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Tuesday, January 24, 2023

The recent breakdown in the U.S. personal savings rate to near record lows has fueled the narrative that consumers are in dire need of cash heading into 2023. This is troublesome because consumer spending accounts for approximately two...

 

Tuesday, January 17, 2023

Capital Market Expectations & Projected Portfolio ReturnsWhile Credent Wealth Management does not generate capital market expectations of our own, we do find it useful to aggregate data from numerous reputable financial institutions as...

 

Tuesday, January 3, 2023

2022 was a challenging year for investors. U.S. equities fell 19%, its worst return since 2008, while U.S. Treasuries fell 12% as the yield on the 10-year U.S. Treasury note climbed from 1.5% to 3.8%. It was a year dominated by...

 

Tuesday, December 20, 2022

 

Tuesday, December 13, 2022

Chart Content: S&P 500 performance measurements during two key intervals. The first being the period between the market’s peak and that of he start of a recession, and the second being the total peak-to-trough market...

 

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Tuesday, December 6, 2022

The transportation of goods across the country is something you likely witness on a daily basis. Hundreds of thousands of tons make their way across our highways on a monthly basis, involving hundreds of different carriers while...

 

Tuesday, November 29, 2022

2022 serves as a strong reminder that financial markets can be volatile by nature and that different asset classes move in and out of favor over time. Today’s weekly market commentary highlights the benefits of global...

 

Tuesday, November 22, 2022

Chart Content: Twenty-year comparison of inflation (Consumer Price Index) to ISM Manufacturing Prices Paid.Chart Significance: Inflation in the United States has historically correlated positively with the rise, and drop, in the prices...

 

Tuesday, November 15, 2022

Volatility across capital markets is often a sign of cash exiting or entering a specific asset class, which can be defined as exposure to stocks, bonds, commodities, or any other investment that carries a reasonable liquidity profile....

 

Tuesday, November 8, 2022

The S&P 500 has historically remained neutral on average through the third quarter in midterm election years before gaining traction in the fourth quarter while at the same time experiencing heightened volatility throughout the year....

 

Tuesday, November 1, 2022

The idea of an economic recession carries a sense of fear among investors. Is that fear rationally justified? Perhaps. A “technical” recession becomes reality after two consecutive quarters of contracting gross...

 

Tuesday, October 18, 2022

The U.S. Labor Market Chart Book is a deep dive into labor market conditions, which continue to signal overwhelming tightness, putting upward pressure on wage growth and inflation despite the Federal Reserve’s hawkish stance. The...

 

Tuesday, October 11, 2022

Chart Content: Five-year snapshot of global shipping rates via container ships.Chart Significance: The supply chain issues that emerged during the depths of the COVID pandemic resulted in shortages of goods and services in a way that...

 

Tuesday, October 4, 2022

Chart Content: Year to date performance differentials between the Euro, British Pound, Japanese Yen, and U.S. Dollar.Chart Significance: The U.S. Dollar’s relentless climb since the beginning of 2022 is tightening financial...

 

Tuesday, September 27, 2022

Stock market volatility has resurfaced, and it bears significance to gauge its source and its potential for sustained downside. We’re living in a short-term era of ambiguity that is exacerbated by the anticipated actions of the...

 

Tuesday, September 20, 2022

Chart Content: Annualized S&P 500 Index returns over the past 25 years compared to annualized S&P 500 Index returns over the same timeframe when missing the top 10, 20, 30, and 40 days in the marketChart Significance: Missing the best...

 

Tuesday, September 13, 2022

Conventional wisdom suggests that investing in gold during times of inflationary pressures may yield a more favorable total return outcome than being invested in stocks. The observed reality, however, is less exciting. In tracking the...

 

Tuesday, September 6, 2022

Time in the MarketChart Content: Annualized S&P 500 Index returns over the past 25 years compared to annualized S&P 500 Index returns over the same timeframe when missing the top 10, 20, 30, and 40 days in the marketChart Significance:...

 

Tuesday, August 30, 2022

Returns after Volatility:Interest rates are heading higher:The reality of interest rates is simple, despite the on-going rhetoric that attempts to overcomplicate its narrative. If the expectation for economic growthis that it will...

 

Tuesday, August 23, 2022

Chart Content: Measures of inflation and components of the consumer price index (CPI).Chart Significance: U.S. headline consumer prices eased to a lower than expected 8.5% year over year in July, from a four decade high of 9.1% in June...

 

Friday, August 19, 2022

Chart Content: S&P 500 performance measurements during two key intervals. The first being the period between the market’s peak and that of the start of a recession, and the second being the total peak-to-trough market downside...

 

Tuesday, August 2, 2022

Chief Investment Officer Edison Byzyka, CFA and CEO David Hefty, CFP® walk you through understanding what the announcement of a recession means & how this may impact investing for the foreseeable future.Recessions are often...

 

Tuesday, July 12, 2022

 the S&P 500 has historically remained neutral on average through the third quarter in midterm election years before gaining traction in the fourth quarter while at the same time experiencing heightened volatility throughout the...

 

Tuesday, July 5, 2022

Chart Content: Measures of core goods inflation and core services inflationChart Significance: Fiscal stimulus provided during the COVID pandemic combined with government mandated lockdowns resulted in unprecedented demand for consumer...

 

Tuesday, June 28, 2022

2022 has been a tough year for investors with both stocks and bonds down sharply from recent highs. Add to that decades-high inflation, an aggressive Federal Reserve, COVID-19 restrictions, and the ongoing war in Ukraine, it may come...

 

Tuesday, June 7, 2022

Executive SummaryThe Federal Reserve and other central banks have begun to raise interest rates to temper global inflation. This restrictive monetary policy will cause global growth to slow, triggering markets to worry more about...

 

Tuesday, May 31, 2022

Chart Content: Rolling 12-month S&P 500 valuation based on realized earningsChart Significance: The recent volatility in the S&P 500 has resulted in valuation downside that remains three times (3x) the pace of that experienced during...

 

Tuesday, May 24, 2022

Volatility is almost always associated with losing value. Although that’s true for those investors that willfully liquidate their holdings, long‐term investors have historically seen tremendous benefits from times of equity...

 

Tuesday, May 17, 2022

 

Tuesday, May 10, 2022

 

Tuesday, May 3, 2022

 

Tuesday, April 26, 2022

 

Tuesday, April 19, 2022

 

Tuesday, April 12, 2022

 

Tuesday, March 29, 2022

 

Tuesday, March 22, 2022

 

Tuesday, March 15, 2022

 

Tuesday, March 1, 2022

 

Tuesday, February 22, 2022

 

Tuesday, February 15, 2022

 

Tuesday, February 8, 2022

 

Tuesday, February 1, 2022

 

Tuesday, January 25, 2022

 

Tuesday, January 18, 2022