Support on this site for Internet Explorer 9 and Internet Explorer 10 will end on April 18, 2018. You must update your browser prior to then to continue accessing and UBTgo Online Banking. Learn More Here >>
All UBT branches and our Customer Support Team will be closed on Easter Sunday

Staying Realistic During Fluctuations

Jeff Aldrich,

September 02, 2015

Retiring Your Way, Growing Your Wealth, Managing Your Money


Since the "Great Recession," we’ve seen a number of years where equity returns have been above average. In fact, since the S&P 500’s low in March 2009, it has risen more than 200%. Over the past 30 years the S&P 500 has averaged above 12% per year and the Barclays U.S. Aggregate Bond Index as averaged above 7% per year.

It’s important to remember that below-average years do occur and to keep our market expectations realistic. According to J.P. Morgan Asset Management, in 19 of the last 35 years, markets suffered a decline of 10% or more, and in all but two of those 35 years, markets saw a 5% decline or more.

Not every investment performs well every year or moves in the same directions as other investments. Having a well-diversified portfolio of stocks and bonds can help smooth fluctuations in your portfolio over time.

Financial Factoid: Debt Concerns

The 2015 Retirement Confidence Survey from the Employee Benefit Research Institute found that 13% of workers and 9% of retirees (down from 20% and 16%, respectively, last year) report their level of debt is a major problem. An additional 38% of workers and 22% of retirees call debt a minor problem, the study showed.

Have more questions? Comment below.

Back to Top

Add new comment

This blog article is for informational purposes only, and is not an advertisement for a product or service. The accuracy and completeness is not guaranteed and does not constitute legal or tax advice. Please consult with your own tax, legal, and financial advisors.