S&P 500, balanced portfolio, fixed income, and MSCI World Commodity Producers Index (comm.). The balanced portfolio is a historical 60/40 portfolio consisting of 40% U.S. large cap, 5% small cap, 10% international developed equities, 5% emerging market equities, 35% U.S. bonds, and 5% commodities. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/c5f4af42-309a-4da7-806b-56d3765cb649/Valuations+and+Forward+Returns.jpg News + Notes - 2026 Outlook: 7 Key Themes for Long-Term Investors - Make it stand out The scatter plot shows the S&P 500 forward price-to-earnings ratio and the subsequent 1-year and 10-year annualized returns for the S&P 500 price index. The implied 10-year return is based on an ordarinary least squares regression of forward returns against forward price-to-earnings ratios. R-squared values are displayed for each regression. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/36413f29-afa0-40b8-8214-8aae2da8004f/Sector+Returns+Year+to+Date.jpg News + Notes - 2026 Outlook: 7 Key Themes for Long-Term Investors - Make it stand out This chart shows the S&P 500 sector price returns year-to-date. The bars show the year-to-date returns, the blue diamonds show the peak return year-to-date, and the orange x shows the trough return year-to-date. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/4e6b9cc7-4284-4c38-b2a9-a1f221f5b4df/US+Productivity+Growth.jpg News + Notes - 2026 Outlook: 7 Key Themes for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/a06a19a5-6c37-403e-876e-a89ec0a6d8bd/Consumer+Price+Index.jpg News + Notes - 2026 Outlook: 7 Key Themes for Long-Term Investors - Make it stand out This chart tracks the year-over-year changes in the Consumer Price Index (CPI) and the Consumer Price Index excluding food and energy prices (Core CPI). The CPI index measures the change in prices paid by consumers for goods and services. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/43e14761-a544-4a56-8f9e-7a209fdc7e5b/Stock+Markets+in+Election+Years.jpg News + Notes - 2026 Outlook: 7 Key Themes for Long-Term Investors - Make it stand out On the left the figure shows the S&P 500 average annual stock market total return during non-election years, presidential elections years, and midterm election years. On the right the same figures are reported, but 2002 and 2008 are excluded from the calculation. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/29b094eb-ed47-4b48-8787-6e4ea4002c9d/The+Economy+and+Fed+Chairs.jpg News + Notes - 2026 Outlook: 7 Key Themes for Long-Term Investors - Make it stand out This chart shows the level of real GDP (chained 2017 dollars) since 1948. Each Fed chair is labeled along with the years of their term. Each area is colored based on the political party of the president that nominated them. Recessions are shaded based on NBER dates. https://rainerwm.com/news/2025/12/1/monthly-market-update-for-november-volatility-amid-ai-and-fed-uncertainty monthly 0.5 2025-12-05 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/7ef30dbe-af27-4d63-ba73-99966b107ba4/Stock+Market+Pullbacks.jpg News + Notes - Monthly Market Update for November: Volatility Amid AI and Fed Uncertainty - Make it stand out This chart shows the expected path of the Federal Funds Rate as implied by Fed Funds Futures. It also shows the number of 25 basis point rate hikes or cuts that would be needed to reach the implied rate from today's rate. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/9a216c20-c595-4243-891a-3de9242425f4/Unemployment+Rates.jpg News + Notes - Monthly Market Update for November: Volatility Amid AI and Fed Uncertainty - Make it stand out This chart shows the unemployment rate using two measures of unemployment: U-3 and U-6 unemployment rates. U-3 unemployment tracks the total unemployed, as a percent of the civilian labor force, and is the official unemployment rate. U-6 unemployment tracks the total unemployed, plus all persons marginally attached to the labor force, plus total employed part time for economic reasons, as a percent of the civilian labor force plus all persons marginally attached to the labor force. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/0bc32ac2-decf-4b68-ae49-c0527919c921/Fed+Funds+Futures+Implied+Rates.jpg News + Notes - Monthly Market Update for November: Volatility Amid AI and Fed Uncertainty - Make it stand out This chart shows the expected path of the Federal Funds Rate as implied by Fed Funds Futures. It also shows the number of 25 basis point rate hikes or cuts that would be needed to reach the implied rate from today's rate. https://rainerwm.com/news/2025/11/24/charitable-giving-advanced-strategies-for-year-end-planning monthly 0.5 2025-12-01 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/69533ddc-4720-4619-8124-3843384aede6/Household+Net+Worth.jpg News + Notes - Charitable Giving: Advanced Strategies for Year End Planning - Make it stand out This chart shows the total net worth of households and nonprofits as reported by the Federal Reserve's Z1 report of U.S. financial accounts. https://rainerwm.com/news/2025/11/17/why-investors-can-be-thankful-this-holiday-season monthly 0.5 2025-11-21 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/04bdb592-f964-4ac5-82b9-67723d47359f/Stock+Market+Bull+and+Bear+Cycles.jpg News + Notes - Why Investors Can Be Thankful This Holiday Season - Make it stand out This chart shows the S&P 500 price index with the start of bull and bear markets adjusted to zero. The returns for each period show the relative price returns from the start of the bear or bull market to the end of the market cycle. Bear markets are defined as declines from the prior highest market level that extend beyond -20%. Subsequent bull markets begin from each bear market bottom. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/5c9bccd6-e10d-44de-881c-708776a9550f/Consumer+Price+Index.jpg News + Notes - Why Investors Can Be Thankful This Holiday Season - Make it stand out This chart tracks the year-over-year changes in the Consumer Price Index (CPI) and the Consumer Price Index excluding food and energy prices (Core CPI). The CPI index measures the change in prices paid by consumers for goods and services. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/5b953861-3530-43b9-804b-4498f0ba1daf/Asset+Class+Performance+Year+to+Date.jpg News + Notes - Why Investors Can Be Thankful This Holiday Season - Make it stand out This chart shows total asset class returns year-to-date. Asset classes included are MSCI Emerging Markets Index (EM), MSCI Developed Markets Index (EAFE), MSCI World Small Cap Index (Small Cap), S&P 500, balanced portfolio, fixed income, and MSCI World Commodity Producers Index (comm.). The balanced portfolio is a historical 60/40 portfolio consisting of 40% U.S. large cap, 5% small cap, 10% international developed equities, 5% emerging market equities, 35% U.S. bonds, and 5% commodities. https://rainerwm.com/news/2025/11/10/risk-management-amid-credit-concerns-and-cockroaches monthly 0.5 2025-11-18 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/eed51bda-5967-4465-8676-e6c063e93e65/Corporate+Bond+Yield+Credit+Cycles.jpg News + Notes - Risk Management Amid Credit Concerns and Cockroaches - Make it stand out This chart shows the corporate bond yields by rating. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/9cc2bb51-2229-442c-a617-31d2dae92667/FDIC+Bank+Failures.jpg News + Notes - Risk Management Amid Credit Concerns and Cockroaches - Make it stand out This chart shows the annual total Federal Deposit Insurance Corporation (FDIC) insured bank failures on the left axis and total deposits of failed banks on the right axis. The annual total FDIC-insured bank failures are represented by bars and total deposits of failed banks are shown by the line plot. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/44ac356d-d13f-4096-8b69-d1df74331822/Bond+Market+Volatility.jpg News + Notes - Risk Management Amid Credit Concerns and Cockroaches - Make it stand out This chart shows the ICE BofA MOVE Index which measures the implied volatility of U.S. Treasurys. It tracks options on Treasury securities across maturities, using a weighted average of normalized implied volatilities across the yield curve. https://rainerwm.com/news/2025/11/4/monthly-market-update-for-october monthly 0.5 2025-11-10 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/7a7977b7-1919-494f-a05e-07092ceecd44/Stock+Market+All-Time+Highs.jpg News + Notes - Monthly Market Update for October - Make it stand out This chart shows the number of times that the S&P 500 price index has reached an all-time high within each calendar year overlayed with the S&P 500 price index. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/991ed061-ea45-443d-a471-09f6230ad2d4/Stock+Market+Volatility.jpg News + Notes - Monthly Market Update for October - Make it stand out This chart tracks the Chicago Board Options Exchange (CBOE) volatility index. The VIX index is a measure of constant 30-day expected volatility of the U.S. stock market and is derived from mid-quote prices of S&P 500 call and put options. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/05f83b30-865e-4cc5-98c7-ba4647fb27cd/Social+Security+Cost+of+Living+Adjustment.jpg News + Notes - Monthly Market Update for October - Make it stand out This chart tracks the cost-of-living adjustments (COLA) to social security payments over time alongside the measure which it is derived from, the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). The CPI-W plotted is the average annual CPI-W percent change. The COLA adjustment is equal to the percentage increase, if present, in the CPI-W from the average for the third quarter of the current year to the average for the third quarter of the last year in which a COLA was issued. https://rainerwm.com/news/2025/10/27/retirement-planning-social-security-cola-and-portfolio-considerations monthly 0.5 2025-10-29 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/84379a7e-64d2-4f38-a700-72e885dfec24/Social+Security+Cost+of+Living+Adjustment.jpg News + Notes - Retirement Planning: Social Security COLA and Portfolio Considerations - Make it stand out This chart tracks the cost-of-living adjustments (COLA) to social security payments over time alongside the measure which it is derived from, the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). The CPI-W plotted is the average annual CPI-W percent change. The COLA adjustment is equal to the percentage increase, if present, in the CPI-W from the average for the third quarter of the current year to the average for the third quarter of the last year in which a COLA was issued. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/8c946dfe-6cd5-4856-9da0-8f4a1c07df8f/US+Life+Expectancy.jpg News + Notes - Retirement Planning: Social Security COLA and Portfolio Considerations - Make it stand out This chart shows life expectancy for males and females as reported in the most recent Social Security Trustees Report. Average life expectancies are displayed as reported. 90th percentiles of life expectancy are calculated from mortality probabilities. Life expectancies are calculated using the most recent mortality rates over the course of his or her remaining life. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/98bde8c2-c531-4dad-815a-ea55bef60394/Interest+Income+on+Cash+2.jpg News + Notes - Retirement Planning: Social Security COLA and Portfolio Considerations - Make it stand out This chart shows the income earned over time from $100,000 invested in 6-month Certificates of Deposit and the value adjusted for inflation. Real income after inflation is adjusted by the Consumer Price Index. The dotted line denotes the average income over the period. https://rainerwm.com/news/2025/10/21/perspectives-on-the-gold-rally-and-dollar-debasement monthly 0.5 2025-10-29 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/f611a66f-92f8-4336-9683-4300223ed189/Gold+and+Interest+Rates.jpg News + Notes - Perspectives on the Gold Rally and Dollar Debasement - Make it stand out This chart tracks the performance of gold on the right axis and the U.S. 10-year treasury and the German 10-year Bund yields on the left axis. The black line shows zero on the left axis. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/3fd7636b-b113-4060-ba62-a7e668a5124c/Gold+and+the+Stock+Market.jpg News + Notes - Perspectives on the Gold Rally and Dollar Debasement - Make it stand out This chart shows the S&P 500 total return and gold returns since the cycle peak in 2007. Returns are reindexed to the cycle peak in 2007. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/53bdfe70-32e8-4837-86dd-377422927390/Asset+Class+Performance+Year-to-Date.jpg News + Notes - Perspectives on the Gold Rally and Dollar Debasement - Make it stand out This chart shows total asset class returns year-to-date. Asset classes included are MSCI Emerging Markets Index (EM), MSCI Developed Markets Index (EAFE), MSCI World Small Cap Index (Small Cap), S&P 500, balanced portfolio, fixed income, and MSCI World Commodity Producers Index (comm.). The balanced portfolio is a historical 60/40 portfolio consisting of 40% U.S. large cap, 5% small cap, 10% international developed equities, 5% emerging market equities, 35% U.S. bonds, and 5% commodities. https://rainerwm.com/news/2025/10/14/trade-war-with-china-the-latest-tariff-tantrum-and-market-volatility monthly 0.5 2025-10-17 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/186fbe5f-89d8-4e06-ad3c-4c62ae09d5e2/US+Trade+with+china.jpg News + Notes - Trade War with China: The Latest Tariff Tantrum and Market Volatility - Make it stand out This chart shows various measures of U.S. trade with China including the trade balance in goods, goods imports, goods exports, and the trade balance in goods and services. Trade measures for goods are measured on a visible alongside basis. All datapoints are quarterly and calculated on a four-quarter rolling basis. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/7c69bb45-b42f-4d9b-a923-bfe988c413de/Volitility+and+Forward+Returns.jpg News + Notes - Trade War with China: The Latest Tariff Tantrum and Market Volatility - Make it stand out This chart shows the CBOE VIX index, a measure of 30-day expected volatility of the U.S. stock market derived from S&P 500 call and put options. The chart also shows the one-year forward price return of the S&P 500 beginning on each date of the VIX index. Significant VIX levels and their forward returns are annotated. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/0f7366e5-3c48-4774-b686-63959fb13b3a/Stock+Market+Pullbacks.jpg News + Notes - Trade War with China: The Latest Tariff Tantrum and Market Volatility - Make it stand out This chart shows the number of pullbacks in the S&P 500 price index each year. A pullback is defined as a drop greater than or equal to 5% from a previous high. https://rainerwm.com/news/2025/10/6/are-investors-holding-too-much-cash monthly 0.5 2025-10-10 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/e01128c5-99b0-4efa-b5f6-b484f4526d6f/Growth+of+%241+Since+1926.jpg News + Notes - Are Investors Holding Too Much Cash? - Make it stand out This chart shows the growth of $1 since 1926 in the Standard and Poor's Composite and 10-year U.S. Treasury bonds. Stock returns include dividend reinvestment. The inflation line shows the number of dollars over time to equal $1 in spending in 1926, accoring to the Bureau of Labor Statistics Consumer Price Index. This chart uses a logarithmic scale. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/e03562a7-2fa2-4e73-8873-61001002930f/Interest+Income+on+Cash.jpg News + Notes - Are Investors Holding Too Much Cash? - Make it stand out This chart shows the income earned over time from $100,000 invested in 6-month Certificates of Deposit and the value adjusted for inflation. Real income after inflation is adjusted by the Consumer Price Index. The dotted line denotes the average income over the period. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/43703c1b-2127-44e8-98bd-89b39fd6b1cd/Money+Market+Funds+and+Interest+Rates.jpg News + Notes - Are Investors Holding Too Much Cash? - Make it stand out This chart shows money market mutual fund total assets in trillions of dollars on the left axis and the yield on 1-month U.S. Treasury bills on the right axis. Annotations for select major events are included. https://rainerwm.com/news/2025/10/6/quarterly-market-update-for-q4-2025-navigating-conflicting-signals monthly 0.5 2025-10-10 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/d454c92e-bd69-4be1-9792-2c88828db3f4/The+Shiller+P%3AE+Ratio.jpg News + Notes - Quarterly Market Update for Q4 2025: Navigating Conflicting Signals - Make it stand out This chart tracks the Shiller price to earnings ratio. The Shiller P/E ratio is calculated as the S&P 500 price index divided by the inflation-adjusted average earnings from the prior 10 years. The dotted lines denote the simple average before 1990 and since 1990. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/cc5f628e-59a7-44e2-bec1-cb97ab326511/Annual+Payroll+Revisions.jpg News + Notes - Quarterly Market Update for Q4 2025: Navigating Conflicting Signals - Make it stand out This chart shows the Bureau of Labor Statistics' annual benchmark revisions to nonfarm payroll employment data, which adjust the preliminary monthly job counts based on more comprehensive data from employers. These benchmark revisions are typically released each February, covering the 12-month period up the March of the previous year. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/199e87a7-480c-4473-b10a-5bdebf541ca5/Economic+Policy+Uncertainty+Chart.jpg News + Notes - Quarterly Market Update for Q4 2025: Navigating Conflicting Signals - Make it stand out The Economic Policy Uncertainty (EPU) Index quantifies the level of uncertainty related to economic policy decisions. Developed by economists Scott Baker, Nicholas Bloom, and Steven Davis, this index is standardized to a value of 100, representing the average policy uncertainty level observed from 1985 to 2009. The EPU Index methodology integrates three key components: news coverage analysis that counts policy uncertainty mentions in major newspapers; data on future tax code provision expirations that reflects tax environment uncertainty; and measurements of disagreement among professional economic forecasters regarding future inflation and government spending. These components are weighted to create a composite score where higher values indicate elevated policy uncertainty. https://rainerwm.com/news/2025/9/29/how-government-shutdowns-affect-markets-and-the-economy-5ep9e monthly 0.5 2025-10-03 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/701dcec6-c599-4ef5-a49e-545d78ca2cf0/Government+Shutdowns+and+the+Stock+Market.jpg News + Notes - How Government Shutdowns Affect Markets and the Economy - Make it stand out This chart shows periods during which the government experienced a partial or full shutdown. The federal government operates on an annual budget cycle through September 30. In general, a new appropriations bill is needed to allocate resources each year. If one can't be agreed upon by the major parties, or if a temporary funding agreement isn't achieved, there is the possibility of a government shutdown. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/2bc84468-5b56-4b19-be1e-437b0d6535e4/Fderal+Debt+to+GDP.jpg News + Notes - How Government Shutdowns Affect Markets and the Economy - Make it stand out This chart tracks the total and net federal debt as a percentage of GDP. Net federal debt excludes federal debt that is held within the government. The blue dotted line denotes the 50-year average net debt. The red dotted line denotes the 100% of GDP mark. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/d740cf46-567d-4611-823a-f6a57d5be296/Economic+Policy+Uncertainty.jpg News + Notes - How Government Shutdowns Affect Markets and the Economy - Make it stand out The Economic Policy Uncertainty (EPU) Index quantifies the level of uncertainty related to economic policy decisions. Developed by economists Scott Baker, Nicholas Bloom, and Steven Davis, this index is standardized to a value of 100, representing the average policy uncertainty level observed from 1985 to 2009. The EPU Index methodology integrates three key components: news coverage analysis that counts policy uncertainty mentions in major newspapers; data on future tax code provision expirations that reflects tax environment uncertainty; and measurements of disagreement among professional economic forecasters regarding future inflation and government spending. These components are weighted to create a composite score where higher values indicate elevated policy uncertainty. https://rainerwm.com/news/2025/9/22/how-to-navigate-fears-of-a-market-bubble-9897b-f3ttt monthly 0.5 2025-09-29 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/a1cf9fee-8922-46bd-8f75-f87b8f901dd0/The+Shiller+P%3AE+Ratio.jpg News + Notes - How to Navigate Fears of a Market Bubble - Make it stand out This chart shows the next twelve months earnings growth and P/E ratios by size and style. Growth estimates are denoted by the bars. The diamonds show the next twelve-months P/E ratio. The levels are noted above the sector labels. Large, mid, and small caps are the S&P 500, S&P 600, and S&P 400, respectively. