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Is The Market Too High Like Everyone Says?

The ValueAligned Model portfolio (VAP) was up +22.8% in 2021, while the S&P 500 Index was up +28.1%, including dividends reinvested into the index. In the first three weeks of this year the VAP is down -7.6% while the S&P 500 is down -7.7%. On January 11, we...

Key Financial Deadlines For 1Q 2022

Do you know what days the market closes for 2022? Or when different tax forms are due? Or when the various enrollment periods for Medicare and health insurance begin and end? Each year brings with it a host of new dates, deadlines, and observances to track. But I like...

Inflation’s Back—And That’s Why We Own Stocks

At the close on Friday, the NASDAQ Composite Index was down -6.1% and the S&P 500 was down -3.5%, from their recent record highs. The 10-year Treasury yield, which was 1.67% as recently as the week of Thanksgiving, was yielding 1.35% at the close on Friday. Oil...

How Would A 20% Market Decline Affect You?

Investment Advisors Make An Appointment   Happy Thanksgiving Happy Thanksgiving to you and your family. We all have much to be thankful for. Twenty-one months after COVID-19 led to lockdowns across the United States, vaccines are now widely available. Additionally,...

The ‘Seemingly’ Unstoppable Bull Market

The ValueAligned Model Portfolio ("VAP") is up +15.8% for 2021 as of Wednesday, September 8th. The S&P 500 Index is up +21.4%. Please see the disclosures at the end of this letter or on our website www.valuealigned.com.   We lowered our exposure to stocks in...

Mid Year Report

As America continued to recover from the COVID-19 pandemic in the first half of 2021, the U.S. economy and the stock markets made significant progress.The ValueAligned Model Portfolio ("VAP") is up +16.10% for 2021 as of Friday July 2, 2021. The S&P 500 Index is...

Can Washington Raise Wages?

The government can mandate higher wages through minimum wage laws and can temporarily increase demand for workers above supply forcing smaller companies to compete with larger companies by bidding up wages. But they are targeting the wrong measure because just like in...

Thinking About Reallocating To Bonds? Don’t.

And bonds are not the place to be these days. Can you believe that the income recently available from a 10-year U.S. Treasury bond – the yield was 0.93% at yearend – had fallen 94% from the 15.8% yield available in September 1981? In certain large and important...

The Flood of Money Into Passive ETFs, Mutual Funds Has Slowed

Lifetime returns are mostly about investor behavior. Save while you are working, invest in stocks of great companies and don't sell in a panic or buy at the top.     “Passive investment is now growth-tilted, momentum chasing, biased toward popular-weighted...

TRUCKS KEEP ON HAULING MORE AND MORE STUFF

US Trucks Hauled Almost +8% More Tonnage in the Last Year     The nations' extensive fleet of trucks has hauled almost 8% more tonnage in year ending July '18. Since just before the November 2016 election, truck tonnage is up 15%. This is powerful evidence...