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Clearly, Not Everyone Is Getting Rich Off The Stock Market

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Well, the NY Fed was out today with its Quarterly Report on Household Debt and Credit for Q4 2017. Clearly, Americans are in a lot of debt. Take a look.


Just a couple of quick hits from the report. Total U.S. household debt rose $193 billion in the 4th quarter, to a new all-time peak of $13.15 trillion. That's 17.9% above the most recent trough in Q2 2013. Broken down by segment, what do you suppose was the largest gain in percentage terms? Credit cards, with a 3.2% increase. In the picture above, the widening gap represented by the red arrows reflects the fact that non-housing debt is rising at a faster pace than housing debt.

Here's what's troubling about that. Below is a picture of the stock market, as represented by the S&P 500 index, over that same period; from the most recent credit trough in Q2 2013 to the end of 2017.


And thus, the title of this article. Over that period, the S&P 500 index rose by 75%; from roughly 1,600 to 2,800. Apparently, however, the r…

Solid Anchors For Your Portfolio

I just finished an educational series of articles for Seeking Alpha on the topic of solid anchors for your portfolio.

I opened one of the articles with this introductory paragraph:
Just as literal anchors are used to save sailing vessels from shipwreck, certain key concepts or "anchors" can go a long way towards saving your investment portfolio from metaphorical shipwreck. Since, in this modern 21st century, many of us depend on our investments to help carry us through our retirement, this becomes a matter of some importance.
In the three articles, I discuss the anchors of low expenses, diversification, and dividends. In each case, I explain the importance of the selected anchor, offer an explanation of how to achieve it, and then show real-world examples of the application of each anchor in various ETF Monkey model portfolios.

This is a wonderful series of articles for both the younger or beginning investor, as well as an individual who may be of modest means and yet has the desire to reap the benefits of investing, and the power of the markets.

I encourage you to take a look. And please,take a minute to drop a comment, either in the comments section of the articles themselves or here. I'd love to know what you think.

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