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/2605ae51-3d38-407f-ac91-1df6c9927303/Size+and+Style+Earnings+and+Valuations.jpg News + Notes - How to Navigate Fears of a Market Bubble - Make it stand out This chart shows the next twelve months earnings growth and P/E ratios by size and style. Growth estimates are denoted by the bars. The diamonds show the next twelve-months P/E ratio. The levels are noted above the sector labels. Large, mid, and small caps are the S&P 500, S&P 600, and S&P 400, respectively. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/30c0c934-87c2-40c7-884e-9d951b7778a4/Stocks+Since+the+Great+Depression.jpg News + Notes - How to Navigate Fears of a Market Bubble - Make it stand out This chart tracks the S&P 500 price index using a logarithmic scale. On this log scale the Y-axis labels increase by a factor of two, so each step along the axis is a doubling of the index value. This provides a better depiction of growth rates than linear price levels which would be dominated by more recent activity. https://rainerwm.com/news/2025/9/18/special-update-what-the-fed-rate-cut-means-for-long-term-investors-fwn7t monthly 0.5 2025-09-26 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/46a80fca-fea5-4aae-8c23-810b6271f37e/Federal+Funds+Rate.jpg News + Notes - Special Update: What the Fed Rate Cut Means for Long-Term Investors - Make it stand out This chart tracks the Federal Funds Rate lower limit. The dotted lines indicate the Federal Open Market Committee's (FOMC) participants' median assessments of appropriate path for the Federal Funds Rate, based on the Summary of Economic Projections. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/e1ba99c6-cab4-4699-8f3b-8697e3870f60/Annual+Payroll+Revisions.jpg News + Notes - Special Update: What the Fed Rate Cut Means for Long-Term Investors - Make it stand out This chart shows the Bureau of Labor Statistics' annual benchmark revisions to nonfarm payroll employment data, which adjust the preliminary monthly job counts based on more comprehensive data from employers. These benchmark revisions are typically released each February, covering the 12-month period up the March of the previous year. https://rainerwm.com/news/2025/9/15/the-role-of-dividends-as-the-fed-cuts-rates monthly 0.5 2025-09-18 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/625bb666-bd07-405c-9702-d0b4d1908f2c/Dividend+Yields+by+Sector.jpg News + Notes - The Role of Dividends as the Fed Cuts Rates - Make it stand out This charts shows dividend yield estimates over the next twelve months based on consensus analyst estimates. Sectors are based on GICS sector classifications for S&P 500 companies. Averages are calculated over the prior ten years. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/33f057e0-00b2-48ed-a279-2f8cdd5ff87e/Stock+Market+Earnings+Yield.jpg News + Notes - The Role of Dividends as the Fed Cuts Rates - Make it stand out This chart shows the S&P 500 earnings yield and earnings yield less the 10-year treasury yield. The earnings yield is defined as earnings divided by price where earnings are 12-month forward projections, or the inverse of the price-to-earnings ratio. Averages are denoted by dotted lines. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/f3bbe800-047b-49a7-b52e-6af31f0a848d/Growth+of+1+dollar+since+1926.jpg News + Notes - The Role of Dividends as the Fed Cuts Rates - Make it stand out This chart shows the growth of $1 since 1926 in the Standard and Poor's Composite and 10-year U.S. Treasury bonds. Stock returns include dividend reinvestment. The inflation line shows the number of dollars over time to equal $1 in spending in 1926, accoring to the Bureau of Labor Statistics Consumer Price Index. This chart uses a logarithmic scale. https://rainerwm.com/news/2025/9/11/how-the-great-wealth-transfer-creates-financial-planning-opportunities monthly 0.5 2025-09-15 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/504e1074-7b29-4007-8ebd-e54b52d0ae9f/Generational+Wealth.jpg News + Notes - How the Great Wealth Transfer Creates Financial Planning Opportunities - Make it stand out This chart shows the total net worth of each adult generation according to the Federal Reserve's calculations. These are based on the Fed's Distribution of Financial Accounts data which utilizes the Z.1 report, Survey of Consumer Finances, and Survey of Household Economics and Decisionmaking. The Silent Generation includes those born before 1946, the Baby Boomers between 1946 and 1964, Gen X between 1965 and 1980, and Millenials after 1981. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/68b0cb64-8efa-4a7e-8611-5839ade352bf/Generational+Wealth+by+Assets+and+Liabilities.jpg News + Notes - How the Great Wealth Transfer Creates Financial Planning Opportunities - Make it stand out This chart shows the total net worth of each adult generation according to the Federal Reserve's calculations. These are based on the Fed's Distribution of Financial Accounts data which utilizes the Z.1 report, Survey of Consumer Finances, and Survey of Household Economics and Decisionmaking. The Silent Generation includes those born before 1946, the Baby Boomers between 1946 and 1964, Gen X between 1965 and 1980, and Millenials after 1981. https://rainerwm.com/news/2025/9/8/key-perspectives-on-jobs-and-mixed-economic-signals-znkwz monthly 0.5 2025-09-15 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/bb413345-9877-49d9-b7f4-8b27f44535a8/Payroll+Gains.jpg News + Notes - Key Perspectives on Jobs and Mixed Economic Signals - Make it stand out This chart shows the monthly change in nonfarm payrolls employment gains from the Establishment Survey. The changes are seasonally adjusted. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/abfa9c1a-1b1c-4d37-bb99-745141c69196/Consumer+Debt+Deliquency+Rates.jpg News + Notes - Key Perspectives on Jobs and Mixed Economic Signals - Make it stand out This chart shows the percentage of accounts that are newly 30+ and 90+ days delinquent for credit cards and auto loans. This data is compiled by the Federal Reserve Bank of New York based on its Consumer Credit Panel and data from Equifax. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/301747b9-2c31-410c-b63f-6e89c2803472/Household+Net+Worth.jpg News + Notes - Key Perspectives on Jobs and Mixed Economic Signals - Make it stand out This chart shows the total net worth of households and nonprofits as reported by the Federal Reserve's Z1 report of U.S. financial accounts. https://rainerwm.com/news/2025/9/3/monthly-market-update-for-august-markets-climb-on-fed-expectations-and-earnings-growth-f3mak monthly 0.5 2025-09-08 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/c14971a4-4199-4bf9-9354-3efc6a55b38f/Sector+Earnings+and+Valuations.jpg News + Notes - Monthly Market Update for August: Markets Climb on Fed Expectations and Earnings Growth - Make it stand out This chart shows the next twelve months earnings growth and P/E ratios for each S&P 500 sector. Sectors are ordered from highest earnings per share growth estimate, denoted by the bars. The black triangles show the next twelve-months P/E ratio. The levels are noted above the sector labels. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/ebc92f6e-4167-4e98-a6cd-731416b492cd/Payrolls+Moving+Average.jpg News + Notes - Monthly Market Update for August: Markets Climb on Fed Expectations and Earnings Growth - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/99a86920-bb30-4484-8d7d-d93eb279c769/Traditional+Sources+of+Bond+Yield.jpg News + Notes - Monthly Market Update for August: Markets Climb on Fed Expectations and Earnings Growth - Make it stand out This chart shows several traditional souces of bond yield. Blue bars denote the latest yield to worst and gold diamonds indicate the yield to worst average daily average since 2009. Treasuries are represented by the Bloomberg U.S. Treasury Index, U.S. Agg by the Bloomberg U.S. Aggregate Index, MBS by the U.S. MBS Index, Investment Grade by the U.S. Corporate Investment Grade Index, and High Yield by the U.S. Corporate High Yield Index. https://rainerwm.com/news/2025/8/25/how-investors-can-keep-up-with-inflation-ensmk-8wr7z monthly 0.5 2025-08-28 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/6eee8595-97d6-4215-b9c6-8684144d0754/Corporate+Bond+Yield+Credit+Cycles.jpg News + Notes - Fed Rate Cuts: What Is the Bond Market Signaling to Investors? - Make it stand out This chart shows the corporate bond yields by rating. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/eb66a922-be91-486e-8e03-072948b595ec/Bond+Market+Volatility.jpg News + Notes - Fed Rate Cuts: What Is the Bond Market Signaling to Investors? - Make it stand out This chart shows the ICE BofA MOVE Index which measures the implied volatility of U.S. Treasurys. It tracks options on Treasury securities across maturities, using a weighted average of normalized implied volatilities across the yield curve. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/9bb05b8f-51e9-4d06-b08f-ffe983f72121/Fixed+Income+Performance.jpg News + Notes - Fed Rate Cuts: What Is the Bond Market Signaling to Investors? - Make it stand out This chart shows sector total returns sorted from best to worst each year. Fixed income sectors included are Bloomberg U.S. Aggregate Bond Index, Bloomberg EM USD Aggregate Index, Bloomberg U.S. Corporate High Yield Index, Bloomberg Municipal Bond Index, Bloomberg U.S. Treasury Inflation Notes Index, Bloomberg U.S. Corporate Index, Bloomberg U.S. Treasury Index, Bloomberg U.S. Treasury, Bloomberg U.S. Mortgage Backed Securities Index, and Bloomberg EM Local Currency Government Index. https://rainerwm.com/news/2025/8/20/how-investors-can-keep-up-with-inflation-b5f7k monthly 0.5 2025-08-22 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/fa401a4c-48ea-4dac-afb7-e200552c2a93/Growth+of+%241+since+1926.jpg News + Notes - How Investors Can Keep Up with Inflation - Make it stand out This chart shows the growth of $1 since 1926 in the Standard and Poor's Composite and 10-year U.S. Treasury bonds. Stock returns include dividend reinvestment. The inflation line shows the number of dollars over time to equal $1 in spending in 1926, accoring to the Bureau of Labor Statistics Consumer Price Index. This chart uses a logarithmic scale. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/53ab6750-f830-4a51-a413-aa784b45d571/Inflation+Measures+Current.jpg News + Notes - How Investors Can Keep Up with Inflation - Make it stand out This chart shows the current level, trough, and peak of year-over-year inflation for various U.S. price indices. Blue diamonds and orange crosses in each column show the peak and trough of year-over-year inflation respectively. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/0cfbf2fb-1fb6-4208-9860-f8ecb0bd0a76/Interest+Income+on+Cash.jpg News + Notes - How Investors Can Keep Up with Inflation - Make it stand out This chart shows the income earned over time from $100,000 invested in 6-month Certificates of Deposit and the value adjusted for inflation. Real income after inflation is adjusted by the Consumer Price Index. The dotted line denotes the average income over the period. https://rainerwm.com/news/2025/8/12/the-magnificent-7-ai-and-concentration-risk-at3s5 monthly 0.5 2025-08-21 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/ed038544-cd00-4ca0-a776-481fc2e01154/Stock+Market+Technological+Innovations+Chart.jpg News + Notes - The Magnificent 7, AI, and Concentration Risk - Make it stand out This chart tracks the S&P 500 price index using a logarithmic scale. On this log scale the Y-axis labels increase by a factor of two, so each step along the axis is a doubling of the index value. This provides a better depiction of growth rates than linear price levels which would be dominated by more recent activity. Select innovations have been labeled. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/e654d484-d03d-48e1-9bd2-1d1d19a59dd2/Magnificent+7+Performance+Chart.jpg News + Notes - The Magnificent 7, AI, and Concentration Risk - Make it stand out This chart tracks the price returns of the S&P 500 market and equal weight indices, Nasdaq Composite, Dow Jones Industrial Average, and Magnificent 7 price returns since 2020. The Magnificent 7 is a simple equal-weighted average of price returns for Meta, Amazon, Apple, Alphabet, Nvidia, Microsoft, and Tesla. Returns are indexed to 100 at the start of the period. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/a9218d89-6efd-4ea7-8263-3f98ab564f01/SandP+EQual+Weight+Historical+Performance+Chart.jpg News + Notes - The Magnificent 7, AI, and Concentration Risk - Make it stand out This chart shows the price returns for the S&P 500, the equal-weighted S&P 500, and their difference. Annualized returns are labeled for each series. The standard S&P 500 is weighted by market cap. https://rainerwm.com/news/2025/8/5/how-reliable-is-government-data-creating-a-balanced-economic-picture monthly 0.5 2025-08-14 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/5b845b12-9189-4e04-9c20-1102ba497ebf/Payrolls+Moving+Average.jpg News + Notes - How Reliable is Government Data? Creating a Balanced Economic Picture - Make it stand out Monthly change in non-farm payrolls and 3-month moving average https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/b7ac9f72-d731-4553-b864-b43a3c402bab/Econmic+Updates.jpg News + Notes - How Reliable is Government Data? Creating a Balanced Economic Picture - Make it stand out Economic metrics and interest rates, actuals and forecasts https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/575343c8-6cb3-4ba3-bc9f-302d233fa048/Inflation+Measures.jpg News + Notes - How Reliable is Government Data? Creating a Balanced Economic Picture - Make it stand out This chart shows the current level, trough, and peak of year-over-year inflation for various U.S. price indices. Blue diamonds and orange crosses in each column show the peak and trough of year-over-year inflation respectively. https://rainerwm.com/news/2025/8/5/monthly-market-update-for-july-market-all-time-highs-amid-a-noisy-period monthly 0.5 2025-08-14 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/8bce5043-5d6a-4889-92c4-99c8365b1974/Stock+Market+All-Time+Highs.jpg News + Notes - Monthly Market Update for July: Market All-Time Highs Amid a Noisy Period - Make it stand out This chart shows reciprocal tariff rates announced by the White House on April 2, 2025. These reciprocal tariffs are on top of previously announced tariffs. This chart also shows the current level of total tariffs set by the U.S. on each country. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/da9aaeb4-f31f-4209-9b0b-9d91af841a09/US+Tariff+Rates+and+Trade+Wars.jpg News + Notes - Monthly Market Update for July: Market All-Time Highs Amid a Noisy Period - Make it stand out This chart shows reciprocal tariff rates announced by the White House on April 2, 2025. These reciprocal tariffs are on top of previously announced tariffs. This chart also shows the current level of total tariffs set by the U.S. on each country. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/ffd1e5e7-1560-4203-9a3c-0eb148127c08/US+Individual+Income+Tax+Rates.jpg News + Notes - Monthly Market Update for July: Market All-Time Highs Amid a Noisy Period - Make it stand out This chart tracks the highest and lowest federal income tax rate. The blue dotted line denotes the highest rate average over the period. https://rainerwm.com/news/2025/7/28/what-corporate-earnings-reveal-about-tariffs-ah43n monthly 0.5 2025-08-05 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/d7c1ddbb-755a-4af0-83c3-0bab006789fe/Sector+Earnings+Chart.jpg News + Notes - What Corporate Earnings Reveal About Tariffs - Make it stand out This chart shows the next twelve months earnings growth and P/E ratios for each S&P 500 sector. Sectors are ordered from highest earnings per share growth estimate, denoted by the bars. The black triangles show the next twelve-months P/E ratio. The levels are noted above the sector labels. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/fefeb0a3-3ef8-4638-91e6-1d3a33848e75/Stock+Market+All+Time+High+Chart.jpg News + Notes - What Corporate Earnings Reveal About Tariffs - Make it stand out This chart shows the number of times that the S&P 500 price index has reached an all-time high within each calendar year overlayed with the S&P 500 price index. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/83817842-d4d1-46ce-8850-b4f24e5d1b1c/The+Stock+Market+and+Earnings+Chart.jpg News + Notes - What Corporate Earnings Reveal About Tariffs - Make it stand out This chart shows the S&P 500 trailing 12-month earnings-per-share alongside the S&P 500 price index. https://rainerwm.com/news/2025/7/22/the-fed-and-politics-what-investors-should-know-et89p monthly 0.5 2025-07-28 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/599421d5-edf5-4093-8228-da13c4004e1b/The+Economy+and+Fed+Chairs.jpg News + Notes - The Fed and Politics: What Investors Should Know - Make it stand out This chart shows the level of real GDP (chained 2017 dollars) since 1948. Each Fed chair is labeled along with the years of their term. Each area is colored based on the political party of the president that nominated them. Recessions are shaded based on NBER dates. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/f6826d81-7e63-471f-8aee-25d909f696a5/GDP%2C+Money+Supply+and+Velocity.jpg News + Notes - The Fed and Politics: What Investors Should Know - Make it stand out This chart shows the level of nominal GDP, the M2 money supply, and money velocity. M2 consists of currency in circulation, demand deposits at commercial banks, OCDs, savings deposits, small-denomination time deposits less individual retirement accounts and Keogh balances at MMFs. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/c337f7de-6a8a-4814-a278-9ec8bc11d3f0/Federal+Funds+Rate.jpg News + Notes - The Fed and Politics: What Investors Should Know - Make it stand out This chart tracks the Federal Funds Rate lower limit. The dotted lines indicate the Federal Open Market Committee's (FOMC) participants' median assessments of appropriate path for the Federal Funds Rate, based on the Summary of Economic Projections. https://rainerwm.com/news/2025/7/17/the-role-of-social-security-in-financial-planning-mn4mr monthly 0.5 2025-07-28 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/4af59276-4323-4d97-8986-31b9bd6b48b5/US+Population+Pyramid.jpg News + Notes - The Role of Social Security in Financial Planning - Make it stand out This chart shows the distribution of U.S. resident population by selected age groups as provided by the U.S. Census Bureau National Population by Characteristics data. Each bar represents the number of individuals within the age group as a percent of total population. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/9c6e9c31-701a-48b5-be64-f8df528bbc62/US+LIfe+Expectancy.jpg News + Notes - The Role of Social Security in Financial Planning - Make it stand out This chart shows life expectancy for males and females as reported in the most recent Social Security Trustees Report. Average life expectancies are displayed as reported. 90th percentiles of life expectancy are calculated from mortality probabilities. Life expectancies are calculated using the most recent mortality rates over the course of his or her remaining life. https://rainerwm.com/news/2025/7/17/bitcoin-copper-gold-and-silver-a-portfolio-perspective-2egsj monthly 0.5 2025-07-18 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/d10ffb98-b727-4e29-b1a3-4bb3b4548be5/Bitcoin+and+the+Stock+Market.jpg News + Notes - Bitcoin, Copper, Gold, and Silver: A Portfolio Perspective - Make it stand out This chart tracks the price of Bitcoin in dollars on the left axis (blue) and the index value of the S&P 500 on the right axis (gold). https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/211f8724-672d-4798-aaba-5692f0540044/Economically+Important+Commodities.jpg News + Notes - Bitcoin, Copper, Gold, and Silver: A Portfolio Perspective - Make it stand out This chart tracks the price of West Texas Intermediate (WTI) oil, corn, copper and lumber since January of 2020. Prices are re-indexed to 100 ar the start of the period. Current price in dollars is shown at the end of each series. