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Retirement Certainty Scorecard™

 
  DISAGREE AGREE
Indicate the degree to which you agree or disagree with the statements below.
1

I have a clear, written and actionable retirement plan that shows my current financial position (Point A) and my ultimate future (Point B) and sets a path to get from A to B.

2

I review my written retirement plan each and every year and adjust it for changes in my life. I stress test my plan's viability by changing variables for the worst case scenario.

3

I know exactly what my personal required rate of return (PRROR) is that will allow me to achieve all of my retirement goals. I plan my investment strategy around and work toward that PRROR.

4

I have an investment plan which focuses an equal amount of time on making money as it does on not losing it, simultaneously advancing and protecting my assets.

5

I know that I am utilizing independent advice and strategies which specifically fit my individual situation.

6

I review all of my investments each and every year based on how the market and economy are responding and make adjustments and/or rebalances at least annually or as needed.

7

I am confident with all of my insurances knowing that the way they are positioned and funded will protect me and my family for any unforeseen negative events.

8

I am confident that my estate planning documents and beneficiary designations are all set up to maximize the benefits that my family receives.

9

I am well qualified or utilizing professionals that are well qualified to give the best possible advice for my retirement, investment, estate and tax planning.

10

My retirement planning is set up (by me or my advisor) in a way that requires little daily, weekly or monthly attention so that I can enjoy life to its fullest.

As I consider everything that will allow me to live most comfortably during my retirement, the thing that keeps me up at night is:

Thank you for completing the Retirement Certainty Scorecard™.

Please click "Submit & Print Form" to send a copy of this form to Campbell Wealth. After completing Steps 2 and 3, a Campbell Wealth associate will review the results of your Scorecard with you.

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MARKET COMMENTARY

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January 2, 2018 / The Markets

Weekly Market Commentary

The Markets

How good was 2017?

It was so good, the Standard & Poor’s (S&P) 500 Index finished in positive territory every month for the first time ever (on a total return basis), reported Barron’s. All major U.S. indices finished the year with double-digit gains.

As we enter 2018, keep an eye on investor sentiment. “History has shown us that the crowd can be right during trends, but it also tends to be wrong at extremes. This is why sentiment can be an important contrarian indicator, because if everyone who might become bearish has already sold, only buyers are left. The reverse also applies,” reported ValueWalk.

Toward the end of 2017, sentiment shifted, but not everyone shared the same outlook. Surveys and indices that track market indicators and institutional advice became less bullish, while newsletter writers and investors became more bullish.

  • The CNN Fear & Greed Index dropped from Greedy territory into the Neutral range. The Index measures seven indicators including stock price strength and breadth, market momentum, high-yield bond demand, and market volatility to determine the emotion that may be driving markets.
  • The TIM Group Market Sentiment fell from 47.3 percent to 43 percent, becoming more bearish. TIM tracks actionable ideas sent from the sell-side (e.g., investment and commercial banks; stock brokers; market makers) to buy-side clients (e.g., asset managers; institutional and retail investors). A score of zero is the most bearish and 100 is the most bullish.
  • The AAII Investor Sentiment Survey indicated individual investors are becoming more bullish and less bearish. Some believe the survey is a contrarian indicator:
  • Bullish sentiment was up 2.1 percent to 52.6 percent. The long-term average is 38.5 percent. o Neutral sentiment was up 2.8 percent to 26.7 percent. The long-term average is 31.0 percent.
  • Bearish sentiment was down 5 percent to 20.6 percent. The long-term average is 30.5 percent.

During 2017, U.S. markets appeared to be Teflon-coated. Geopolitical events, natural disasters, and other shocks had little impact on investor optimism or share prices, and expectations for volatility remained historically low. That may continue during 2018, or it may not.

Data as of 12/29/17 1-Week Y-T-D 1-Year 3-Year 5-Year 10-Year
Standard & Poor’s 500 (Domestic Stocks) -0.4% 19.4% 18.8% 8.6% 13.4% 6.2%
Dow Jones Global ex-U.S. 1.1 24.6 24.8 5.7 4.9 -0.2
10-year Treasury Note (Yield Only) 2.4 NA 2.5 2.2 1.8 4.0
Gold (per ounce) 2.2 13.1 9.4 2.8 -4.9 4.5
Bloomberg Commodity Index 2.8 0.8 0.6 -6.0 -8.7 -7.1
DJ Equity All REIT Total Return Index 1.5 8.7 9.7 6.2 9.9 7.7

S&P 500, Dow Jones Global ex-US, Gold, Bloomberg Commodity Index returns exclude reinvested dividends (gold does not pay a dividend) and the three-, five-, and 10-year returns are annualized; the DJ Equity All REIT Total Return Index does include reinvested dividends and the three-, five-, and 10-year returns are annualized; and the 10-year Treasury Note is simply the yield at the close of the day on each of the historical time periods.

Sources: Yahoo! Finance, Barron’s, djindexes.com, London Bullion Market Association.

Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. N/A means not applicable.

SOME OF THE BEST AND WORST OF 2017

It may have seemed longer but 2017 had 365 days, just like every other year. It was a year of firsts, worsts, and bests, although not everyone agrees about which were which. Here are a few memorable pop culture moments from 2017:

  • Making a mistake. “At February’s Oscars, some [person] hands presenters Warren Beatty and Faye Dunaway the wrong envelope, leading to an incorrect announcement of Best Picture. The actual winner turns out to be whatever other accounting companies are vying for the academy’s business,” reported New York Post.
  • Seeing and hearing the children. An interview with South Korea expert, Professor Robert Kelly, was interrupted by his toddlers and became a viral sensation. One Twitter post read,

“Live your life like you just burst through the door of your dad’s super important live broadcast Skype call,” reported The Independent.

