U. S. Indexes Returns % 27% 27% 27% 15% 26% 34% 36% 37% 37% 36% High Yield Corporate Bonds
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1 JVL Associates, LLC NEWSLETTER DECEMBER was another good year in the markets. The U.S. stock market performed well in comparison to the world markets. Stocks outpaced bonds as investors were rewarded for taking on risk. Looking at the 2008, 2009 and 2010 returns of various asset classes both domestically and internationally, we see just how the markets performed over the last three years. 70% [1] U. S. Indexes Returns % 50% 30% 10% 14% 13% 16% 6% 8% 2% 37% 27% 27% 27% 26% 27% 28% 19% 17% 10% 4% 2% 3% 30% 50% Treasury Municipal Investment Grade Corporate 26% High Yield Corporate 34% 36% 37% 37% 36% Russell 2000 Index (Small S&P 400 Index (Mid S&P 500 Index (Large NAREIT Index (Real Estate Stocks) DowJones / UBS Commodity Index [2]
2 Page 2 [3] International Equity Markets Returns % 100% 104% 63% 79% 129% 103% 105% 50% 0% 33% 37% 16% 22% 6% 8% 5% 19% 7% 21% 19% 50% 100% 29% Japan Foreign Developed Countries 43% 46% 51% 51% 51% 56% Developed Europe Latin America China Foreign Emerging Market Countries 65% 74% Brazil India Russia Putting 2010 into perspective with history we find that the year was more in line with normal as the following chart demonstrates: [4]
3 Page 3 The U.S. stock market (S&P 500) reached its all time high on October 9, Over the next 17 months, through March 9, 2009, the market experienced a 57% decline. Since that time, the market has continued to climb its way back, increasing 85% from the lows, but ending 2010 still down 20% from the October 9, 2007 high. 1,600 1,565 Standard & Poors 500 Oct 9, 2007 Dec 31, 2010 [5] 1,400 1,258 1,200 1, As we look forward to 2011, we recognize that both the Bears and the Bulls have facts that support their positions. All is not gloom and doom, but neither is it all rosy. The Bear s position is easy to see. The massive debt problems have not gone away, housing issues continue and unemployment numbers are still too high. But the Bulls have their facts as well. U.S. Corporations are reaping the benefits of past cost reductions by enjoying record profits. Many of the large U.S. corporations are growing their sales and profits overseas. Corporations continue to hold large amounts of cash, estimated to be $1.2 trillion, [6] to help weather temporary downturns. As the economy improves more of that cash can be put to work to maximize shareholder returns. The U.S. consumer is coming back to life. U.S. households have enhanced their balance sheets over the last two years by reducing their consumer debt and increasing their savings rates. The recent tax package approved by Congress and signed by the President reduces by 2% the amount employees pay in social security taxes. This amounts to a 2% pay increase for every working American. As households gain confidence in their family finances their spending grows. That bodes well for the stock market.
4 Page 4 Low interest rates and low inflation are both good for the economy over the short run. The U.S. is experiencing both right now and this is expected to continue for the foreseeable future. And the world is bigger than the U.S! Emerging economies are growing at a rate fast enough to move more and more families into the middle class. That results in more spending in those countries much of it to increase the standard of living for millions of families. Our investment philosophy has always been to seek return and minimize risk through the strategic use of multiple asset classes. We take advantage of strategies that incorporate fixed income, equity, real estate and commodity asset classes and blend them into portfolios that can endure the inevitable ups and downs in the markets. Our techniques have served our clients well and we are well positioned for We are humbled by the opportunity to serve our clients and appreciate the trust and confidence they place in us. If you know of someone who could benefit from our services please let us know. We look forward to the New Year! By: Jerry VanderLugt CPA CFP
5 Page 5 References [1] Information obtained from the following sources: Fidelity Investments, Market Analysis, Research & Education Market Update - page 37 Morningstar Pricipia Pro for Mutual Funds, December 31, 2010 Fidelity Investments, Market Analysis, Research & Education Market Update - page 7 Pacific Investment Management Company, LLC - Benchmark Returns December 31, 2009 Fidelity Investments, Market Analysis, Research & Education Market Update - page 6 Morningstar Pricipia Pro, December 31, 2008 Wall Street Journal, January 2, 2009 [2] Information obtained from the following sources: Fidelity Investments, Market Analysis, Research & Education Market Update - page 24 Fidelity Investments, Market Analysis, Research & Education Market Update - page 28 Fidelity Investments, Market Analysis, Research & Education Market Update - page 26 [3] Information obtained from the following sources: Fidelity Investments, Market Analysis, Research & Education Market Update - pages 30 & 31 Fidelity Investments, Market Analysis, Research & Education Market Update - pages 35 & 36 Fidelity Investments, Market Analysis, Research & Education Market Update - pages 32 & 33 [4] Information obtained from the following sources: Morningstar Pricipia Pro for Mutual Funds, December 31, 2010 Pacific Investment Management Company, LLC - Benchmark Returns December 31, 2009 Ibbotson SBBI 2008 Classic Yearbook - pages Morningstar Pricipia Pro, December 31, 2008 [5] - S&P 500 Historial Returns [6] Oppenheimer Funds Capital Market Perspectives as of 12/31/10 - page 7 Financial Planning, Wealth Management and Investment Advisory Services th Street SW, Suite 400 Wyoming, Michigan
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