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/47c4c530-9914-4c32-ae92-48b1cb27a393/Gold+and+the+Stock+Market.jpg News + Notes - Bitcoin, Copper, Gold, and Silver: A Portfolio Perspective - Make it stand out This chart shows the S&P 500 total return and gold returns since the cycle peak in 2007. Returns are reindexed to the cycle peak in 2007. https://rainerwm.com/news/2025/7/16/what-the-one-big-beautiful-bill-means-for-investors-l8b9a monthly 0.5 2025-07-17 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/b6a6c757-a177-4531-8e11-d079b870aef5/US+Individual+Income+Tax+Rates+Chart.jpg News + Notes - What the "One Big Beautiful Bill" Means for Investors - Make it stand out This chart tracks the highest and lowest federal income tax rate. The blue dotted line denotes the highest rate average over the period. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/849d4dda-8952-453e-ab60-a10c755425dc/US+Tax+Revenue+Sources+Chart.jpg News + Notes - What the "One Big Beautiful Bill" Means for Investors - Make it stand out This chart shows the percentage share of federal tax receipts by source since 1950. Percentage shares may not add to 100% due to rounding. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/18ae2cbe-6673-4f8f-b7cd-695e95ef84b2/US+Estate+Tax+Exemption+and+Rate+Chart.jpg News + Notes - What the "One Big Beautiful Bill" Means for Investors - Make it stand out This chart shows the federal estate tax exemption levels each year alongside the tax rate applicable for amounts above these thresholds. https://rainerwm.com/news/2025/7/1/quarterly-market-update-for-q2-2025-tariffs-geopolitics-and-all-time-highs-4ryps monthly 0.5 2025-07-08 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/f03acf57-3b36-469d-b9a0-deaae60a8f81/Stock+and+Bond+Annual+Returns+Chart.jpg News + Notes - Quarterly Market Update for Q2 2025: Tariffs, Geopolitics, and All-Time Highs - Make it stand out This chart shows annual returns for the S&P 500 and Bloomberg U.S. Aggregate total returns. The blue bars are S&P 500 returns while the gold are Bloomberg U.S. Aggregate returns. The blue and gold dotted lines denote their respective averages. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/8fca7726-f1d4-43c3-88cd-1618749ad4c4/Major+Currencies+Chart.jpg News + Notes - Quarterly Market Update for Q2 2025: Tariffs, Geopolitics, and All-Time Highs - Make it stand out This chart tracks the performance of several major currencies over the past 24 months. The value of each currency is reindexed to 100 at the start of the period. The number at the end of the series shows the value, not reindexed. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/0954bde7-4773-46aa-8be2-f83350753fad/Fixed+Income+Sector+Chart.jpg News + Notes - Quarterly Market Update for Q2 2025: Tariffs, Geopolitics, and All-Time Highs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2025/6/23/5-key-investor-insights-for-the-second-half-of-2025-1-mf692 monthly 0.5 2025-07-28 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/d086a55f-43a1-4164-a9a4-975f524b54ff/Stock+Market+Quarterly+Performance+Chart.jpg News + Notes - 5 Key Investor Insights for the Second Half of 2025 - Make it stand out This chart shows the ranked total quarterly returns for the S&P 500. Each bar represents one quarter. The quarters are ranked by returns from worst to best going from left to right. Recent quarters and their returns are highlighted. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/05b99a93-538c-4e25-89aa-f6e7d4585b2c/Wars+and+the+Stock+Market+Chart+2.jpg News + Notes - 5 Key Investor Insights for the Second Half of 2025 - Make it stand out This chart shows S&P 500 price returns just before and over the one, five, and ten years following each war. Start dates are based on the initial event, when the conflict escalated, or when the U.S. became actively involved. The exact timing of the one, five, and ten year dates is approximate based on trading days over the period and the exact starting market date. Note that these figures may change slightly as the methodology is updated. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/b49ac845-38af-411f-8753-6996d5300d6e/Inflation+Measures+Chart.jpg News + Notes - 5 Key Investor Insights for the Second Half of 2025 - Make it stand out This chart shows the current level, trough, and peak of year-over-year inflation for various U.S. price indices. Blue diamonds and orange crosses in each column show the peak and trough of year-over-year inflation respectively. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/3fe37858-147d-4bb8-b877-a8ca73250493/Asset+Class+Performance+Year+to+date+Chart.jpg News + Notes - 5 Key Investor Insights for the Second Half of 2025 - Make it stand out This chart shows total asset class returns year-to-date. Asset classes included are MSCI Emerging Markets Index (EM), MSCI Developed Markets Index (EAFE), MSCI World Small Cap Index (Small Cap), S&P 500, balanced portfolio, fixed income, and MSCI World Commodity Producers Index (comm.). The balanced portfolio is a historical 60/40 portfolio consisting of 40% U.S. large cap, 5% small cap, 10% international developed equities, 5% emerging market equities, 35% U.S. bonds, and 5% commodities. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/d9984006-b5d2-46d2-8405-43a48fe3c014/Historical+Stock+and+Bond+Return+Ranges+Chart.jpg News + Notes - 5 Key Investor Insights for the Second Half of 2025 - Make it stand out This chart shows the historical annual return ranges of the S&P Composite index, bonds, and asset allocations of these assets. The bond index is represented by 10-year U.S. Treasury bonds prior to 1976 and the Bloomberg U.S. Aggregate Bond Index from 1976 to the present. Each bar shows the min, max, and average annual returns over each stated time period, for each asset or portfolio. These are calculated using underlying monthly total returns. Periods longer than a year show annual returns based on their geometric means. *Note that this chart's methodology changed on April 8, 2025 - previously, the bond calculations showed the historical return ranges of a buy-and-hold approach for 10-year U.S. Treasury bonds. https://rainerwm.com/news/2025/6/16/the-middle-east-conflict-how-wars-impact-investors-2dfn4 monthly 0.5 2025-06-26 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/988d2b4d-00e2-4af7-8b97-874990b76edd/Geopolitical+Events+and+Stocks+Chart.jpg News + Notes - The Middle East Conflict: How Wars Impact Investors - Make it stand out This chart tracks the S&P 500 price returns around major geopolitical events. S&P 500 total returns are reindexed to 100 at the time of the event and the x axis shows the number of days relative to the event. 3-month, 6-month, and 1-year returns are shown alongside the selected events. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/33ffc117-96a4-4958-b749-2f5497ed9c98/Global+Oil+Prices+Chart.jpg News + Notes - The Middle East Conflict: How Wars Impact Investors - Make it stand out This chart tracks the price of West Texas Intermediate (WTI) and Brent Crude oil prices over time. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/949f2ea0-5e65-48d5-b215-bb4a691ed241/Wars+and+The+Stock+Market+chart.jpg News + Notes - The Middle East Conflict: How Wars Impact Investors - Make it stand out This chart shows S&P 500 price returns just before and over the one, five, and ten years following each war. Start dates are based on the initial event, when the conflict escalated, or when the U.S. became actively involved. The exact timing of the one, five, and ten year dates is approximate based on trading days over the period and the exact starting market date. Note that these figures may change slightly as the methodology is updated. https://rainerwm.com/news/2025/6/10/how-a-weakening-dollar-affects-long-term-investors-566sn monthly 0.5 2025-06-20 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/d603c40d-c077-4e68-8c62-f3b86ba74d22/US+Dollar+Chart.jpg News + Notes - How a Weakening Dollar Affects Long-Term Investors - Make it stand out This chart tracks the strength of the U.S. dollar using the DXY dollar index and the trade-weighted dollar index. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/c6e19aef-79db-4953-8764-47826df88c64/US+Trade+Balance+by+Country+Chart.jpg News + Notes - How a Weakening Dollar Affects Long-Term Investors - Make it stand out This chart tracks the rolling 12-month average U.S. trade balance by country in billions of dollars. The shaded areas show the U.S. trade balance with China, Mexico, Europe, and the rest of the world. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/b8bfde39-2566-4f6e-a524-04e1b5918dba/Asset+Class+Performance+YTD+Chart.jpg News + Notes - How a Weakening Dollar Affects Long-Term Investors - Make it stand out This chart shows total asset class returns year-to-date. Asset classes included are MSCI Emerging Markets Index (EM), MSCI Developed Markets Index (EAFE), MSCI World Small Cap Index (Small Cap), S&P 500, balanced portfolio, fixed income, and MSCI World Commodity Producers Index (comm.). The balanced portfolio is a historical 60/40 portfolio consisting of 40% U.S. large cap, 5% small cap, 10% international developed equities, 5% emerging market equities, 35% U.S. bonds, and 5% commodities. https://rainerwm.com/news/2025/6/2/monthly-market-update-for-may-2025-a-positive-month-despite-us-debt-downgrade-6xjlx monthly 0.5 2025-06-12 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/7c5daa3c-897d-46ed-8a85-4524b9c2f02b/Federal+Debt+to+GDP+Chart.jpg News + Notes - Monthly Market Update for May 2025: A Positive Month Despite U.S. Debt Downgrade - Make it stand out This chart tracks the total and net federal debt as a percentage of GDP. Net federal debt excludes federal debt that is held within the government. The blue dotted line denotes the 50-year average net debt. The red dotted line denotes the 100% of GDP mark. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/8bd05dc8-fbbd-4a86-858a-244ccd511efa/Trade+Balance+by+Country+Chart.jpg News + Notes - Monthly Market Update for May 2025: A Positive Month Despite U.S. Debt Downgrade - Make it stand out This chart tracks the rolling 12-month average U.S. trade balance by country in billions of dollars. The shaded areas show the U.S. trade balance with China, Mexico, Europe, and the rest of the world. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/1011a019-ef96-4d2a-b468-4dabe1de3ad1/Stock+Market+and+Earnings+Chart.jpg News + Notes - Monthly Market Update for May 2025: A Positive Month Despite U.S. Debt Downgrade - Make it stand out This chart shows the S&P 500 trailing 12-month earnings-per-share alongside the S&P 500 price index. https://rainerwm.com/news/2025/5/27/beyond-the-sampp-500-opportunities-for-diversification-wzl4x monthly 0.5 2025-06-05 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/0d69c4e4-c6f2-4c6a-bcab-538cb4cd9bdd/Large+vs+Small+Cap+Chart.jpg News + Notes - Beyond the S&P 500: Opportunities for Diversification - Make it stand out This chart shows the price return performance of the S&P 500 representing large cap stocks, the Russell 2000 representing small cap stocks, and the spread between the two. The spread represents a compounded return and is not simply the arithmetic difference between the two indices at any given point in time. All series are indexed to 0 on the start date. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/2a3b71e2-1971-4f1b-ae19-f78bad2064e9/Global+Equity+Valuations+Chart.jpg News + Notes - Beyond the S&P 500: Opportunities for Diversification - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/86dd5e75-58ae-4bf3-871b-808d0bd55994/Asset+Classes+Relative+to+US+Stocks+Chart.jpg News + Notes - Beyond the S&P 500: Opportunities for Diversification - Make it stand out This chart shows the annual total returns for varying asset classes. Asset classes included are MSCI Emerging Markets Index (EM), MSCI Developed Markets Index (EAFE), MSCI World Small Cap Index (Small Cap), S&P 500, balanced portfolio, fixed income, and MSCI World Commodity Producers Index (comm.). The balanced portfolio is a historical 60/40 portfolio consisting of 40% U.S. large cap, 5% small cap, 10% international developed equities, 5% emerging market equities, 35% U.S. bonds, and 5% commodities. https://rainerwm.com/news/2025/5/19/what-debt-deficits-and-the-moodys-downgrade-mean-for-investors-b3nl6 monthly 0.5 2025-05-30 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/e290391a-f193-45e5-8c19-cf5a0642f961/Federal+Debt+to+GDP+Chart.jpg News + Notes - What Debt, Deficits, and the Moody’s Downgrade Mean for Investors - Make it stand out This chart tracks the total and net federal debt as a percentage of GDP. Net federal debt excludes federal debt that is held within the government. The blue dotted line denotes the 50-year average net debt. The red dotted line denotes the 100% of GDP mark. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/367bb192-6657-4cfa-95a8-3c263deb4a67/US+Individual+INcome+Tax+Rates+Chart.jpg News + Notes - What Debt, Deficits, and the Moody’s Downgrade Mean for Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/cd8bc689-03ce-43c0-86f3-c16d52bf0c3b/Federal+Budget+Deficit+to+GDP.jpg News + Notes - What Debt, Deficits, and the Moody’s Downgrade Mean for Investors - Make it stand out This chart shows the federal budget deficit as a percentage of GDP. The red bars show deficits and the blue bars show surpluses. The blue dotted line denotes the average surplus/deficit. https://rainerwm.com/news/2025/5/12/special-update-what-us-china-trade-progress-means-for-investors-7k4h5 monthly 0.5 2025-05-20 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/8d1736c0-67dd-4dab-af7c-09679d1dbd45/US+Tariffs+Rate+and+Trade+Wars+Chart.jpg News + Notes - Special Update: What U.S.-China Trade Progress Means for Investors - Make it stand out This chart shows reciprocal tariff rates announced by the White House on April 2, 2025. These reciprocal tariffs are on top of previously announced tariffs. This chart also shows the current level of total tariffs set by the U.S. on each country. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/6dcdc3bd-2da2-4f18-b5a1-d732d1484fed/GDP+Growth+Components+Over+Time+Chart.jpg News + Notes - Special Update: What U.S.-China Trade Progress Means for Investors - Make it stand out This chart shows quarterly GDP growth on a seasonally adjusted annual rate (SAAR) for the last four quarters. Growth is broken down into its percentage point contributions. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/1d74b6b4-4e08-4321-b423-eb20105fd50f/Market+Corrections+and+Recoveries+Chart.jpg News + Notes - Special Update: What U.S.-China Trade Progress Means for Investors - Make it stand out This chart shows every S&P 500 correction since World War II. Market corrections are defined as declines beyond 10% but less than 20% from the previous all time high. Declines of 20% or more are considered bear markets. The market bottom is reindexed to 100 and the x-axis measures days before and after the market bottom. https://rainerwm.com/news/2025/5/5/lessons-from-warren-buffett-for-todays-market-9zwag monthly 0.5 2025-05-12 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/d9230c5a-fcfb-4a3b-8b48-ff1e4cad24db/Stock+Market+Price+to+Earnings+Ratio+Chart.jpg News + Notes - Lessons from Warren Buffett for Today’s Market - Make it stand out This chart tracks the S&P 500 price to earnings ratio. Earnings estimates are forward estimates over the next twelve months. The dotted line denotes the average over the full period. This data is calculated weekly. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/2b2fee07-7a38-44a7-bf7d-625187041b80/The+Stock+Market+and+Earnings+Chart.jpg News + Notes - Lessons from Warren Buffett for Today’s Market - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/6e98cb0a-d1f1-4e63-b288-c2f8f326bec8/Dividends+Yield+by+Sector+Chart.jpg News + Notes - Lessons from Warren Buffett for Today’s Market - Make it stand out This charts shows dividend yield estimates over the next twelve months based on consensus analyst estimates. Sectors are based on GICS sector classifications for S&P 500 companies. Averages are calculated over the prior ten years. https://rainerwm.com/news/2025/4/28/understanding-consumer-debt-in-a-two-speed-economy-ble8s monthly 0.5 2025-05-06 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/40d7e4ef-8ec1-42c7-9164-7a8ea9049e00/Consumer+Debt+Delinquency+Rates+Chart.jpg News + Notes - Understanding Consumer Debt in a Two-Speed Economy - Make it stand out This chart shows the percentage of accounts that are newly 30+ and 90+ days delinquent for credit cards and auto loans. This data is compiled by the Federal Reserve Bank of New York based on its Consumer Credit Panel and data from Equifax. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/cc894138-0766-4843-b036-899e213c352d/Auto+Delinquincies+by+Credit+Score+Chart.jpg News + Notes - Understanding Consumer Debt in a Two-Speed Economy - Make it stand out This chart shows the percentage of auto loan accounts that are newly 30+ days delinquent, compared to the historical average over this time period. This data is based on analysis conducted by the Federal Reserve Bank of New York. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/dce301e0-0f54-4691-8591-6c1c424d962a/Household+Debt+Services+Chart.jpg News + Notes - Understanding Consumer Debt in a Two-Speed Economy - Make it stand out This chart shows the household and consumer debt service payments as a percent of disposable personal income. The household debt service is on the left axis and consumer debt service is on the right axis. The dotted blue line denotes the average household debt service percentage. https://rainerwm.com/news/2025/4/21/what-bond-volatility-and-the-battle-over-fed-policy-mean-for-investors-ca2cf monthly 0.5 2025-04-29 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/a64d34b0-3496-4145-8eb2-bd1636816e91/Bond+Market+Volatility+Chart.jpg News + Notes - What Bond Volatility and the Battle Over Fed Policy Mean for Investors - Make it stand out This chart shows the ICE BofA MOVE Index which measures the implied volatility of U.S. Treasurys. It tracks options on Treasury securities across maturities, using a weighted average of normalized implied volatilities across the yield curve. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/a3bfddd1-d04b-4251-9b5e-e8ddbc60ccd8/Fixed+Income+Performance+Chart.jpg News + Notes - What Bond Volatility and the Battle Over Fed Policy Mean for Investors - Make it stand out This chart shows sector total returns sorted from best to worst each year. Fixed income sectors included are Bloomberg U.S. Aggregate Bond Index, Bloomberg EM USD Aggregate Index, Bloomberg U.S. Corporate High Yield Index, Bloomberg Municipal Bond Index, Bloomberg U.S. Treasury Inflation Notes Index, Bloomberg U.S. Corporate Index, Bloomberg U.S. Treasury Index, Bloomberg U.S. Treasury, Bloomberg U.S. Mortgage Backed Securities Index, and Bloomberg EM Local Currency Government Index. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/44ec2cc5-711b-4348-a6d7-6730a0ed3cd6/Traditional+Sources+of+Bond+Yield+Chart.jpg News + Notes - What Bond Volatility and the Battle Over Fed Policy Mean for Investors - Make it stand out This chart shows several traditional souces of bond yield. Blue bars denote the latest yield to worst and gold diamonds indicate the yield to worst average daily average since 2009. Treasuries are represented by the Bloomberg U.S. Treasury Index, U.S. Agg by the Bloomberg U.S. Aggregate Index, MBS by the U.S. MBS Index, Investment Grade by the U.S. Corporate Investment Grade Index, and High Yield by the U.S. Corporate High Yield Index. https://rainerwm.com/news/2025/4/14/the-bigger-picture-on-us-and-china-tensions-c6at2 monthly 0.5 2025-04-23 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/d0e5e7a3-9d61-415c-ab94-04aef018074f/US+Trade+with+China+Chart.jpg News + Notes - The Bigger Picture on U.S. and China Tensions - Make it stand out This chart shows various measures of U.S. trade with China including the trade balance in goods, goods imports, goods exports, and the trade balance in goods and services. Trade measures for goods are measured on a visible alongside basis. All datapoints are quarterly and calculated on a four-quarter rolling basis. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/c148b30b-1351-4c66-b5a2-597847208395/Major+currencies+chart.jpg News + Notes - The Bigger Picture on U.S. and China Tensions - Make it stand out This chart tracks the performance of several major currencies over the past 24 months. The value of each currency is reindexed to 100 at the start of the period. The number at the end of the series shows the value, not reindexed. