Quarter in Charts – Q2 2020

So, How Was Your Day? Your Quarter? Your Year? It’s hard to wrap my mind around the wildly different experiences we’ve all had over the last four months. For every quarantined person who has learned to bake sourdough, many more kids aren’t getting their school lunches. For anyone who has realized they can do their

Should I Refinance My Home?

In case you haven’t heard, mortgage rates are the lowest they have ever been. The chart below shows average mortgage rates over the past 49 years, from 1971 to 2020. Currently, the 30-year mortgage has an average rate of 3.17%. You can view the chart above and edit the timeline yourself in order to see

The Quarter in Charts – Q1 2019

If there was ever a quarter that demonstrated the changing nature of investment markets, it was the first quarter of 2019. Below, we’ll walk through the critical themes of the quarter touching specifically on the yield curve and the possibility of a recession. Asset Class Returns So far in 2019, investors have experienced double-digit returns

On Market Volatility and What to Believe

“They were told where they belonged, and they acted accordingly.” In his book, Predictably Irrational, Dan Ariely highlights how our understanding of our current situation impacts how we will behave in the future. “One stereotype of Asian Americans, for instance, is that they are especially gifted in mathematics and science. A common stereotype of females

The Quarter In Charts – Q2 2018

Below are some pictures that help illustrate the current investment landscape. All of these charts show us where we’ve been, but none guarantees to show us what will happen in the future. Even though valuations tend to “revert to the mean” and certain data points can be leading indicators, nothing is guaranteed. In fact, that’s