  • Empowering women. “Wonder Woman became the best-reviewed DC Universe film and a box-office hero when it hit theaters in May…[It] had the biggest opening ever for a movie directed by a woman with a $100.5 million debut and presented a turning point for female representation on the big screen,” wrote USA Today.
  • Selling stuff. Arguably the world’s most eligible royal bachelor, Prince Harry announced he’s engaged to Meghan Markle. Prepare for the glut of commemorative items. About £222 million was spent on memorabilia related to the 2011 royal wedding of the Duke and Duchess of Cambridge, reported The Telegraph.
  • Beknighting another Beatle. That’s right. The Beatles’ former drummer Ringo Starr is on the list to receive knighthood during Queen Elizabeth’s annual New Year’s Honours ceremony, announced Rolling Stone.

What were the best and worst moments of 2017 in your opinion?

Weekly Focus – Think About It

“Your success and happiness lies in you. Resolve to keep happy, and your joy and you shall form an invincible host against difficulties.”

–Helen Keller, American author, lecturer, and activist

Best regards,

Kelly P. Campbell, CFP®, CMFC®, ChFC®, AIF®

P.S.  Please feel free to forward this commentary to family, friends, or colleagues. If you would like us to add them to the list, please reply to this email with their email address and we will ask for their permission to be added.

Securities offered through Campbell Wealth Management is a Registered Investment Advisor.  Member FINRA/SIPC.

  • These views are those of Carson Group Coaching, and not the presenting Representative or the Representative’s Broker/Dealer, and should not be construed as investment advice.
  • This newsletter was prepared by Carson Group Coaching. Carson Group Coaching is not affiliated with the named broker/dealer.
  • Government bonds and Treasury Bills are guaranteed by the U.S. government as to the timely payment of principal and interest and, if held to maturity, offer a fixed rate of return and fixed principal value.

However, the value of fund shares is not guaranteed and will fluctuate.

  • Corporate bonds are considered higher risk than government bonds but normally offer a higher yield and are subject to market, interest rate and credit risk as well as additional risks based on the quality of issuer coupon rate, price, yield, maturity, and redemption features.
  • The Standard & Poor’s 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. You cannot invest directly in this index.
  • All indexes referenced are unmanaged. Unmanaged index returns do not reflect fees, expenses, or sales charges. Index performance is not indicative of the performance of any investment.
  • The Dow Jones Global ex-U.S. Index covers approximately 95% of the market capitalization of the 45 developed and emerging countries included in the Index.
  • The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the U.S. Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market.
  • Gold represents the afternoon gold price as reported by the London Bullion Market Association. The gold price is set twice daily by the London Gold Fixing Company at 10:30 and 15:00 and is expressed in U.S. dollars per fine troy ounce.
  • The Bloomberg Commodity Index is designed to be a highly liquid and diversified benchmark for the commodity futures market. The Index is composed of futures contracts on 19 physical commodities and was launched on July 14, 1998.
  • The DJ Equity All REIT Total Return Index measures the total return performance of the equity subcategory of the Real Estate Investment Trust (REIT) industry as calculated by Dow Jones. * Yahoo! Finance is the source for any reference to the performance of an index between two specific periods.
  • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.
  • Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
  • Past performance does not guarantee future results. Investing involves risk, including loss of principal.
  • You cannot invest directly in an index.
  • Stock investing involves risk including loss of principal.
  • Consult your financial professional before making any investment decision.
  • To unsubscribe from the Weekly Market Commentary please click here, or write us at mirela@campbellwealth.com.
  • To unsubscribe from the Weekly Market Commentary please reply to this email with “Unsubscribe” in the subject line, or write us at mirela@campbellwealth.com.

Sources:

https://www.barrons.com/articles/dowindustrialsendsolid2017onasournote1514601649 (or go to

https://s3uswest2.amazonaws.com/peakcontent/+Peak+Commentary/010218_Barrons

Dow_Industrials_End_Solid_2017_on_a_Sour_NoteFootnote_1.pdf) http://www.valuewalk.com/2017/12/whenoverboughtisbullish/ http://money.cnn.com/data/fearandgreed/ https://www.wallstreetmojo.com/sellsidevsbuyside/

http://www.barrons.com/public/page/9_0210investorsentimentreadings.html http://www.aaii.com/sentimentsurvey

http://www.aaii.com/journal/article/istheaaiisentimentsurveyacontrarianindicator https://www.washingtonpost.com/business/economy/stockmarketswrapupbestyearsince2013asinvestorsshrugoffbadnewsthedowjonesindustrialaveragealonesurges25percent/2017/12/29/5bf67932ecae11e78a6a80acf0774e64_story.html?utm_term=.2eea95db2906 https://www.cnbc.com/2017/12/26/could2018surprisewiththesameoutsizegainsas2017.html https://nypost.com/2017/12/28/thehighsandlowsofpopculturein2017/

https://www.usatoday.com/story/life/entertainthis/2017/12/06/15biggestpopculturemoments

2017/910215001/

http://www.independent.co.uk/lifestyle/healthandfamilies/professorrobertkellyfamilyfatherchildrenbbcinterviewsouthkoreavirala8127221.html

http://www.telegraph.co.uk/news/2017/11/28/royalweddingsouvenirrushprinceharrymeghanmarklebegins/

https://www.rollingstone.com/music/news/ringostarrbeegeesbarrygibbreceiveknighthoodw514828 http://inspower.co/17bestquotesaboutresolve/

 

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