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/6e8d69c2-5d3f-4dff-b5e8-f2d8692c5fa5/Holders+of+US+Treasurys+Chart.jpg News + Notes - The Bigger Picture on U.S. and China Tensions - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2025/4/7/the-importance-of-offense-and-defense-in-challenging-markets-mhrar monthly 0.5 2025-04-30 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/2adfed5d-4a28-4fca-9802-ff7e89de5169/Historical+Stock+and+Bond+Returns+Chart.jpg News + Notes - The Importance of Offense and Defense in Challenging Markets - Make it stand out This chart shows the historical annual return ranges of the S&P Composite index, 10-year U.S. Treasury bonds, and asset allocations of these assets. Each bar shows the min, max, and average returns over each stated time period, for each asset or portfolio, based on monthly total returns. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/5809df50-42a2-473b-ad8f-fd385b27c76b/Volatility+and+Forward+Returns+Chart.jpg News + Notes - The Importance of Offense and Defense in Challenging Markets - Make it stand out This chart shows the CBOE VIX index, a measure of 30-day expected volatility of the U.S. stock market derived from S&P 500 call and put options. The chart also shows the one-year forward price return of the S&P 500 beginning on each date of the VIX index. Significant VIX levels and their forward returns are annotated. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/fcb6527b-0efc-42b6-9d60-e07747a6cfba/Stock+Market+Price+to+Earnings+Ratio+Chart.jpg News + Notes - The Importance of Offense and Defense in Challenging Markets - Make it stand out This chart tracks the S&P 500 price to earnings ratio. Earnings estimates are forward estimates over the next twelve months. The dotted line denotes the average over the full period. This data is calculated weekly. https://rainerwm.com/news/2025/3/31/navigating-tariff-uncertainty-and-ongoing-market-volatility-f5hsy monthly 0.5 2025-04-15 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/c61e4773-d812-4351-84ba-d1fd98bc3ad0/2025_3_31+Market+Corrections+and+Recoveries+Chart.jpg News + Notes - Navigating Tariff Uncertainty and Ongoing Market Volatility - Make it stand out This chart shows every S&P 500 correction since World War II. Market corrections are defined as declines beyond 10% but less than 20% from the previous all time high. Declines of 20% or more are considered bear markets. The market bottom is reindexed to 100 and the x-axis measures days before and after the market bottom. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/5fc9948f-365c-4374-b013-eec6ebb72f82/Staying+Invested+Missing+Extreme+Days+Chart.jpg News + Notes - Navigating Tariff Uncertainty and Ongoing Market Volatility - Make it stand out This chart shows the value of an initial investment of $1,000 using S&P 500 price returns before transaction costs under varying scenarios. Each scenario assumes that $1,000 was invested 25 years ago and remained fully invested or was moved to cash during the best and/or worst market days. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/498cd214-4373-42c6-bcff-8a17177a7b9a/Magnificent+7+Performance+chart.jpg News + Notes - Navigating Tariff Uncertainty and Ongoing Market Volatility - Make it stand out This chart tracks the price returns of the S&P 500 market and equal weight indices, Nasdaq Composite, Dow Jones Industrial Average, and Magnificent 7 price returns since 2020. The Magnificent 7 is a simple equal-weighted average of price returns for Meta, Amazon, Apple, Alphabet, Nvidia, Microsoft, and Tesla. Returns are indexed to 100 at the start of the period. https://rainerwm.com/news/2025/3/24/what-the-feds-rate-pause-means-for-long-term-investors-x6myj monthly 0.5 2025-04-07 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/93e33df9-4cb9-40c4-b300-b2eba1b30fbd/Historical+Interest+Rate+Cycles+Chart.jpg News + Notes - What the Fed’s Rate Pause Means for Long-Term Investors - Make it stand out This chart shows the 2-year and 10-year Treasury yields alongside the federal funds rate. Shading denotes National Bureau of Economic Research (NBER) recessions. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/f00248e7-e91f-4cb3-8691-b9875e44bf9f/Federal+Reserve+Dot+Plot+Chart.jpg News + Notes - What the Fed’s Rate Pause Means for Long-Term Investors - Make it stand out This chart shows the Federal Open Market Committee (FOMC) participant's assessment of the appropriate path for the Federal Funds Rate. Each dot represents a member of the FOMC and their assessment of appropriate Federal Funds Rate at each time period. The solid line shows the median projection. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/46c9effd-4b30-4b8b-a002-9f8cde8c0111/Interest+Income+on+Cash+Chart.jpg News + Notes - What the Fed’s Rate Pause Means for Long-Term Investors - Make it stand out This chart shows the income earned over time from $100,000 invested in 6-month Certificates of Deposit and the value adjusted for inflation. Real income after inflation is adjusted by the Consumer Price Index. The dotted line denotes the average income over the period. https://rainerwm.com/news/2025/3/17/perspectives-on-consumer-pessimism-and-economic-risk-kjtz5 monthly 0.5 2025-03-25 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/540b770a-339c-4352-87d8-9cc2c6cbfe60/Consumer+Sentiment+Chart.jpg News + Notes - Perspectives on Consumer Pessimism and Economic Risk - Make it stand out This chart reports three measures of consumer sentiment from the University of Michigan Surveys of Consumer Sentiment. The index of current economic conditions (ICC) is constructed from questions regarding individual's financial well being relative to a year ago and individuals perception timing of large purchases for their home such as an appliance. The index of current economic conditions (ICE) is derived from expectations for individual's financial situation in one year, expectations for the country as a whole in one year, and expectations for volatility in the next five years. The index of consumer sentiment is derived from all of the components of the ICC and the ICE. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/b5341a41-dea9-412c-a03d-644ba0cc2f98/Personal+Savings+Rate+Chart.jpg News + Notes - Perspectives on Consumer Pessimism and Economic Risk - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/ee6be39a-853d-4075-a3ef-f2d83713f063/Household+Network+Chart.jpg News + Notes - Perspectives on Consumer Pessimism and Economic Risk - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2025/3/13/the-importance-of-business-cycles-in-financial-planning-fp9e3 monthly 0.5 2025-03-24 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/ee190548-6529-4da1-9b29-a7a08136476d/US+Business+Cycles+Chart.jpg News + Notes - The Importance of Business Cycles in Financial Planning - Make it stand out This chart shows the progression of real GDP throughout U.S. business cycles since World War II. For each cycle, real GDP is reindexed to 100 at the prior cycle peak. Changes from 100 at the prior cycle peak can be interpreted as percentage changes. Note the 2020 recession and current cycle are included with the 2008 expansion for clarity. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/a0fc98b1-60ce-414e-abd6-c5aa760c5165/Stock+Market+Cycles+Chart.jpg News + Notes - The Importance of Business Cycles in Financial Planning - Make it stand out This chart tracks the S&P 500 price index. Annotations for select major events are included. https://rainerwm.com/news/2025/3/10/finding-perspective-amid-recession-fears-d8dxp monthly 0.5 2025-03-19 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/e64006dc-8d97-4341-b047-214cd981c196/Economic+Policy+Uncertanties+Chart.jpg News + Notes - Finding Perspective Amid Recession Fears - Make it stand out The Economic Policy Uncertainty (EPU) Index quantifies the level of uncertainty related to economic policy decisions. Developed by economists Scott Baker, Nicholas Bloom, and Steven Davis, this index is standardized to a value of 100, representing the average policy uncertainty level observed from 1985 to 2009. The EPU Index methodology integrates three key components: news coverage analysis that counts policy uncertainty mentions in major newspapers; data on future tax code provision expirations that reflects tax environment uncertainty; and measurements of disagreement among professional economic forecasters regarding future inflation and government spending. These components are weighted to create a composite score where higher values indicate elevated policy uncertainty. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/0ea8f949-ddbe-4ee9-b34c-0d51ea0eb4be/GDP+Growth+Components+Over+Time+Chart.jpg News + Notes - Finding Perspective Amid Recession Fears - Make it stand out This chart shows quarterly GDP growth on a seasonally adjusted annual rate (SAAR) for the last four quarters. Growth is broken down into its percentage point contributions. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/1f325e3f-9e1a-4561-b0e1-4c2c81cd0c16/Stock+Market+Pullbacks+Chart.jpg News + Notes - Finding Perspective Amid Recession Fears - Make it stand out This chart shows the number of pullbacks in the S&P 500 price index each year. A pullback is defined as a drop greater than or equal to 5% from a previous high. https://rainerwm.com/news/2025/3/4/special-update-trade-wars-and-market-risk-6wc2s monthly 0.5 2025-03-17 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/306195b7-c122-4699-bf78-36e2700f45bb/US+Trade+Balance+by+Country+Chart.jpg News + Notes - Special Update: Trade Wars and Market Risk - Make it stand out This chart tracks the rolling 12-month average U.S. trade balance by country in millions of dollars. The blue, gold, red, and green shaded areas show the U.S. trade balance with China, Mexico, Europe, and the rest of the world, respectively. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/31033d91-c4d6-4a50-ad9a-e6ea495c16a5/Total+Returns+and+Pullbacks+Chart.jpg News + Notes - Special Update: Trade Wars and Market Risk - Make it stand out This chart shows the annual returns and largest intra-year decline for the S&P 500 price index. The largest intra-year decline is measured as the steepest peak-to-trough decline for the index during the calendar year. https://rainerwm.com/news/2025/3/3/retirement-planning-beyond-the-4-rule-eleg4 monthly 0.5 2025-03-06 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/11d28d6e-ab4c-4475-b6e4-a5fb5d298830/Maximum+Withdrawal+Rates+Chart.jpg News + Notes - Retirement Planning Beyond the 4% Rule - Make it stand out This chart shows the 30-year safe withdrawal rates for a hypothetical 60% stock (S&P 500) and 40% bond (U.S. Agg) portfolio. The safe withdrawal rate is calculated as the inflation-adjusted maximum share of the initial portfolio that can be withdrawn at year end for each of the 30-years without the portfolio value dropping to zero. The portfolio is rebalanced annually at year end. The estimated bars, where a 30-year period of realized returns is not available, use as many years of real returns as is available to calculate the safe withdrawal rate. Missing periods are assumed to have a nominal 60/40 portfolio return of 10% and annual inflation of 3.5%. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/41805cba-f961-481a-9fc7-ffcab590d2ec/Sequence+of+Returns+Risk+Chart.jpg News + Notes - Retirement Planning Beyond the 4% Rule - Make it stand out This chart shows the path of four theoretical portfolios over a 30-year time period. Each portfolio is subject to a "bull" period of 27 years of 8.0% annual returns and a "bear" period of 3-years of -12% annual returns. Each portfolio averages 6% returns over the full period. The "Bull Market First" portfolios experience a bull period first followed by a downturn. The "Bear Market First" portfolios experience a "bear" downturn first followed by a "bull" period. The dotted lines show the path of the portfolio values without withdrawals. The solid lines show the path of the portfolio values with a fixed withdrawal rate of 5% of the initial investment per year spread evenly across each month. https://rainerwm.com/news/2025/3/3/monthly-market-update-for-february-2025-inflation-and-growth-concerns-xdk2l monthly 0.5 2025-03-10 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/1d2097fa-5000-4d0c-aa46-2fed3ebe3c80/Asset+Classes+Relative+to+US+Stocks+Chart.jpg News + Notes - Monthly Market Update for February 2025: Inflation and Growth Concerns - Make it stand out This chart shows the annual total returns for varying asset classes. Asset classes included are MSCI Emerging Markets Index (EM), MSCI Developed Markets Index (EAFE), MSCI World Small Cap Index (Small Cap), S&P 500, balanced portfolio, fixed income, and MSCI World Commodity Producers Index (comm.). The balanced portfolio is a historical 60/40 portfolio consisting of 40% U.S. large cap, 5% small cap, 10% international developed equities, 5% emerging market equities, 35% U.S. bonds, and 5% commodities. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/e5025761-1a9d-4837-b0f5-cad9105c43a0/Consumer+Inflation+Expectations+Chart.jpg News + Notes - Monthly Market Update for February 2025: Inflation and Growth Concerns - Make it stand out This chart shows two measures of inflation expectations from the University of Michigan Surveys of Consumer Sentiment. The blue line denotes the median expectation for year-over-year inflation over the next year. The gold line denotes the median expectation for year-over-year inflation over the next five years. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/2a3b97ac-84d4-4bb7-b4e2-e3e1f9f72aae/The+Stock+Market+and+Earnings+Chart.jpg News + Notes - Monthly Market Update for February 2025: Inflation and Growth Concerns - Make it stand out This chart shows the S&P 500 trailing 12-month earnings-per-share alongside the S&P 500 price index. https://rainerwm.com/news/2025/2/24/market-pessimism-and-the-importance-of-staying-invested-6smzt monthly 0.5 2025-03-06 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/37dcc4d1-1e5d-4a0b-a6cd-8db98b24dfe2/Investor+Sentiment+Chart.jpg News + Notes - Market Pessimism and the Importance of Staying Invested - Make it stand out This chart shows results from the American Association of Individual Investors (AAII) survey. The survey asks individual investors about their market optimism. Responses are limited to bearish, bullish, or neutral. This chart report the share of responses that are neutral and the share that are bullish minus the share that are bearish. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/cf5f14bb-bfe5-430f-ace7-138bd672487a/Porfolio+Risk+Reward+Chart.jpg News + Notes - Market Pessimism and the Importance of Staying Invested - Make it stand out This charts outlines portfolios of stocks and bonds composed of the S&P 500 and Bloomberg Aggregate Bond index. Blue bars represent the annualized returns of the portfolio, while gold bars represent the volatility. Volatility is represented by the standard deviation in value of the portfolio. The black dotted line shows the ratio of annual returns to volatility of each portfolio. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/0deefce0-5e2c-42c5-b44c-e0dfb27f25b6/Staying+Invested+Timing+the+Market+Chart.jpg News + Notes - Market Pessimism and the Importance of Staying Invested - Make it stand out This chart shows the value of an initial investment of $1,000 using S&P 500 price returns before transaction costs under varying scenarios. Each scenario assumes that $1,000 was invested in 2009 and remained fully invested or moved to cash for a period of time following each of the 20 worst days since 2009. If the periods out of the market overlap, the time out of the market is extended. https://rainerwm.com/news/2025/2/18/tech-sector-underperformance-and-concentration-risk-b6zcf-f8x47 monthly 0.5 2025-03-03 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/3387beb6-8126-46e9-a6cc-f2e98056eb19/Sector+Returns+Year+To+Date+chart.jpg News + Notes - Tech Sector Underperformance and Concentration Risk - Make it stand out This chart shows the S&P 500 sector price returns year-to-date. The bars show the year-to-date returns, the blue diamonds show the peak return year-to-date, and the orange x shows the trough return year-to-date. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/824196b2-4d5e-4e76-8668-0f0ff77bce14/S+and+P+500+Equal+Weight+Returns+Chart.jpg News + Notes - Tech Sector Underperformance and Concentration Risk - Make it stand out This chart shows the price returns for the S&P 500, the 50 largest stocks by market cap within the S&P 500, and the equal-weighted S&P 500. The standard S&P 500 is weighted by market cap. Returns do not include dividend reinvestment. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/43370fdc-9e66-438c-ac74-4c6223466e8a/S+and+P+Equal+Weight+Historical+Performance+Chart.jpg News + Notes - Tech Sector Underperformance and Concentration Risk - Make it stand out This chart shows the price returns for the S&P 500, the equal-weighted S&P 500, and their difference. Annualized returns are labeled for each series. The standard S&P 500 is weighted by market cap. https://rainerwm.com/news/2025/2/12/5-important-tax-considerations-for-your-financial-planning-af38z monthly 0.5 2025-02-20 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/4e2eac60-0a15-47df-b3c5-ee9f83970f9d/US+Tax+exemption+Rates+chart.jpg News + Notes - 5 Important Tax Considerations for Your Financial Planning - Make it stand out This chart shows the federal estate tax exemption levels each year alongside the tax rate applicable for amounts above these thresholds. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/8c98559e-ddd5-4ca4-9996-4c30b017d51b/US+Individual+Income+Tax+Rates+Chart.jpg News + Notes - 5 Important Tax Considerations for Your Financial Planning - Make it stand out This chart tracks the highest and lowest federal income tax rate. The blue dotted line denotes the highest rate average over the period. https://rainerwm.com/news/2025/2/10/what-tariffs-and-trade-wars-mean-for-long-term-investors-alyhy monthly 0.5 2025-02-11 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/6c6f4222-65af-440a-a1f0-20750dfff3e8/US+Trade+Balance+Chart.jpg News + Notes - What Tariffs and Trade Wars Mean for Long-Term Investors - Make it stand out This chart tracks the U.S. trade balance in billions of dollars. The trade balance is defined as the value of a country's exports less the value of their imports. The blue dotted line denotes the average trade balance over the period. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/ef7fbb30-a3bc-49af-99c2-9dbffc749a89/US+Tax+Revenue+Sources+Chart.jpg News + Notes - What Tariffs and Trade Wars Mean for Long-Term Investors - Make it stand out This chart shows the percentage share of federal tax receipts by source since 1950. Percentage shares may not add to 100% due to rounding. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/7c1b455c-1666-43e0-b2b3-ff6077b94212/Major+Currencies+Chart.jpg News + Notes - What Tariffs and Trade Wars Mean for Long-Term Investors - Make it stand out This chart tracks the performance of several major currencies over the past 24 months. The value of each currency is reindexed to 100 at the start of the period. The number at the end of the series shows the value, not reindexed. https://rainerwm.com/news/2025/2/3/monthly-market-update-january-2025 monthly 0.5 2025-02-11 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/9cba8053-12ae-436b-8dfb-f59d18249809/Sector+Returns+-+YTD.jpg News + Notes - Monthly Market Update - January 2025 - Make it stand out This chart shows the S&P 500 sector price returns year-to-date. The bars show the year-to-date returns, the blue diamonds show the peak return year-to-date, and the orange x shows the trough return year-to-date. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/c2891ef1-6296-4052-86c9-7d11fe625583/US+Trade+Balance+by+Country+Chart.jpg News + Notes - Monthly Market Update - January 2025 - Make it stand out This chart tracks the rolling 12-month average U.S. trade balance by country in millions of dollars. The blue, gold, red, and green shaded areas show the U.S. trade balance with China, Mexico, Europe, and the rest of the world, respectively. https://rainerwm.com/news/2025/1/28/special-update-what-the-deepseek-moment-means-for-investors-g2h9t monthly 0.5 2025-02-05 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/4c67d2ed-78ec-4610-9ec0-80033e04c190/Magnificent+7+Performance+Chart+2.jpg News + Notes - Special Update: What the DeepSeek Moment Means for Investors - Make it stand out This chart tracks the price returns of the S&P 500 market and equal weight indices, Nasdaq Composite, Dow Jones Industrial Average, and Magnificent 7 price returns since 2020. The Magnificent 7 is a simple equal-weighted average of price returns for Meta, Amazon, Apple, Alphabet, Nvidia, Microsoft, and Tesla. Returns are indexed to 100 at the start of the period. