Individual Investors are often pushed to emotional extremes of optimism and pessimism.  Investors become less aggressive after a negative year in the market only to miss out on higher returns later.  Such is the case when 2022 came to an end and the stock market had punished investors with a -18% return.  To make matters

And then 2022 happened!  A year investors will remember for a long time.  The year brought us arguably the worst calendar year for bonds, ever.  Much can be blamed on rising inflation and the Fed’s delayed response in pivoting away from expansionary monetary policy.  While investors enjoyed the easy money made in 2020 and 2021