Market Commentary: Fall 2021 – Homeowner’s Insurance

Homeowner’s insurance is one of those topics that garner little interest from most people. Copies of declaration pages and notices from insurance companies often sit unread or barely glanced at until times of need. The details are dry, and the numbers and terms used are a challenge to understand. For most, it is more a […]

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Market Commentary: Summer 2021 – Inflation: It’s Back

INFLATION: IT’S BACK The May release of the Bureau of Labor Statistics’ inflation data was an eye opener: the benchmark “CPI-U”, or the Consumer Price Index for All Urban Consumers, was up 5% year-over-year – a substantial increase over the 1.8% average we have seen over the past decade. It was a wake-up call that […]

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Market Commentary: Spring 2021 – Lessons from the Past Year

A FEW LESSONS FROM THE PAST YEAR These past 12 months have been a year of extremes, a period that tested our resolve in so many areas – personal, financial, and emotional. There was loss and ultimately (we hope) gratitude that we could remain resilient in the face of uncertainty. And all of it seemed […]

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Market Commentary: Winter 2021 – The Year of the Unexpected

2020: The Year of the Unexpected At the beginning of 2020, the outlook for the economy and the stock markets seemed promising. The US stock market was amid its longest bull run ever (almost 11 years), the economy was growing, and unemployment was low. Interest rates were on the rise – the benchmark 10-year US […]

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Market Commentary: Fall 2020 – The Market’s Amazing Recovery

A LOOK UNDER THE HOOD OF THE US MARKET – AND ITS AMAZING RECOVERY If you were to look at the stock market, one would have a sense the American Economy is having a great year: The S&P 500 index, the most widely followed measure of how large companies are performing in the United States, […]

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Market Commentary: Summer 2020 – Volatile Stocks

VOLATILE STOCKS AND THEIR RECOVERY The past two quarters have been among the most volatile on record for stocks. The benchmark S&P 500 declined by 19.6% in the first quarter, and then, in a surprising turnaround, went up by 20.5% in the second quarter. We often suggest to clients that during times of market stress […]

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Market Commentary: Spring 2020 – The CARES Act

The CARES Act The following is a summary of major provisions of the Coronavirus Aid, Relief, and Economic Security “CARES” Act. The Act is a complex piece of legislation and it covers many areas; our focus will be on how it impacts individuals. We would welcome speaking to you about it and if it might […]

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Market Commentary: Winter 2019 – The Difference in a Decade

WHAT A DIFFERENCE A DECADE MAKES At the end of 2019, the S&P 500 Index (which is comprised of a mix of 500 US large company stocks) was ascendant, with an average annualized return of +11.2% over the past ten years, and it finished 2019 with a one-year return of +31.5%. It was the best […]

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Market Commentary: Fall 2019 – A Tale of Two Decades

A Tale of Two Decades: Lessons for Long Term Investors The first decade of the 21st century, and the second one that’s drawing to a close, have reinforced for investors some timeless market lessons: returns can vary sharply from one period to another; holding a broadly diversified portfolio can help smooth out the swings; and, […]

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Market Commentary: Summer 2019 – the Value Premium

WILLOW CREEK AND THE VALUE PREMIUM Willow Creek Wealth Management adheres to a disciplined, evidence-based approach to our investing. One of the core elements to this approach is the conviction that value stocks (think companies that are currently out of style with the market) will generate higher returns than growth stocks (companies that are seen […]

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