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/77de352d-b22d-4c84-b182-8240627462c4/Stock+Market+and+Technological+Innovations+Chart.jpg News + Notes - Special Update: What the DeepSeek Moment Means for Investors - Make it stand out This chart tracks the S&P 500 price index using a logarithmic scale. On this log scale the Y-axis labels increase by a factor of two, so each step along the axis is a doubling of the index value. This provides a better depiction of growth rates than linear price levels which would be dominated by more recent activity. Select innovations have been labeled. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/f000abb4-73c0-4496-9273-ebb2ce08e87d/Stock+Market+Valuations+Chart.jpg News + Notes - Special Update: What the DeepSeek Moment Means for Investors - Make it stand out This chart shows the following valuation metrics: price-to-earnings, price-to-book, price-to-sales, price-to-cashflow, and dividend yield. The y-axis for the figure is standard deviations relative to each metric's mean. This chart includes the value today, one year ago, and a box-and-whisker plot showing the range of standard deviations above or below mean since 2003. The box and whisker plot shows the median, 25th percentile and 75th percentile, and extreme upper and lower values. Points beyond the extreme values are marked as outliers. https://rainerwm.com/news/2025/1/27/why-bonds-present-opportunities-in-this-market-environment-lb8mg monthly 0.5 2025-01-29 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/43ee2d34-d183-4aa6-9259-296b67ba2073/Real+Interest+Rates+Chart.jpg News + Notes - Why Bonds Present Opportunities in This Market Environment - Make it stand out This chart shows the 10-year Treasury yield for the nominal and Treasury Inflation-Protected Security (TIPS). The dotted line denotes the average TIPS yield. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/671923b4-7660-4f69-9ae2-c076803e5039/Stock+Market+Earnings+Yield+Chart.jpg News + Notes - Why Bonds Present Opportunities in This Market Environment - Make it stand out This chart shows the S&P 500 earnings yield and earnings yield less the 10-year treasury yield. The earnings yield is defined as earnings divided by price where earnings are 12-month forward projections, or the inverse of the price-to-earnings ratio. Averages are denoted by dotted lines. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/f283ca37-f2e9-48d9-9ea6-3b76cc17d606/Traditional+Sources+of+Bond+Yield+Chart.jpg News + Notes - Why Bonds Present Opportunities in This Market Environment - Make it stand out This chart shows several traditional souces of bond yield. Blue bars denote the latest yield to worst and gold diamonds indicate the yield to worst average daily average since 2009. Treasuries are represented by the Bloomberg U.S. Treasury Index, U.S. Agg by the Bloomberg U.S. Aggregate Index, MBS by the U.S. MBS Index, Investment Grade by the U.S. Corporate Investment Grade Index, and High Yield by the U.S. Corporate High Yield Index. https://rainerwm.com/news/2025/1/21/7-ways-the-presidential-inauguration-affects-investors-5mkht monthly 0.5 2025-01-28 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/052605ea-0f82-4105-801e-db2bceec4872/US+Individual+and+Corporate+Tax+Rates+Chart.jpg News + Notes - 7 Ways the Presidential Inauguration Affects Investors - Make it stand out This chart tracks the highest marginal individual and corporate federal tax rates. Select changes in tax rates are labeled. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/94e504c3-3f74-45b2-80df-4668333f367f/US+Trade+Balance+by+Country+Chart.jpg News + Notes - 7 Ways the Presidential Inauguration Affects Investors - Make it stand out This chart tracks the rolling 12-month average U.S. trade balance by country in millions of dollars. The blue, gold, red, and green shaded areas show the U.S. trade balance with China, Mexico, Europe, and the rest of the world, respectively. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/166d75ff-b765-48d4-a108-b7a3c58f73fa/The+Economy+and+Presidencies+Chart.jpg News + Notes - 7 Ways the Presidential Inauguration Affects Investors - Make it stand out This chart tracks the level of real GDP (chained 2017 dollars) since 1947 when the BEA began publishing quarterly data. Presidents and their parties are labeled and highlighted by color. Recessions are shaded based on NBER dates. https://rainerwm.com/news/2025/1/13/market-perspectives-after-a-nervous-start-to-2025-e6ksg monthly 0.5 2025-01-22 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/609f46a1-0e63-4a15-9311-a208c06fe878/Total+Return+and+Pullbacks+Chart.jpg News + Notes - Market Perspectives After a Nervous Start to 2025 - Make it stand out This chart shows the annual returns and largest intra-year decline for the S&P 500 price index. The largest intra-year decline is measured as the steepest peak-to-trough decline for the index during the calendar year. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/4f5e93d1-b2e8-48fb-b686-a8af5a17c206/Magnificent+7+Performance+Chart.jpg News + Notes - Market Perspectives After a Nervous Start to 2025 - Make it stand out This chart tracks the price returns of the S&P 500 market and equal weight indices, Nasdaq Composite, Dow Jones Industrial Average, and Magnificent 7 price returns since 2020. The Magnificent 7 is a simple equal-weighted average of price returns for Meta, Amazon, Apple, Alphabet, Nvidia, Microsoft, and Tesla. Returns are indexed to 100 at the start of the period. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/28f815c1-d277-44d6-81df-7a82ef3f2de9/Stock+Market+Price+to+Earnings+Ratio+Chart.jpg News + Notes - Market Perspectives After a Nervous Start to 2025 - Make it stand out This chart tracks the S&P 500 price to earnings ratio. Earnings estimates are forward estimates over the next twelve months. The dotted line denotes the average over the full period. This data is calculated weekly. https://rainerwm.com/news/2025/1/6/3-financial-new-years-resolutions-for-2025-c4kca monthly 0.5 2025-01-16 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/4648b6e3-e2e2-41fc-a266-1184ca060166/The+Importantce+of+Saving+Early+Chart.jpg News + Notes - 3 Financial New Year’s Resolutions for 2025 - Make it stand out This chart shows the value of a $1,000 investment made at various ages by age 65. The value of the investment is shown on the y-axis and initial age the investment was made is shown on the x-axis. Investments are assumed to compound annually. The three lines represent compound annual rates of 3%, 5% and 7%. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/fae4b783-160f-4319-bc8b-aacd6399503c/Employer+Sponsored+Retirement+Plans+Chart.jpg News + Notes - 3 Financial New Year’s Resolutions for 2025 - Make it stand out This chart shows the number of active participants in defined benefit and defined contribution plans since 1975. The number of active participants in defined benefit plans, defined contribution plans, and total active participants are notated on the right. This does not include non-active participants who may be receiving benefits from each plan type. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/63accbb3-3d3c-478f-a019-b99d473a9065/US+Life+Expectancy+chart.jpg News + Notes - 3 Financial New Year’s Resolutions for 2025 - Make it stand out This chart shows life expectancy for males and females as reported in the most recent Social Security Trustees Report. Average life expectancies are displayed as reported. 90th percentiles of life expectancy are calculated from mortality probabilities. Life expectancies are calculated using the most recent mortality rates over the course of his or her remaining life. https://rainerwm.com/news/2024/12/16/how-behavioral-science-helps-us-avoid-financial-traps-xrjdj monthly 0.5 2025-01-10 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/df2e93e6-ef2f-4c4a-acbb-bb135357f6cb/The+Value+of+Staying+Invested+Chart.jpg News + Notes - How Behavioral Science Helps Us Avoid Financial Traps - Make it stand out This chart shows the value of a $100,000 investment in the MSCI ACWI throughout the financial crisis under three strategies. This chart shows the total return if the investment is held throughout, is moved to cash for 1 year at the trough of the market and then invested, or is moved to cash permanently at the trough of the market. Returns exclude dividend reinvestment. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/a231af7d-6a86-4f78-b7f6-07e5e4b24ab9/Staying+Invested+Timing+the+market+Chart.jpg News + Notes - How Behavioral Science Helps Us Avoid Financial Traps - Make it stand out This chart shows the value of an initial investment of $1,000 using S&P 500 price returns before transaction costs under varying scenarios. Each scenario assumes that $1,000 was invested 25 years ago and remained fully invested or moved to cash for a period of time following each day with a -2% or greater move. If the periods out of the market overlap, the time out of the market is extended. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/0a522cba-f99b-47f8-9572-ce50c3e4b382/Global+Equity+Valuations+Chart.jpg News + Notes - How Behavioral Science Helps Us Avoid Financial Traps - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2024/12/10/2025-market-outlook-5-insights-to-achieve-portfolio-balance-8c434 monthly 0.5 2024-12-18 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/23ded129-0be6-40c5-b3f1-19a8fc072d4f/Asset+Class+Performance+Chart.jpg News + Notes - 2025 Market Outlook: 5 Insights to Achieve Portfolio Balance - Make it stand out This chart shows the annual total returns for varying asset classes. Asset classes included are MSCI Emerging Markets Index (EM), MSCI Developed Markets Index (EAFE), MSCI World Small Cap Index (Small Cap), S&P 500, balanced portfolio, fixed income, and MSCI World Commodity Producers Index (comm.). The balanced portfolio is a historical 60/40 portfolio consisting of 40% U.S. large cap, 5% small cap, 10% international developed equities, 5% emerging market equities, 35% U.S. bonds, and 5% commodities. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/fae27d4b-62bd-4aa0-8a0c-44a0cde2fe3c/Stock+Market+Price+to+Earnings+Ratio+Chart.jpg News + Notes - 2025 Market Outlook: 5 Insights to Achieve Portfolio Balance - Make it stand out This chart tracks the S&P 500 price to earnings ratio. Earnings estimates are forward estimates over the next twelve months. The dotted line denotes the average over the full period. This data is calculated weekly. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/adc18f32-280e-4d2e-aa41-893a4308c967/Fed+Rate+Cut+Cycles+Chart.jpg News + Notes - 2025 Market Outlook: 5 Insights to Achieve Portfolio Balance - Make it stand out This chart shows Federal Reserve rate cut cycles. Each cycle is normalized to 0 at the beginning of the period for easy comparison. Prior to 1983, the monthly effective fed funds rate is used. For the 1983 cycle and onwards, the target lower bound is used. Each line is annotated with the year of the first rate cut. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/a52ac4c9-e15b-4127-aa8a-4670ff609ad3/US+Individual+and+Corp+Tax+Rates+Chart.jpg News + Notes - 2025 Market Outlook: 5 Insights to Achieve Portfolio Balance - Make it stand out This chart tracks the highest marginal individual and corporate federal tax rates. Select changes in tax rates are labeled. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/b263ddb4-1794-431a-a364-0a6c4d5b1815/Growth+of+1+dollar+Since+1926+Charyt.jpg News + Notes - 2025 Market Outlook: 5 Insights to Achieve Portfolio Balance - Make it stand out This chart shows the growth of $1 since 1926 in the Standard and Poor's Composite and 10-year U.S. Treasury bonds. Stock returns include dividend reinvestment. The inflation line shows the number of dollars over time to equal $1 in spending in 1926, accoring to the Bureau of Labor Statistics Consumer Price Index. This chart uses a logarithmic scale. https://rainerwm.com/news/2024/11/25/3-reasons-investors-can-be-thankful-this-holiday-season-e7898 monthly 0.5 2024-12-11 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/8ef679f0-9790-47a2-bdf4-1cb6b03eb250/Stock+Market+Quarterly+Performance+Chart.jpg News + Notes - 3 Reasons Investors Can Be Thankful This Holiday Season - Make it stand out This chart shows the ranked total quarterly returns for the S&P 500. Each bar represents one quarter. The quarters are ranked by returns from worst to best going from left to right. Recent quarters and their returns are highlighted. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/536ff696-3842-4326-9259-3510910d095e/Consumer+Price+Index+Chart.jpg News + Notes - 3 Reasons Investors Can Be Thankful This Holiday Season - Make it stand out This chart tracks the year-over-year changes in the Consumer Price Index (CPI) and the Consumer Price Index excluding food and energy prices (Core CPI). The CPI index measures the change in prices paid by consumers for goods and services. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/8f072b04-190b-48b1-b6da-2dba49887459/Total+jobs+Created+since+2000+Chart.jpg News + Notes - 3 Reasons Investors Can Be Thankful This Holiday Season - Make it stand out This chart tracks the seasonally adjusted cumulative payroll employment gain for non-farm payrolls. This chart is reindexed to zero in 2000. https://rainerwm.com/news/2024/11/18/how-the-36-trillion-national-debt-impacts-investors-lacr7 monthly 0.5 2024-11-27 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/c30a1a88-897d-4051-99c3-2f70c3f3d2c6/Federal+Debt+to+GDP+Chart.jpg News + Notes - How the $36 Trillion National Debt Impacts Investors - Make it stand out This chart tracks the total and net federal debt as a percentage of GDP. Net federal debt excludes federal debt that is held within the government. The blue dotted line denotes the 50-year average net debt. The red dotted line denotes the 100% of GDP mark. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/51b8346e-ef7d-4d1f-8148-f2c8ebc58422/Federal+Budget+Deficit+to+GDP+Chart.jpg News + Notes - How the $36 Trillion National Debt Impacts Investors - Make it stand out This chart shows the federal budget deficit as a percentage of GDP. The red bars show deficits and the blue bars show surpluses. The blue dotted line denotes the average surplus/deficit. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/29fc008d-ad1c-4c95-8a77-c999083ab4ea/Federal+Interest+Payments+Chart.jpg News + Notes - How the $36 Trillion National Debt Impacts Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2024/11/12/what-the-trump-trade-means-for-long-term-investors-c9lrt monthly 0.5 2024-11-19 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/dcb85d9d-304a-47ff-97fa-ddb7776a178a/Stock+Market+Valuations+Chart.jpg News + Notes - Understanding Market Changes After Elections: What It Means for Your Money - Make it stand out This chart shows the following valuation metrics: price-to-earnings, price-to-book, price-to-sales, price-to-cashflow, and dividend yield. The y-axis for the figure is standard deviations relative to each metric's mean. This chart includes the value today, one year ago, and a box-and-whisker plot showing the range of standard deviations above or below mean since 2003. The box and whisker plot shows the median, 25th percentile and 75th percentile, and extreme upper and lower values. Points beyond the extreme values are marked as outliers. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/6ccde385-5d64-4efc-a851-d5f26f847102/Valuations+and+Forward+Returns+Chart.jpg News + Notes - Understanding Market Changes After Elections: What It Means for Your Money - Make it stand out The scatter plot shows the S&P 500 forward price-to-earnings ratio and the subsequent 1-year and 10-year annualized returns for the S&P 500 price index. The implied 10-year return is based on an ordarinary least squares regression of forward returns against forward price-to-earnings ratios. R-squared values are displayed for each regression. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/7cb22bc0-91f2-474d-b052-45a0238d32a7/Asset+Class+Performance+Chart.jpg News + Notes - Understanding Market Changes After Elections: What It Means for Your Money - Make it stand out This chart shows the annual total returns for varying asset classes. Asset classes included are MSCI Emerging Markets Index (EM), MSCI Developed Markets Index (EAFE), MSCI World Small Cap Index (Small Cap), S&P 500, balanced portfolio, fixed income, and MSCI World Commodity Producers Index (comm.). The balanced portfolio is a historical 60/40 portfolio consisting of 40% U.S. large cap, 5% small cap, 10% international developed equities, 5% emerging market equities, 35% U.S. bonds, and 5% commodities. https://rainerwm.com/news/2024/11/6/special-update-president-trumps-election-victory-and-investing-2y9bs monthly 0.5 2024-11-12 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/6d168a4f-dd99-492a-a7c8-52107797a88a/Presidents+and+Stock+Market+Returns+Chart.jpg News + Notes - Special Update: The Election Results and Investing - Make it stand out This chart shows the S&P 500 annual price returns and their averages over presidential terms since 1933. Each bar represents one year of returns and is colored by presidential party. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/6a0e261d-942f-40a5-8b45-abc833f01d31/US+Individual+and+Corporate+Tax+Rates+Chart.jpg News + Notes - Special Update: The Election Results and Investing - Make it stand out This chart tracks the highest marginal individual and corporate federal tax rates. Select changes in tax rates are labeled. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/37dee2b9-5118-4e26-975f-8b493b1320b3/US+Trade+Balance+by+Country+Chart.jpg News + Notes - Special Update: The Election Results and Investing - Make it stand out This chart tracks the rolling 12-month average U.S. trade balance by country in millions of dollars. The blue, gold, red, and green shaded areas show the U.S. trade balance with China, Mexico, Europe, and the rest of the world, respectively. https://rainerwm.com/news/2024/11/4/why-interest-rates-are-defying-expectations-amid-fed-cuts-the-election-and-more-fskcn monthly 0.5 2024-11-12 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/5d85e248-5db6-43de-b29b-ebfe0b535fe0/GDP+Growth+Components+Over+Time+Chart.jpg News + Notes - Why Interest Rates Are Defying Expectations Amid Fed Cuts, the Election, and More - Make it stand out This chart shows quarterly GDP growth on a seasonally adjusted annual rate (SAAR) for the last four quarters. Growth is broken down into its percentage point contributions. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/cd2b0811-66b7-4e74-a81f-42919b5aded0/Total+Jobs+Created+Since+2000+Chart.jpg News + Notes - Why Interest Rates Are Defying Expectations Amid Fed Cuts, the Election, and More - Make it stand out This chart tracks the seasonally adjusted cumulative payroll employment gain for non-farm payrolls. This chart is reindexed to zero in 2000. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/a78c2a17-20cb-4d6f-850e-cee134532b36/Fixed+Income+Performance+Chart.jpg News + Notes - Why Interest Rates Are Defying Expectations Amid Fed Cuts, the Election, and More - Make it stand out This chart shows sector total returns sorted from best to worst each year. Fixed income sectors included are Bloomberg U.S. Aggregate Bond Index, Bloomberg EM USD Aggregate Index, Bloomberg U.S. Corporate High Yield Index, Bloomberg Municipal Bond Index, Bloomberg U.S. Treasury Inflation Notes Index, Bloomberg U.S. Corporate Index, Bloomberg U.S. Treasury Index, Bloomberg U.S. Treasury, Bloomberg U.S. Mortgage Backed Securities Index, and Bloomberg EM Local Currency Government Index. https://rainerwm.com/news/2024/10/28/trump-vs-harris-how-the-upcoming-election-impacts-financial-plans-anhfl monthly 0.5 2024-11-06 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/fe28a6cc-8c7b-4822-8635-b1f0e505942e/US+Estate+Tax+Exemption+and+Rate+Chart.jpg News + Notes - Trump vs. Harris: How the Upcoming Election Impacts Financial Plans - Make it stand out This chart shows the federal estate tax exemption levels each year alongside the tax rate applicable for amounts above these thresholds. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/4b57364b-b756-4a45-b8c0-f04b50e218b8/US+Trade+Balance+by+Country+Chart.jpg News + Notes - Trump vs. Harris: How the Upcoming Election Impacts Financial Plans - Make it stand out This chart tracks the rolling 12-month average U.S. trade balance by country in millions of dollars. The blue, gold, red, and green shaded areas show the U.S. trade balance with China, Mexico, Europe, and the rest of the world, respectively. