Fourth Quarter 2023 – The fourth quarter of 2023 had spectacular results, albeit a catch-up quarter which accelerated the annual gains....

Third Quarter 2023 – The third quarter of 2023 reduced the gains for the year-to-date and for the one-year period. No area was spared,...

Second Quarter 2023 – The second quarter of 2023 continued the recovery that began in the fall of 2022. The large company (DFUSX) gains...

First Quarter 2023 – The first quarter continued the gains from the fourth quarter of 2022. The gains were uneven with large cap...

Fourth Quarter 2022 – The fourth quarter provided good returns in an otherwise terrible year. No area of the market was spared last year....

Third Quarter 2022 – The third quarter of 2022 followed the downward trend as the market correction continues. No areas of the market...

Second Quarter 2022 – The investment returns are a confluence of inflation, rising interest rates, and Russia. When interest rates rise,...

First Quarter 2022 – The first quarter had losses in all investments which were the result of high values of equities, inflation, rising...

I bonds are a type of US Treasury savings bond that earns interest based on a combined fixed interest rate and an inflation rate. This...

Fourth Quarter 2021 – The fourth quarter of 2021 was a continuation of equity gains from the Covid recession early in 2020. US large...

Third Quarter 2021 – The third quarter was flat, reducing the one-year and three-year investment returns. Small US outpaced other areas...

The second quarter of 2021 saw a continuation of the recovery from the pandemic. Real estate (DFREX) led for the quarter (blue) at...

First Quarter 2021 – The first quarter of 2021 was part of the rebound from the market low at March 31, 2020, pegged as the sharpest...

Fourth Quarter 2020 – This newsletter is written after the presidential inauguration. The fourth quarter of 2020 was continuing the...

Second Quarter 2020 – The second quarter of 2020 was a bounce back quarter after the severe decrease of the first quarter. The chart...

A provision of the Treasury’s new CARES act (Coronavirus Aid, Relief, and Economic Security Act) is waiving the 2020 minimum distribution...

FIRST QUARTER 2020 – The coronavirus seriously affected the returns for the first quarter of 2020. Equities were down 19% to 32%, with...

Have you tried calling us this morning to wish us a Happy Valentine's Day? Our phones are down and we can't even get our provider on the...

The fourth quarter of 2019 and the 2019 year were robust. All of the investment classes and groups below had double digit returns for the...

The third quarter of 2019 (blue) was a mix. Large US companies, real estate and bonds had good returns. Small US companies continued to...