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/37446bbc-19eb-476a-b158-768dcb5fa05c/The+Economy+and+Presidencies+Chart.jpg News + Notes - Trump vs. Harris: How the Upcoming Election Impacts Financial Plans - Make it stand out This chart tracks the level of real GDP (chained 2017 dollars) since 1947 when the BEA began publishing quarterly data. Presidents and their parties are labeled and highlighted by color. Recessions are shaded based on NBER dates. https://rainerwm.com/news/2024/10/21/how-retirees-can-navigate-cost-of-living-challenges-h2hpw monthly 0.5 2024-10-29 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/4d5a5769-50ad-47e4-8249-86bc156f51f7/Social+Security+Cost+of+Living+Adjustment+Chart.jpg News + Notes - How Retirees Can Navigate Cost of Living Challenges - Make it stand out This chart tracks the cost-of-living adjustments (COLA) to social security payments over time alongside the measure which it is derived from, the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). The CPI-W plotted is the average annual CPI-W percent change. The COLA adjustment is equal to the percentage increase, if present, in the CPI-W from the average for the third quarter of the current year to the average for the third quarter of the last year in which a COLA was issued. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/636b7757-7798-47e2-8652-8dc1e1eb7963/Maximum+Withdrawal+Rates+in+Retirement+Chart.jpg News + Notes - How Retirees Can Navigate Cost of Living Challenges - Make it stand out This chart shows the 30-year safe withdrawal rates for a hypothetical 60% stock (S&P 500) and 40% bond (U.S. Agg) portfolio. The safe withdrawal rate is calculated as the inflation-adjusted maximum share of the initial portfolio that can be withdrawn at year end for each of the 30-years without the portfolio value dropping to zero. The portfolio is rebalanced annually at year end. The estimated bars, where a 30-year period of realized returns is not available, use as many years of real returns as is available to calculate the safe withdrawal rate. Missing periods are assumed to have a nominal 60/40 portfolio return of 10% and annual inflation of 3.5%. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/f4401166-9c04-425f-965c-644cf6b1b5bc/US+LIfe+Expectancy+Chart.jpg News + Notes - How Retirees Can Navigate Cost of Living Challenges - Make it stand out This chart shows life expectancy for males and females as reported in the most recent Social Security Trustees Report. Average life expectancies are displayed as reported. 90th percentiles of life expectancy are calculated from mortality probabilities. Life expectancies are calculated using the most recent mortality rates over the course of his or her remaining life. https://rainerwm.com/news/2024/10/15/what-the-gold-rally-means-for-investors monthly 0.5 2024-10-15 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/01a6cb77-8346-401e-9846-48dbec113797/Gold+and+the+Stock+Market+Chart.jpg News + Notes - What the Gold Rally Means for Investors - Make it stand out This chart shows the S&P 500 total return and gold returns since the cycle peak in 2007. Returns are reindexed to the cycle peak in 2007. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/631da8a3-6358-4c84-a148-e8b8d2ae7cd6/Gold+and+Interest+Rates+Chart.jpg News + Notes - What the Gold Rally Means for Investors - Make it stand out This chart tracks the performance of gold on the right axis and the U.S. 10-year treasury and the German 10-year Bund yields on the left axis. The black line shows zero on the left axis. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/851a8fc3-db66-4b7a-bbad-67496722f70c/Asset+Class+Performance+Chart.jpg News + Notes - What the Gold Rally Means for Investors - Make it stand out This chart shows the annual total returns for varying asset classes. Asset classes included are MSCI Emerging Markets Index (EM), MSCI Developed Markets Index (EAFE), MSCI World Small Cap Index (Small Cap), S&P 500, balanced portfolio, fixed income, and MSCI World Commodity Producers Index (comm.). The balanced portfolio is a historical 60/40 portfolio consisting of 40% U.S. large cap, 5% small cap, 10% international developed equities, 5% emerging market equities, 35% U.S. bonds, and 5% commodities. https://rainerwm.com/news/2024/10/7/how-rising-oil-prices-affect-investors-3m8cc monthly 0.5 2024-10-21 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/77b746c2-eb96-4496-99b5-aa901fa8164b/Global+Oil+Prices+Chart.jpg News + Notes - How Rising Oil Prices Affect Investors - Make it stand out This chart tracks the price of West Texas Intermediate (WTI) and Brent Crude oil prices over time. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/f82245b3-511c-498a-8c83-8cbeb81918a0/US+Oil+Production+Chart.jpg News + Notes - How Rising Oil Prices Affect Investors - Make it stand out This chart tracks the U.S. oil production in millions of barrels per day. The dotted line denotes the average over the period. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/90c06e1f-798d-4e13-9070-f4ef599fde83/Gasoline+Prices+Chart.jpg News + Notes - How Rising Oil Prices Affect Investors - Make it stand out This chart tracks the average price of regular grade gasoline for all formulations. Data is from the Energy Information Administration. The dotted line denotes the average price over the period. https://rainerwm.com/news/2024/9/30/5-insights-on-the-fed-election-and-volatility-in-q4-l3gjr monthly 0.5 2024-10-08 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/79146e2a-a0bc-471e-864a-1aea91b7a422/Stock+Market+All+Time+High+Chart.jpg News + Notes - 5 Insights on the Fed, Election, and Volatility in Q4 - Make it stand out This chart shows the number of times that the S&P 500 price index has reached an all-time high within each calendar year overlayed with the S&P 500 price index. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/1a5d8b74-7649-423e-bf13-50b8010cf3ea/The+Stock+Market+and+Presidencies+Chart.jpg News + Notes - 5 Insights on the Fed, Election, and Volatility in Q4 - Make it stand out This chart tracks the S&P 500 price index using a logarithmic scale. On this log scale, the y-axis labels increase by a factor of two, so each step along the axis is a doubling of the index value. This provides a better depiction of growth rates than linear price levels which would be dominated by more recent activity. Presidents and their parties are labeled and highlighted by color. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/f2994625-6614-4363-baa6-bbc4a170c8dc/Federal+Funds+Rate+Chart.jpg News + Notes - 5 Insights on the Fed, Election, and Volatility in Q4 - Make it stand out This chart tracks the Federal Funds Rate lower limit. The dotted lines indicate the Federal Open Market Committee's (FOMC) participants' median assessments of appropriate path for the Federal Funds Rate, based on the Summary of Economic Projections. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/fdb7f362-128b-47e3-a336-5a73cc259c58/Bond+Market+Total+Returns+and+Pullback+Chart.jpg News + Notes - 5 Insights on the Fed, Election, and Volatility in Q4 - Make it stand out This chart shows the annual returns and largest intra-year decline for the Bloomberg U.S. Aggregate Index using total returns. The largest intra-year decline is measured as the largest peak-to-trough decline during the calendar year. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/48953999-f031-4206-8b4d-757312cd42c8/Stocks+and+Geopolitical+Events+Chart.jpg News + Notes - 5 Insights on the Fed, Election, and Volatility in Q4 - Make it stand out This chart tracks the S&P 500 total returns around major geopolitical events. S&P 500 total returns are reindexed to 100 at the time of the event and the x axis shows the number of days relative to the event. 3-month, 6-month, and 1-year returns are shown alongside the selected events. https://rainerwm.com/news/2024/9/23/how-geopolitical-conflicts-impact-markets-and-the-economy-2js3n monthly 0.5 2024-10-03 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/6b338b1c-324e-48a0-b24c-f4ea8eaccd53/Stocks+and+Geopolitical+Events+Chart.jpg News + Notes - How Geopolitical Conflicts Impact Markets and the Economy - Make it stand out This chart tracks the S&P 500 total returns around major geopolitical events. S&P 500 total returns are reindexed to 100 at the time of the event and the x axis shows the number of days relative to the event. 3-month, 6-month, and 1-year returns are shown alongside the selected events. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/102f491d-2c2e-4316-a4bc-81e43ceafad7/Global+Oil+Prices+Chart.jpg News + Notes - How Geopolitical Conflicts Impact Markets and the Economy - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/80b31bc6-6d9c-46b5-9cbb-73da40e7c678/Stock+Market+Pullbacks+Chart.jpg News + Notes - How Geopolitical Conflicts Impact Markets and the Economy - Make it stand out This chart shows the number of pullbacks in the S&P 500 price index each year. A pullback is defined as a drop greater than or equal to 5% from a previous high. https://rainerwm.com/news/2024/9/16/what-fed-rate-cuts-mean-for-investors-t3fs9 monthly 0.5 2024-09-24 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/66a44e85-8263-483e-94da-e6217a9b4e64/Fed+Rate+Cut+Cycles+Chart.jpg News + Notes - What Fed Rate Cuts Mean for Investors - Make it stand out This chart shows Federal Reserve rate cut cycles. Each cycle is normalized to 0 at the beginning of the period for easy comparison. Prior to 1983, the monthly effective fed funds rate is used. For the 1983 cycle and onwards, the target lower bound is used. Each line is annotated with the year of the first rate cut. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/2989d938-e442-4ffe-b779-3ef0a6de2c63/Unemployement+Rates+Chart.jpg News + Notes - What Fed Rate Cuts Mean for Investors - Make it stand out This chart shows the unemployment rate using two measures of unemployment: U-3 and U-6 unemployment rates. U-3 unemployment tracks the total unemployed, as a percent of the civilian labor force, and is the official unemployment rate. U-6 unemployment tracks the total unemployed, plus all persons marginally attached to the labor force, plus total employed part time for economic reasons, as a percent of the civilian labor force plus all persons marginally attached to the labor force. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/37c989f2-4b86-453c-b76d-8eb7e80dbeec/Treasury+Yield+Curve+Chart.jpg News + Notes - What Fed Rate Cuts Mean for Investors - Make it stand out This chart shows the treasury yield curve at three points in time: the latest market day, the end of the previous quarter, and the end of the previous year. Dates for the last quarter and last year measure are included in the legend. https://rainerwm.com/news/2024/9/9/how-tax-proposals-and-the-election-impact-investors-8edy4 monthly 0.5 2024-09-18 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/1cf5c390-1499-417c-aac3-c00339df702c/US+Individual+and+Corporate+tax+rates+chart.jpg News + Notes - How Tax Proposals and the Election Impact Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/c0a64472-c21b-468c-b813-2412c666b014/Federal+Debt+to+GDP+Chart.jpg News + Notes - How Tax Proposals and the Election Impact Investors - Make it stand out This chart tracks the total and net federal debt as a percentage of GDP. Net federal debt excludes federal debt that is held within the government. The blue dotted line denotes the 50-year average net debt. The red dotted line denotes the 100% of GDP mark. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/916b0b0b-6fff-4de6-a6de-77e24788609e/The+Economy+and+Presidencies+Chart.jpg News + Notes - How Tax Proposals and the Election Impact Investors - Make it stand out This chart tracks the level of real GDP (chained 2017 dollars) since 1947 when the BEA began publishing quarterly data. Presidents and their parties are labeled and highlighted by color. Recessions are shaded based on NBER dates. https://rainerwm.com/news/2024/9/3/3-investor-lessons-from-the-summers-market-volatility-axps5 monthly 0.5 2024-09-10 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/9447e78d-2e4f-4039-acd8-baa0856008c1/Stock+and+Bond+Annual+Returns+Chart.jpg News + Notes - 3 Investor Lessons from the Summer's Market Volatility - Make it stand out This chart shows annual returns for the S&P 500 and Bloomberg U.S. Aggregate total returns. The blue bars are S&P 500 returns while the gold are Bloomberg U.S. Aggregate returns. The blue and gold dotted lines denote their respective averages. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/d517c315-3b35-44fc-96f7-0b980c6ca5e5/Federal+Funds+Rate+Chart.jpg News + Notes - 3 Investor Lessons from the Summer's Market Volatility - Make it stand out This chart tracks the Federal Funds Rate lower limit. The dotted lines indicate the Federal Open Market Committee's (FOMC) participants' median assessments of appropriate path for the Federal Funds Rate, based on the Summary of Economic Projections. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/b597ed5e-41ec-40a7-a7a0-fcc40d4e2a61/Treasure+Yield+Curve+Chart.jpg News + Notes - 3 Investor Lessons from the Summer's Market Volatility - Make it stand out This chart shows the treasury yield curve at three points in time: the latest market day, the end of the previous quarter, and the end of the previous year. Dates for the last quarter and last year measure are included in the legend. https://rainerwm.com/news/2024/8/26/how-corporate-earnings-support-the-market-rebound-fwehj monthly 0.5 2024-09-04 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/cbcaa068-1e4f-421b-90ce-42295ac9e28a/The+Stock+Market+and+Earnings+Chart.jpg News + Notes - How Corporate Earnings Support the Market Rebound - Make it stand out This chart shows the S&P 500 trailing 12-month earnings-per-share alongside the S&P 500 price index. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/3011251d-84f1-43b7-a660-ecc6d3b7d455/Personal+Savings+Rate+Chart.jpg News + Notes - How Corporate Earnings Support the Market Rebound - Make it stand out This chart tracks households savings rate as a percent of disposable income. The dotted line denotes the average savings rate. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/1cd306b2-8b81-486a-8fc3-d4d64b473780/Household+Network+Chart.jpg News + Notes - How Corporate Earnings Support the Market Rebound - Make it stand out This chart shows the total net worth of households and nonprofits as reported by the Federal Reserve's Z1 report of U.S. financial accounts. https://rainerwm.com/news/2024/8/19/how-presidential-elections-and-economic-policy-impact-investors-gp2xg monthly 0.5 2024-08-26 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/4700f24c-4096-4b5f-afb9-5b2b300657b8/The+Economy+and+Presidencies+Chart.jpg News + Notes - How Presidential Elections and Economic Policy Impact Investors - Make it stand out This chart tracks the level of real GDP (chained 2017 dollars) since 1947 when the BEA began publishing quarterly data. Presidents and their parties are labeled and highlighted by color. Recessions are shaded based on NBER dates. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/e82a77f2-0dcd-472a-94b8-0d27618a65b7/Consumer+Debt+Excluding+Housing+Chart.jpg News + Notes - How Presidential Elections and Economic Policy Impact Investors - Make it stand out This chart shows the balance of consumer debt by category in trillions of dollars, excluding home equity and mortgage debt. Most recent quarter balances are shown alongside the category labels to the right of the data series. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/f75141fe-840f-4131-b42c-62557cb8e062/US+Individual+and+Corporate+tax+rates+chart.jpg News + Notes - How Presidential Elections and Economic Policy Impact Investors - Make it stand out This chart tracks the highest marginal individual and corporate federal tax rates. Select changes in tax rates are labeled. https://rainerwm.com/news/2024/8/12/how-carry-trades-and-market-fragility-impact-investors-7xgw8 monthly 0.5 2024-08-20 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/5dc69206-6c8d-481f-bad0-044d444fd347/US+and+Japan+Interest+Rates+Chart.jpg News + Notes - How Carry Trades and Market Fragility Impact Investors - Make it stand out This chart shows the yield on a 10-year U.S. Treasury bond and equivalent yield on a 10-year Japanese Government Bond. The spread between the two is denoted by the shaded blue series. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/ce401901-e90e-4f9d-ac8c-a8e7d4941af1/Major+currencies+chart.jpg News + Notes - How Carry Trades and Market Fragility Impact Investors - Make it stand out This chart tracks the performance of several major currencies over the past 24 months. The value of each currency is reindexed to 100 at the start of the period. The number at the end of the series shows the value, not reindexed. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/cbad0392-b16a-439b-9169-14c16de356dd/Market+Corrections+and+Recoveries+Chart.jpg News + Notes - How Carry Trades and Market Fragility Impact Investors - Make it stand out This chart shows every S&P 500 correction since World War II. Market corrections are defined as declines beyond 10% but less than 20% from the previous all time high. Declines of 20% or more are considered bear markets. The market bottom is reindexed to 100 and the x-axis measures days before and after the market bottom. https://rainerwm.com/news/2024/8/6/what-the-summer-market-rotation-means-for-investors-by3e7 monthly 0.5 2024-08-14 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/45c7a89c-52b4-4435-a053-95f7638432c0/Large+vs+Small+Cap+Performance+Chart.jpg News + Notes - What the Summer Market Rotation Means for Investors - Make it stand out This chart shows the price return performance of the S&P 500 representing large cap stocks, the Russell 2000 representing small cap stocks, and the spread between the two. The spread represents a compounded return and is not simply the arithmetic difference between the two indices at any given point in time. All series are indexed to 0 on the start date. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/478b2e50-2955-482a-aad9-a09dfa8eba34/GDP+Growth+Components+Over+Time+Chart.jpg News + Notes - What the Summer Market Rotation Means for Investors - Make it stand out This chart shows quarterly GDP growth on a seasonally adjusted annual rate (SAAR) for the last four quarters. Growth is broken down into its percentage point contributions. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/955c0eef-c941-48d5-983c-6c17af802e61/Total+Returns+and+Pullbacks+Chart.jpg News + Notes - What the Summer Market Rotation Means for Investors - Make it stand out This chart shows the annual returns and largest intra-year decline for the S&P 500 price index. The largest intra-year decline is measured as the steepest peak-to-trough decline for the index during the calendar year. https://rainerwm.com/news/special-update-perspective-on-the-fed-and-market-pullback monthly 0.5 2024-08-05 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/f7cef018-1e0b-47f1-9f73-0872e5586052/Stock+Market+Returns+in+Perspective.jpg News + Notes - Timely Update: Perspective on the Fed and Market Pullback - Make it stand out Investors need perspective in volatile markets https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/42269407-b7e6-4311-be24-d8337d297087/Sahm+Rule+Recession+Indicator.jpg News + Notes - Timely Update: Perspective on the Fed and Market Pullback - Make it stand out Concerns are growing that the Fed has made a policy mistake https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/f31fa4e2-ed9d-4e03-9aa9-bbba991f3599/Stock+Market+Pullbacks.jpg News + Notes - Timely Update: Perspective on the Fed and Market Pullback - Make it stand out Investing is about both returns and managing risk https://rainerwm.com/news/2024/7/22/how-to-invest-for-retirement-amid-market-uncertainty-2532b monthly 0.5 2024-08-09 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/3d73c27a-129a-4da8-bc99-7116a5904c85/Employer+Sponsored+Retirement+plans+chart.jpg News + Notes - How to Invest for Retirement Amid Market Uncertainty - Make it stand out This chart shows the number of active participants in defined benefit and defined contribution plans since 1975. The number of active participants in defined benefit plans, defined contribution plans, and total active participants are notated on the right. This does not include non-active participants who may be receiving benefits from each plan type. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/5cc5f5fb-c3c5-430b-8fe6-216746d623d0/Porfolio+Risk+Reward+Chart.jpg News + Notes - How to Invest for Retirement Amid Market Uncertainty - Make it stand out This charts outlines portfolios of stocks and bonds composed of the S&P 500 and Bloomberg Aggregate Bond index. Blue bars represent the annualized returns of the portfolio, while gold bars represent the volatility. Volatility is represented by the standard deviation in value of the portfolio. The black dotted line shows the ratio of annual returns to volatility of each portfolio. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/2a662a29-2506-45b2-b89b-76db43748ce6/The+value+of+staying+invested+chart.jpg News + Notes - How to Invest for Retirement Amid Market Uncertainty - Make it stand out This chart shows the value of a $100,000 investment in the S&P 500 price index throughout the financial crisis under three strategies. This chart shows the total return if the investment is held throughout, is moved to cash for 1 year at the trough and then invested, or is moved to cash permanently at the trough of the market. https://rainerwm.com/news/2024/7/15/what-broadening-market-performance-means-for-investors-r6h2g monthly 0.5 2024-09-04 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/6ebb9534-0a4a-4a74-a2e2-e212db1b7262/Size+and+Style+Returns+Year+over+Year+Chart.jpg News + Notes - What Broadening Market Performance Means for Investors - Make it stand out This chart tracks large cap, mid cap, small cap, large growth and large value total returns over the last year. Returns are reindexed to one year ago. Large, mid, and small caps are the S&P 500, S&P 600, and S&P 400, respectively. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/c2c829f5-6373-41ef-800f-75c332300aee/US+Growth+vs+Value+Performance+Chart.jpg News + Notes - What Broadening Market Performance Means for Investors - Make it stand out This chart tracks the returns for the Russell 3000 growth, value, and standard indices. Returns are indexed to zero in 1995. The blue shaded area shows the spread between the growth and value returns. The blue dotted line shows the the avg growth/value spread for the period. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/53983950-9046-4671-b87c-d18ad6c1263e/Size+And+style+earnings+and+valuations+chart.jpg News + Notes - What Broadening Market Performance Means for Investors - Make it stand out This chart shows the next twelve months earnings growth and P/E ratios by size and style. Growth estimates are denoted by the bars. The diamonds show the next twelve-months P/E ratio. The levels are noted above the sector labels. Large, mid, and small caps are the S&P 500, S&P 600, and S&P 400, respectively. https://rainerwm.com/news/2024/7/2/5-insights-for-long-term-investors-in-the-second-half-of-2024-pb3ny monthly 0.5 2024-09-04 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/1cdd420b-de04-475f-b1b4-5724e26b0996/Stock+Market+All+Time+High+Chart.jpg News + Notes - 5 Insights for Long-Term Investors in the Second Half of 2024 - Make it stand out This chart shows the number of times that the S&P 500 price index has reached an all-time high within each calendar year overlayed with the S&P 500 price index. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/79a5893e-283a-4584-8f91-9b9805a20279/Federal+Funds+Rate+Chart.jpg News + Notes - 5 Insights for Long-Term Investors in the Second Half of 2024 - Make it stand out This chart tracks the Federal Funds Rate lower limit. The dotted lines indicate the Federal Open Market Committee's (FOMC) participants' median assessments of appropriate path for the Federal Funds Rate, based on the Summary of Economic Projections. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/69b2f755-388c-41de-b035-a6d37c4307c5/Fixed+Income+Performance+chart.jpg News + Notes - 5 Insights for Long-Term Investors in the Second Half of 2024 - Make it stand out This chart shows sector total returns sorted from best to worst each year. Fixed income sectors included are Bloomberg U.S. Aggregate Bond Index, Bloomberg EM USD Aggregate Index, Bloomberg U.S. Corporate High Yield Index, Bloomberg Municipal Bond Index, Bloomberg U.S. Treasury Inflation Notes Index, Bloomberg U.S. Corporate Index, Bloomberg U.S. Treasury Index, Bloomberg U.S. Treasury, Bloomberg U.S. Mortgage Backed Securities Index, and Bloomberg EM Local Currency Government Index. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/0790b5eb-adb8-4b2f-8287-3d158666ca0f/Money+Market+Funds+and+Interest+Rates+chart.jpg News + Notes - 5 Insights for Long-Term Investors in the Second Half of 2024 - Make it stand out This chart shows money market mutual fund total assets in trillions of dollars on the left axis and the yield on 1-month U.S. Treasury bills on the right axis. Annotations for select major events are included. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/074470d8-aca8-4bc3-97d6-a290405d4a7a/Stock+market+and+Presidencies+Chart.jpg News + Notes - 5 Insights for Long-Term Investors in the Second Half of 2024 - Make it stand out This chart tracks the S&P 500 price index using a logarithmic scale. On this log scale, the y-axis labels increase by a factor of two, so each step along the axis is a doubling of the index value. This provides a better depiction of growth rates than linear price levels which would be dominated by more recent activity. Presidents and their parties are labeled and highlighted by color. https://rainerwm.com/news/2024/6/24/how-corporate-taxes-could-impact-markets-this-election-season-r86k5 monthly 0.5 2024-07-05 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/63c45e98-0476-4102-98b1-7f0813d0c223/US+Individual+and+Corporate+Tax+Rates+Chart.jpg News + Notes - How Corporate Taxes Could Impact Markets This Election Season - Make it stand out This chart tracks the highest marginal individual and corporate federal tax rates. Select changes in tax rates are labeled. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/cba00f90-7b18-47cd-8644-513b9111fd98/US+Tax+Revenue+Sources+Chart.jpg News + Notes - How Corporate Taxes Could Impact Markets This Election Season - Make it stand out This chart shows the percentage share of federal tax receipts by source since 1950. Percentage shares may not add to 100% due to rounding. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/f545c7ce-1272-4d54-a6c4-56ee4e64389e/The+Stock+Market+and+Presidencies+Chart.jpg News + Notes - How Corporate Taxes Could Impact Markets This Election Season - Make it stand out This chart tracks the S&P 500 price index using a logarithmic scale. On this log scale, the y-axis labels increase by a factor of two, so each step along the axis is a doubling of the index value. This provides a better depiction of growth rates than linear price levels which would be dominated by more recent activity. Presidents and their parties are labeled and highlighted by color. https://rainerwm.com/news/2024/6/17/what-the-feds-outlook-means-for-the-bond-market-z9grd monthly 0.5 2024-09-04 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/0bdc3f03-9882-4b00-8aab-dba567a05fe4/Fixed+Income+Performance+Chart.jpeg News + Notes - What the Fed’s Outlook Means for the Bond Market - Make it stand out This chart shows sector total returns sorted from best to worst each year. Fixed income sectors included are Bloomberg U.S. Aggregate Bond Index, Bloomberg EM USD Aggregate Index, Bloomberg U.S. Corporate High Yield Index, Bloomberg Municipal Bond Index, Bloomberg U.S. Treasury Inflation Notes Index, Bloomberg U.S. Corporate Index, Bloomberg U.S. Treasury Index, Bloomberg U.S. Treasury, Bloomberg U.S. Mortgage Backed Securities Index, and Bloomberg EM Local Currency Government Index. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/0ac93ead-3649-4703-a69a-35310a18f764/Federal+Funds+Rate+Chart.jpeg News + Notes - What the Fed’s Outlook Means for the Bond Market - Make it stand out This chart tracks the Federal Funds Rate lower limit. The dotted lines indicate the Federal Open Market Committee's (FOMC) participants' median assessments of appropriate path for the Federal Funds Rate, based on the Summary of Economic Projections. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/3d9aecfb-7067-4508-acc0-a7419f89dd67/Bond+Market+Total+Return+and+Pullback+Chart.jpeg News + Notes - What the Fed’s Outlook Means for the Bond Market - Make it stand out This chart shows the annual returns and largest intra-year decline for the Bloomberg U.S. Aggregate Index using total returns. The largest intra-year decline is measured as the largest peak-to-trough decline during the calendar year. https://rainerwm.com/news/2024/6/11/how-dollar-cost-averaging-can-help-investors-get-into-the-market-8c5sn monthly 0.5 2024-09-04 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/00ef3cb9-f9de-4071-98ee-34a67ce6340a/Dollar+cost+averaging+vs+lump+sum+chart.jpeg News + Notes - How Dollar-Cost Averaging Can Help Investors Get Into the Market - Make it stand out This chart compares hypothetical returns to dollar-cost averaging and lump sum investing since 2000. It assumes $100,000 is invested at the beginning of the period compared to equal monthly investments over the full period. The dollar-cost averaging value includes the value of both the cash and S&P 500 investments. Returns are based on S&P 500 price returns. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/475c64c2-3d06-4039-8e8b-a6cf731625a7/Stock+Market+All+Time+Highs+Chart.jpeg News + Notes - How Dollar-Cost Averaging Can Help Investors Get Into the Market - Make it stand out This chart shows the number of times that the S&P 500 price index has reached an all-time high within each calendar year overlayed with the S&P 500 price index. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/c78d77ec-f15a-4ac2-b185-521a6aaddd73/Waiting+For+Pullbacks+Chart.jpeg News + Notes - How Dollar-Cost Averaging Can Help Investors Get Into the Market - Make it stand out This chart shows the average price return and number of days between single-day market pullbacks of varying sizes. The bars on the left show the average price return on the left axis and the bars on the right show the number of days on the right axis. Averages are measured since 1927. Returns are inclusive of both beginning and ending single-day pullbacks. https://rainerwm.com/news/2024/6/3/how-technological-innovations-impact-the-stock-market-g8xar monthly 0.5 2024-09-04 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/f09e36c3-b4e2-43fc-aaed-794c67b1f4b0/The+Stock+Market+and+Technological+Advances+Chart.jpeg News + Notes - How Technological Innovations Impact the Stock Market - Make it stand out This chart tracks the S&P 500 price index using a logarithmic scale. On this log scale the Y-axis labels increase by a factor of two, so each step along the axis is a doubling of the index value. This provides a better depiction of growth rates than linear price levels which would be dominated by more recent activity. Select innovations have been labeled. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/5973b260-7b8d-427a-96a4-27b06cb7e908/Sector+Returns+Year+To+Date+chart.jpeg News + Notes - How Technological Innovations Impact the Stock Market - Make it stand out This chart shows the S&P 500 sector price returns year-to-date. The bars show the year-to-date returns, the blue diamonds show the peak return year-to-date, and the orange x shows the trough return year-to-date. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/fba66c9e-2db7-4f0e-9f02-1cec575b23c8/US+Business+Cycles+Chart.jpeg News + Notes - How Technological Innovations Impact the Stock Market - Make it stand out This chart shows the progression of real GDP throughout U.S. business cycles since World War II. For each cycle, real GDP is reindexed to 100 at the prior cycle peak. Changes from 100 at the prior cycle peak can be interpreted as percentage changes. Note the 2020 recession and current cycle are included with the 2008 expansion for clarity. https://rainerwm.com/news/2024/5/20/what-dow-40000-means-for-consumer-net-worth-fae7z monthly 0.5 2024-09-04 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/f4f3dfb1-8f53-4aeb-8b4f-22e6dca2f6e4/Household+Network+Chart.jpeg News + Notes - What Dow 40,000 Means for Consumer Net Worth - Make it stand out This chart shows the total net worth of households and nonprofits as reported by the Federal Reserve's Z1 report of U.S. financial accounts. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/23bce201-9b18-4550-8b1d-bf97e85a193f/Consumer+Debt+Excluding+Houseing+Chart.jpeg News + Notes - What Dow 40,000 Means for Consumer Net Worth - Make it stand out This chart shows the balance of consumer debt by category in trillions of dollars, excluding home equity and mortgage debt. Most recent quarter balances are shown alongside the category labels to the right of the data series. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/4d651281-d5ce-48f2-b08d-d7e01317491c/Consumer+Sentiment+Chart.jpeg News + Notes - What Dow 40,000 Means for Consumer Net Worth - Make it stand out This chart reports three measures of consumer sentiment from the University of Michigan Surveys of Consumer Sentiment. The index of current economic conditions (ICC) is constructed from questions regarding individual's financial well being relative to a year ago and individuals perception timing of large purchases for their home such as an appliance. The index of current economic conditions (ICE) is derived from expectations for individual's financial situation in one year, expectations for the country as a whole in one year, and expectations for volatility in the next five years. The index of consumer sentiment is derived from all of the components of the ICC and the ICE. https://rainerwm.com/news/2024/5/13/how-earnings-can-guide-investors-in-difficult-markets-apr76 monthly 0.5 2024-09-04 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/49db31c0-756a-4fe7-a9a7-071981d79332/The+Stock+Market+and+Earnings+Chart.jpeg News + Notes - How Earnings Can Guide Investors in Difficult Markets - Make it stand out This chart shows the S&P 500 trailing 12-month earnings-per-share alongside the S&P 500 price index. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/25ae87b2-6383-405d-ac37-de5e04b37d44/S%26P+500+Earnings+Growth+Rate+Chart.jpeg News + Notes - How Earnings Can Guide Investors in Difficult Markets - Make it stand out This chart tracks the year-over-year growth rate of S&P 500 12-month trailing earnings per share. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/baef99d6-c989-48c3-b640-70cc6f9d2af3/GDP+Growth+Components+Over+Time+Chart.jpeg News + Notes - How Earnings Can Guide Investors in Difficult Markets - Make it stand out This chart shows quarterly GDP growth on a seasonally adjusted annual rate (SAAR) for the last four quarters. Growth is broken down into its percentage point contributions. https://rainerwm.com/news/2024/5/6/why-cash-is-not-a-long-term-investment-rr5pw monthly 0.5 2024-09-04 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/735b76d4-c813-4326-9826-51ce5fd67c6d/Money+Market+Funds+and+Interest+Rates+Chart.jpeg News + Notes - Why Cash Is Not a Long-Term Investment - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/4406f5a3-cde3-4898-800e-b770f355c1f7/Interest+Income+on+Cash+Chart.jpeg News + Notes - Why Cash Is Not a Long-Term Investment - Make it stand out This chart shows the income earned over time from $100,000 invested in 6-month Certificates of Deposit and the value adjusted for inflation. Real income after inflation is adjusted by the Consumer Price Index. The dotted line denotes the average income over the period. Date Range: January 1988 to present https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/e44af007-7f31-4a89-9a85-1a9f90362e31/Growth+of+%241+Since+1926+Chart.jpeg News + Notes - Why Cash Is Not a Long-Term Investment - Make it stand out This chart shows the growth of $1 since 1926 in the Standard and Poor's Composite and 10-year U.S. Treasury bonds. Stock returns include dividend reinvestment. The inflation line shows the number of dollars over time to equal $1 in spending in 1926, according to the Bureau of Labor Statistics Consumer Price Index. This chart uses a logarithmic scale. Date Range: January 1926 to present https://rainerwm.com/news/2024/4/29/how-the-costs-and-benefits-of-college-affect-financial-plans-2cch6 monthly 0.5 2024-05-08 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/a1ba5c14-3f8e-48a7-948a-a982d138728f/The+Cost+of+College+Education+Chart.jpeg News + Notes - How the Costs and Benefits of College Affect Financial Plans - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/a5e10bf7-2a5d-4d52-bded-a52ef2cb2b8d/The+Economic+Benefits+of+a+college+education+chart.jpeg News + Notes - How the Costs and Benefits of College Affect Financial Plans - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/837d2ef4-e163-4a31-a7ad-63c559dd6c31/Annual+Earnings+by+College+Major.jpeg News + Notes - How the Costs and Benefits of College Affect Financial Plans - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2024/4/22/how-oil-prices-impact-inflation-the-fed-and-markets-8psyb-s5ban-7dnp6 monthly 0.5 2024-09-04 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/e7130bc4-807f-48f9-9510-911b10b284fd/Global+Oil+Prices+Chart.jpeg News + Notes - How Oil Prices Impact Inflation, the Fed and Markets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/5b45660f-734b-41bd-bd55-427fda1ba232/U.S.+Oil+Production+Chart.jpeg News + Notes - How Oil Prices Impact Inflation, the Fed and Markets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/d8e8f254-c5df-4bf0-ba01-6400a6126e4a/Sectors+Relative+to+the+SandP+500+Chart.jpeg News + Notes - How Oil Prices Impact Inflation, the Fed and Markets - Make it stand out This chart shows the annual total returns for the S&P 500 and each S&P 500 Global Industry Classification Standard (GICS) sector. GICS sectors include communication services (Comm.), consumer discretionary (Cons. Disc.), consumer staples (Cons. Stap.), energy, financials, health care, industrials, information technology (technology), materials, real estate, and utilities. https://rainerwm.com/news/2024/4/15/how-investors-can-navigate-market-pullbacks-geopolitical-risk-and-more-jchd7 monthly 0.5 2024-09-04 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/e50aeafd-21f4-4408-ba9f-06ebacb8b81a/Stocks+and+Geopolitical+Events+Chart.jpeg News + Notes - How Investors Can Navigate Market Pullbacks, Geopolitical Risk, and More - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/2cdce010-2f2a-4469-95be-d0ceab5f7452/Core+Inflation+across+goods+and+services+Chart.jpeg News + Notes - How Investors Can Navigate Market Pullbacks, Geopolitical Risk, and More - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/a54cb0ff-ca29-492e-9095-b46e393a48f5/Total+Return+and+Pullback+Chart.jpeg News + Notes - How Investors Can Navigate Market Pullbacks, Geopolitical Risk, and More - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2024/4/8/how-tax-policy-affects-the-stock-market-ln7rb monthly 0.5 2024-09-04 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/432e391e-fc35-4b66-ae33-3c536c47cfc0/U.S+Individual+Income+Tax+Rate+Chart.jpeg News + Notes - How Tax Policy Affects the Stock Market - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/39267257-bd14-4396-9c02-7afefa34ef55/Global+Corporate+Tax+rates+Chart.jpeg News + Notes - How Tax Policy Affects the Stock Market - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/e2943193-2687-4253-8f33-fa2813bdbcfb/Federal+Debt+to+GDP+Chart.jpeg News + Notes - How Tax Policy Affects the Stock Market - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2024/4/2/3-market-insights-for-investors-in-q2-2024-9ayme monthly 0.5 2024-09-04 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/12d38c7f-cae1-4138-9377-4d71539cecad/Stock+Market+All+Time+Highs+Chart.png News + Notes - 3 Market Insights for Investors in Q2 2024 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/8e7240ca-7353-41d8-bd8b-0cdafc2a774b/The+Stock+Market+and+Presidencies+Chart.png News + Notes - 3 Market Insights for Investors in Q2 2024 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/21a45661-e766-4892-a2f2-a872aeb7f25c/Federal+Funds+Rate+Chart.png News + Notes - 3 Market Insights for Investors in Q2 2024 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2024/3/25/how-residential-and-commercial-real-estate-impact-markets-mhk3l monthly 0.5 2024-09-04 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/e7faa7da-38b6-4827-a994-1fadb0b9f228/SandP+CoreLogic+Case-Shiller+Index+Chart.png News + Notes - How Residential and Commercial Real Estate Impact Markets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/0c044b76-03d1-4d2c-a096-6c25dda7495d/Commerical+Real+Estate+Performance+Chart.png News + Notes - How Residential and Commercial Real Estate Impact Markets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/442b126a-7b0a-4d7a-9721-7b3083f8139e/Mortgage+Refinancing+Chart.png News + Notes - How Residential and Commercial Real Estate Impact Markets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2024/3/18/what-fed-rate-cuts-and-disinflation-mean-for-long-term-investors-w6eys monthly 0.5 2024-03-26 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/e2c5c416-f899-4051-a661-b3be5f08c82c/Inflation+Measures+Chart.png News + Notes - What Fed Rate Cuts and Disinflation Mean for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/1fddd0e5-9cf8-4fba-a765-e797d1b55aed/GDP%2C+Money+Supply+and+Velocity+Chart.png News + Notes - What Fed Rate Cuts and Disinflation Mean for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/cd1c7c28-4371-4389-b74a-ca2c7f9e4536/Fed+Funds+Future+Implied+Rates+Chart.png News + Notes - What Fed Rate Cuts and Disinflation Mean for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2024/3/11/how-gold-bitcoin-and-market-breadth-impact-diversified-portfolios-xdr9w monthly 0.5 2024-03-20 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/08bbef8e-0e07-4a84-b19c-5be76d58783c/Gold+and+the+Stock+Market+Chart.png News + Notes - How Gold, Bitcoin and Market Breadth Impact Diversified Portfolios - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/6b16d486-b79a-4752-bdfb-c5aa040002e6/Bitcoin+and+the+Stock+Market+Chart.png News + Notes - How Gold, Bitcoin and Market Breadth Impact Diversified Portfolios - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/379a325c-99e4-447e-b8b7-3c6ea5be1c92/Sector+Returns+Year+To+Date+Chart.png News + Notes - How Gold, Bitcoin and Market Breadth Impact Diversified Portfolios - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2024/3/4/how-presidential-elections-affect-the-stock-market-sgdza-nx55x monthly 0.5 2024-03-11 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/2133b379-277a-492d-98b3-1f0dba33c661/The+Stock+Market+and+Presidencies+Chart.png News + Notes - How Presidential Elections Affect the Stock Market - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/cbf5ab0e-6b21-4b50-b845-7386ace61ecb/Presidents+and+Stock+Market+Returns+Chart.png News + Notes - How Presidential Elections Affect the Stock Market - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/b11c7b80-0cea-4220-8cd1-1a51d454b8ad/Presidential+Elections+and+Stocks.png News + Notes - How Presidential Elections Affect the Stock Market - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2024/2/26/why-investors-need-perspective-around-the-magnificent-7-and-valuations-nb2km monthly 0.5 2024-03-05 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/82cf66f5-5b4b-48e9-861f-7b7b1359a48b/Magnificent+7+Performance+Chart.png News + Notes - Why Investors Need Perspective Around the Magnificent 7 and Valuations - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/8d4003b3-3758-49c7-bfa4-bb7e6e073332/Stock+Market+Valuations.png News + Notes - Why Investors Need Perspective Around the Magnificent 7 and Valuations - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/04b8ada3-0d08-47a8-a098-9c6f1ee25cd1/SandP+500+Equal+Weight+Historical+Performance+Chart.png News + Notes - Why Investors Need Perspective Around the Magnificent 7 and Valuations - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2024/2/20/how-consumer-spending-supports-the-economy-and-markets-cpsxa monthly 0.5 2024-02-27 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/e920ea34-12a5-4c43-bf43-f792f69b1743/Historical+GDP+Components+Chart.png News + Notes - How Consumer Spending Supports the Economy and Markets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/54ef719e-ce88-4540-8532-d82bef74c13b/Consumer+Sentiment+Chart.png News + Notes - How Consumer Spending Supports the Economy and Markets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/3fc9db20-3cdf-4a74-bb9f-d13a8ef35441/Consumer+Spending+Chart.png News + Notes - How Consumer Spending Supports the Economy and Markets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2024/2/12/how-loss-aversion-and-the-sequence-of-returns-impact-investors-y8mkk monthly 0.5 2024-02-27 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/113bf672-0e3e-4c0d-8210-2bc5c5965574/Breakeven+Returns+Chart.png News + Notes - How Loss Aversion and the Sequence of Returns Impact Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/ed09e272-f2fd-4057-8d2b-a91f6980337d/Asset+Allocation+Performance+Chart.png News + Notes - How Loss Aversion and the Sequence of Returns Impact Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/eb8f2f48-c5ba-49e4-b19e-7a85e271833c/Sequence+of+Returns+Risk+Chart.png News + Notes - How Loss Aversion and the Sequence of Returns Impact Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2024/2/5/how-expectations-around-the-fed-banks-and-the-economy-affect-investors-xgrzn monthly 0.5 2024-02-15 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/6162c1d8-2f99-45e2-95db-3984053d454e/Bank+Unrealized+Investment+Gains_Losses+Chart.png News + Notes - How Expectations Around the Fed, Banks and the Economy Affect Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/54a162dc-8c59-49af-aa03-443c85f18901/Unemployement+and+Job+Openings+Chart.png News + Notes - How Expectations Around the Fed, Banks and the Economy Affect Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/bc342751-468d-4540-ae37-744aeca30f45/Stock+Market+Volitility+Chart.png News + Notes - How Expectations Around the Fed, Banks and the Economy Affect Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2024/1/29/what-history-says-about-markets-reaching-all-time-highs-ghda8 monthly 0.5 2024-02-06 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/dad3f6f2-770e-4fa9-9482-47139d3cc754/Stock+Market+All-Time+Highs+Chart.png News + Notes - What History Says About Markets Reaching All-Time Highs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/0ae33cb4-ba06-4f1a-adce-5d12af5959be/GDP+Growth+Components+Over+Time+Chart+1-29-2024.png News + Notes - What History Says About Markets Reaching All-Time Highs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/80c59ae1-25b9-48fc-afc7-40d09bc51dd8/Waiting+for+Pullbacks+Chart.png News + Notes - What History Says About Markets Reaching All-Time Highs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2024/1/22/what-the-secs-bitcoin-etf-approval-means-for-investors-8sr62 monthly 0.5 2024-01-30 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/017f5ab3-6fcc-4b57-82f8-4356a421490a/Bitcoin+and+the+stock+market+chart.png News + Notes - What the SEC's Bitcoin ETF Approval Means for Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/de7e30fc-4c23-4b47-a031-38fde87187ba/Cryptocurrency+performance+chart.png News + Notes - What the SEC's Bitcoin ETF Approval Means for Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/d87a7fe0-8fff-4d4d-a689-5a3af72f340b/Porfolio+Risk-Reward+chart.png News + Notes - What the SEC's Bitcoin ETF Approval Means for Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2024/1/16/how-the-budget-battle-in-washington-impacts-investors-hkkhp monthly 0.5 2024-01-22 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/12bf9d1c-a11f-4e72-b4fb-7383ac60d98d/Federal+Debt+to+GDP+Chart.png News + Notes - How the Budget Battle in Washington Impacts Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/ecda4eee-d8fa-41e8-b797-88549d9dce42/Holders+of+U.S.+Treasuries+Chart.png News + Notes - How the Budget Battle in Washington Impacts Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/accba013-b043-4f8c-a52a-860a5386dce9/U.S.+Individual+Income+Tax+Rates+Chart.png News + Notes - How the Budget Battle in Washington Impacts Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2024/1/8/why-investors-need-perspective-on-the-soft-landing-debate-x8tlh monthly 0.5 2024-01-18 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/caf6c97b-8512-467e-ae51-d770160a7982/Total+Jobs+Created+Since+2000+Chart.png News + Notes - Why Investors Need Perspective on the Soft Landing Debate - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/db8bdb7e-8321-4b04-aea0-148b46dff6ec/Econonic+Update+Chart.png News + Notes - Why Investors Need Perspective on the Soft Landing Debate - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/790ae36c-ab64-4d13-8c90-ba80565815f3/Stock+Market+Price-to-Earnings+Ratio+Chart.png News + Notes - Why Investors Need Perspective on the Soft Landing Debate - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2024/1/2/5-insights-to-understand-markets-in-2024-79pn9-xyzy8 monthly 0.5 2024-01-30 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/1140e84b-71b6-4dd5-9e18-cbea3a01875d/Asset+Class+Performance+Chart.png News + Notes - 5 Insights to Understand Markets in 2024 - Make it stand out This chart shows the annual total returns for varying asset classes. Asset classes included are MSCI Emerging Markets Index (EM), MSCI Developed Markets Index (EAFE), MSCI World Small Cap Index (Small Cap), S&P 500, balanced portfolio, Bloomberg U.S. Aggregate Bond Index (fixed income), and MSCI World Commodity Producers Index (comm.). The balanced portfolio is a hypothetical 60/40 portfolio consisting of 40% U.S. large cap, 5% small cap, 10% international developed equities, 5% emerging market equities, 35% U.S. bonds, and 5% commodities. Balanced portfolios are comprised of the indices identified. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/c94739e2-f289-406b-943f-5f22f962202c/Bond+Market+Total+Returns+and+Pullbacks+Chart.png News + Notes - 5 Insights to Understand Markets in 2024 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/30e908e0-40ef-41b7-acfa-c73e8f407a7e/Federal+Funds+Rate+Chart.png News + Notes - 5 Insights to Understand Markets in 2024 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/ed34fbec-bd39-4274-976c-b246f8034f99/GDP+Growth+Components+Over+Time+Chart.png News + Notes - 5 Insights to Understand Markets in 2024 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/2c4a4812-c218-474a-8917-62013551a665/Stock+Market+Pullbacks+Chart.png News + Notes - 5 Insights to Understand Markets in 2024 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2023/12/11/why-bonds-are-increasingly-attractive-for-long-term-investors-jwhbk monthly 0.5 2024-01-16 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/e21199b9-e853-4ad7-87ab-d6fc40fb1b32/Bond+Sector+Interest+Rate+Sensitivity+Chart.png News + Notes - Why Bonds Are Increasingly Attractive for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/a62bd5ba-61af-4c8d-90fe-2fb69604dca5/Fixed+Income+Performance+Chart.png News + Notes - Why Bonds Are Increasingly Attractive for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/2d0d52c6-d1d0-4deb-a9b1-45ff68528de2/Bond+Market+Volatility+Chart.png News + Notes - Why Bonds Are Increasingly Attractive for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2023/12/4/what-seasonal-patterns-such-as-the-january-effect-mean-for-investors-8rm77 monthly 0.5 2023-12-13 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/68ed6bb1-60a9-4a10-b226-7cd84003fdda/Large+Cap+Seasonal+Patterns+Chart.png News + Notes - What Seasonal Patterns such as the January Effect Mean for Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/54fff01a-4b96-4611-963c-df80d4f66be1/Small+Cap+Seasonal+Patterns+Chart.png News + Notes - What Seasonal Patterns such as the January Effect Mean for Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/0558cad8-34ce-4984-a24e-0b98bc1b34e3/Stocks+Since+the+Great+Depression+Chart.png News + Notes - What Seasonal Patterns such as the January Effect Mean for Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2023/11/27/how-corporate-profits-and-dividends-affect-investor-returns-9lwhx monthly 0.5 2023-12-06 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/77ae41ff-c167-4a89-9c92-2a30206db802/S%26P+500+Earnings+Growth+Rate+Chart.png News + Notes - How Corporate Profits and Dividends Affect Investor Returns - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/ad2a32aa-d818-4bad-aa9c-5b4333bc6b37/The+Stock+Market+And+Earnings+Chart.png News + Notes - How Corporate Profits and Dividends Affect Investor Returns - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/f915394d-37b4-4832-976b-40409f30b443/Dividend+Yields+by+Sector+Chart.png News + Notes - How Corporate Profits and Dividends Affect Investor Returns - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2023/11/20/why-investors-can-be-thankful-after-a-volatile-year-gn3ns-j9gg6 monthly 0.5 2023-11-28 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/e37d0f55-9cfb-447e-b077-def8c4b8356b/Asset+Class+Performance+Chart.png News + Notes - Why Investors Can Be Thankful After a Volatile Year - Make it stand out This chart shows the annual total returns for varying asset classes. Asset classes included are MSCI Emerging Markets Index (EM), MSCI Developed Markets Index (EAFE), MSCI World Small Cap Index (Small Cap), S&P 500, balanced portfolio, fixed income, and MSCI World Commodity Producers Index (comm.). The balanced portfolio is a hypothetical 60/40 portfolio consisting of 40% U.S. large cap, 5% small cap, 10% international developed equities, 5% emerging market equities, 35% U.S. bonds, and 5% commodities. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/331393e1-5d1d-45df-9f19-fbadaf2a0ced/Inflation+Measures+Chart.png News + Notes - Why Investors Can Be Thankful After a Volatile Year - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/c68c548d-5bd3-4d0d-aa23-56a9fd6e6097/Waiting+for+Pullbacks+Chart.png News + Notes - Why Investors Can Be Thankful After a Volatile Year - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2023/11/13/how-inflation-impacts-taxes-and-retirement-benefits-s948g monthly 0.5 2023-11-28 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/162374d3-0d90-4d92-bcf6-54acd73a9535/U.S.+Tax+Bracket+Threshold+Chart.png News + Notes - How Inflation Impacts Taxes and Retirement Benefits - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/3650d66f-adcd-4000-b868-e8f82764bb7c/Consumer+Inflatin+Expections+Chart.png News + Notes - How Inflation Impacts Taxes and Retirement Benefits - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/f518732a-2ed7-4124-b9b5-d28b254a71b3/Social+Security+Cost+of+Living+Adjustment+Chart.png News + Notes - How Inflation Impacts Taxes and Retirement Benefits - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2023/11/6/what-a-goldilocks-jobs-report-means-for-the-fed-and-investors-43zfw monthly 0.5 2023-11-15 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/e2fcbb1b-e345-4e1d-9243-b6acf2663b8d/Bond+Market+Volatility+Chart.png News + Notes - What a Goldilocks Jobs Report Means for the Fed and Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/61908b4c-deb8-483a-9ed7-0c606a64831d/Unemployment+Rates+Chart.png News + Notes - What a Goldilocks Jobs Report Means for the Fed and Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/66dab719-8306-48c5-a7fd-e7be6c6106a7/Fed+Funds+Futures+Implied+Rates+Chart.png News + Notes - What a Goldilocks Jobs Report Means for the Fed and Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2023/10/30/what-the-market-correction-means-for-long-term-investors-6yzlx monthly 0.5 2023-11-07 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/6df8b415-1601-4159-a67d-8611277d21d6/Magnificent+7+Chart.png News + Notes - What the Market Correction Means for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/9f449774-1382-488d-af0b-ae96b0e7931d/GDP+Growth+Components+Over+Time.png News + Notes - What the Market Correction Means for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/c0d0f4bb-7cdc-4920-92c4-2a712adf1563/Stock+Market+Pullbacks+Chart.png News + Notes - What the Market Correction Means for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2023/10/23/what-household-net-worth-hitting-an-all-time-high-means-for-investors-xp8hs monthly 0.5 2023-10-31 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/3e099349-c94f-475d-9b57-a14074fee51e/Household+Net+Worth+Chart.png News + Notes - What Household Net Worth Hitting an All-Time High Means for Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/60a06f4a-2d8a-4fbe-ac28-a55dafea395c/Consumer+Spending+Chart.png News + Notes - What Household Net Worth Hitting an All-Time High Means for Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/ad84cb8c-d5c0-4596-8df9-d08a79e023fc/Personal+Savings+Rate+Chart.png News + Notes - What Household Net Worth Hitting an All-Time High Means for Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2023/10/16/what-washington-politics-and-the-national-debt-mean-for-long-term-investors-xg3lf-4a4ed monthly 0.5 2023-10-24 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/09598573-04f8-447f-924e-8d0c8b138fdb/Federal+Interest+Payments+Chart.png News + Notes - What Washington Politics and the National Debt Mean for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/2de9afe2-1e6a-4006-aff3-2211cb66c5a7/Federal+Debt+to+GDP+Chart.png News + Notes - What Washington Politics and the National Debt Mean for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/ef80857e-bd36-4497-90f7-bc440eadc2e1/Political+Parties+and+Stocks+Chart.png News + Notes - What Washington Politics and the National Debt Mean for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2023/10/9/how-middle-east-conflicts-have-historically-impacted-markets-z8xdf monthly 0.5 2023-10-17 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/434651ca-a02e-4e67-8ade-060fbc54c953/Stocks+and+Geopolitical+Events+Chart.png News + Notes - How Middle East Conflicts Have Historically Impacted Markets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/feda8b79-ce68-4d9e-a9fd-57c3d0986c54/Stocks+Since+the+Great+Depression+Chart.png News + Notes - How Middle East Conflicts Have Historically Impacted Markets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/b5c17c34-2bf4-4137-bf11-9c4b2ee9a1e8/Global+Oil+Prices+chart.png News + Notes - How Middle East Conflicts Have Historically Impacted Markets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2023/10/2/5-insights-for-long-term-investors-in-q4-2023-wfzhb monthly 0.5 2023-10-10 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/7de0125d-f12c-4f76-9d87-d6c5d71fa93f/Stock+and+Bond+Annual+Returns+Chart.png News + Notes - 5 Insights for Long-Term Investors in Q4 2023 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/bfa1e31a-1e53-4064-ab75-6bef477db024/Real+Interest+Rates+Chart.png News + Notes - 5 Insights for Long-Term Investors in Q4 2023 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/17e57f61-af08-4064-aed1-56fceb1e1aed/GDP+Growth+Components+Over+Time+Chart.png News + Notes - 5 Insights for Long-Term Investors in Q4 2023 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/ae926881-e1cd-466e-b423-07bb0fd8fbb2/Federal+Reserve+Dot+Plot+Chart.png News + Notes - 5 Insights for Long-Term Investors in Q4 2023 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/cb6ffbf2-758a-4d15-a23f-38224de687d9/The+Importance+of+Saving+Early+Chart.png News + Notes - 5 Insights for Long-Term Investors in Q4 2023 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2023/9/25/what-the-feds-latest-projections-mean-for-long-term-investors-xnemd monthly 0.5 2023-10-03 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/fb6c8b72-ab07-49cf-bfdd-c03e13760396/Federal+Reserve+Dot+Plot+Chart.png News + Notes - What the Fed's Latest Projections Mean for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/7da7c539-e4f7-4848-85ab-cda3469a673f/Federal+Reserve+Balance+Sheet+Chart.png News + Notes - What the Fed's Latest Projections Mean for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/54ad3077-e393-4ba7-8776-6af56f150651/Global+Oil+Prices+Chart+9%3A25.png News + Notes - What the Fed's Latest Projections Mean for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2023/9/18/how-stock-market-sectors-depend-on-the-business-cycle-bspct monthly 0.5 2023-09-25 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/e242554e-456b-4cbd-befa-7c4cc4d7ab5c/Stock+Market+Sector+Performance+Chart.png News + Notes - How Stock Market Sectors Depend on the Business Cycle - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/431b70ba-9b2f-497b-8143-f82e337b6fc2/U.S.+Business+Cycles+Chart.png News + Notes - How Stock Market Sectors Depend on the Business Cycle - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/b9f197d4-2b48-4ffa-a2a9-952fe70eb5a0/Stock+Market+Bull+and+Bear+Cycles+Chart.png News + Notes - How Stock Market Sectors Depend on the Business Cycle - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2023/9/11/what-higher-oil-prices-mean-for-consumers-and-markets-flemj-pdthe monthly 0.5 2023-09-21 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/d70fe817-9c86-4aef-aa2d-b681ffc58f2b/Global+Oil+Prices+Chart.png News + Notes - What Higher Oil Prices Mean for Consumers and Markets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/57252cd9-4245-4a8c-a086-47decb7c1ea8/U.S.+Oil+Production+Chart.png News + Notes - What Higher Oil Prices Mean for Consumers and Markets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/09d131bf-c872-467d-b142-a6722589211c/Sector+Returns+-+Year+over+Year+Chart.png News + Notes - What Higher Oil Prices Mean for Consumers and Markets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://rainerwm.com/news/2023/9/5/how-the-highest-real-yields-since-2009-affect-investors-fhpn8 monthly 0.5 2023-09-12 https://images.squarespace-cdn.com/content/v1/5981206246c3c4c73ce6ad5f/0640efe3-783c-4526-961d-a9403725976e/Real+Interest+Rates+Chart.png News + Notes - How the Highest Real Yields Since 2009 Affect Investors - Make it stand out Whatever it is, the way 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