Seven time-tested strategies for guiding investors and their portfolios through challenging markets and toward tomorrow’s goals.
Investors should start early by saving more, investing with discipline and having a plan for their future.
People who are 65 today have a very good chance of living to 80 or 90. But studies reveal many of us have not saved enough for the retirement years.
Large Cap Growth Fund
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Median value of retirement
assets for ages 55-64
People who think they need
more than 500k for retirement
Invest in America's fastest growing companies with the
And saving more for it.
%
68
$134,000
PLAN ON LIVING
A LONG TIME
1
Even when, like now, a lot of people are relying on it.
$837
1990
$5,000
$8,000
2019
Income earned by $100,000
investment in a 6-month CD
Income Builder Fund
Scour the world, find more yield with the
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The average rate on a traditional savings account is still well below the rate of inflation, yet more than $16 trillion in cash still sits on the sidelines.
Cash (and cash equivalents, like certificates of deposits) still may act as a “safe haven” during volatile markets, but holding too much comes at a cost.
CASH ISN'T ALWAYS KING
2
Dec. 2020
Dec. 2020
$1,812,672
$408,003
Return with
dividends reinvested
There is no guarantee that companies will declare, continue to pay or increase dividends.
Return,
price only
Equity Income Fund's
The
conservative approach to equities pays dividends
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An initial investment of
$10,000 in 1970 in the S&P 500.
Compounding can make an exponential difference over time, compared to stock price appreciation alone.
Reinvesting dividend payments allows that money to continue to grow.
Investing in risk assets—and reinvesting dividends—can be powerful moves.
HARNESS THE POWER OF DIVIDENDS AND COMPOUNDING
3
AVOID EMOTIONAL BIASES BY STICKING TO A PLAN
Diversification does not guarantee investment returns and does not eliminate the risk of loss. Diversification among investment options and asset classes may help to reduce overall volatility.
Dalbar's study titled "Quantitative Analysis of Investor
Behavior" credits these numbers in part to badly timed -
and often emotionally driven - investment decisions.
Returns in a 60/40 stock/bond
portfolio
Average investor returns
Over 20 years
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%
6.4
%
2.9
A portfolio that included bonds saw reduced losses during the pandemic-related sell-off, enabling these diversified portfolios to recover much faster than a portfolio of stocks alone.
Investors pay a heavy cost when their feelings dictate (often poorly timed) decisions. Following a plan can cut losses when markets are down and quicken recovery when markets turn around.
In good times and bad, stay on course.
Average U.S. investor - Equity
United States
global GDP
The United States accounts for only a small fraction
of global GDP, yet the majority of U.S. investors are
putting their money into U.S.-based assets.
%
78
%
25
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Though the U.S. accounts for only ¼ of global capital markets, Americans concentrate 78% of their equity allocation at home and an even greater 84% of their bond allocation at home.
Another costly and common investing bias: investing in what’s familiar.
Don’t let biases—home-country or otherwise—sway your better judgment.
AVOID EMOTIONAL BIASES BY STICKING TO A PLAN
Global Allocation Fund
Build a strong core with the
4
%
76
ended in
positive returns
Of the last
41 years
Hedged Equity Fund
Hedge the equity market without timing it with the
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On average, the market suffers a double decline every year.
Plan on riding out volatile market periods. Pullbacks happen.
Seeing through the noise.
VOLATILITY IS NORMAL; DON’T LET IT DERAIL YOU
6
5
on a well-diversified portfolio,
over the past 15 years.
Annual return
%
Global Allocation Fund
Diversify your bonds with the
6.7
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Through it all, a diversified portfolio of stocks, bonds and other uncorrelated asset classes proved itself a winner.
In the last 15 years, the world has endured a global pandemic, multiple natural disasters, and numerous geopolitical conflicts.
Time and again, diversification serves its purpose.
DIVERSIFICATION WORKS
STAYING INVESTED MATTERS
$2,441
$42,231
Missed 60 best days
-6.81% RETURN
7.47% RETURN
Returns on $10,000 invested in the S&P 500:
January 3, 2000 - December 31, 2020
Fully invested
Seven of the best 10 days occurred within two weeks of the 10 worst days.
By missing some of the market’s best days, investors can lose out on critical opportunities to grow their portfolio. Market timing can have devastating results.
It’s always darkest just before dawn.
STAYING INVESTED MATTERS
A blend of stocks and bonds has not suffered a negative return over any five-year rolling period in the past 70 years
70 Years
stocks
%
60
bonds
%
40
While markets can always have a bad day or even year, history suggests investors are less likely to suffer losses over longer periods.
Good things come to those who wait.
67 Years
7
Get invested, stay invested with the
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STAYING INVESTED MATTERS
Hedged Equity Fund
DIVE DEEPER INTO THE DATA.
EXPLORE THE CHARTS.
EXPLORE FULL GUIDE TO THE MARKETS
EXPLORE FULL GUIDE TO THE MARKETS
EXPLORE FULL GUIDE
TO THE MARKETS
DIVE DEEPER INTO
THE DATA.
EXPLORE THE CHARTS.
Global Allocation Fund
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Get invested, stay invested with the
STAYING INVESTED MATTERS
7
67 Years
67 Years
50
%
bonds
50
%
stocks
Good things come to those who wait.
While markets can always have a bad day or even year, history suggests investors are less likely to suffer losses over longer periods.
It’s always darkest just before dawn.
By missing some of the market’s best days, investors can lose out on critical opportunities to grow their portfolio. Market timing can have devastating results.
Six of the U.S. market’s 10 best days occurred within two weeks of its 10 worst days.
Fully invested
7.20% RETURN
$40,135
Missed 60 best days
$2,834
Returns on $10,000 invested in the S&P 500:
January 1, 1998-December 29, 2017
STAYING INVESTED MATTERS
Diversify your bonds with the
Global Bond Opportunities Fund
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DIVERSIFICATION WORKS
6
Time and again, diversification serves its purpose.
In the last 15 years, the world endured multiple natural disasters and geopolitical conflicts and two major market downturns.
Through it all, a diversified portfolio of stocks, bonds and other uncorrelated asset classes proved itself a winner.
%
8
Annual return
on a well-diversified portfolio, over the past 15 years.
WATCH VIDEO
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Hedge the equity market without timing it with the
Hedged Equity Fund
5
VOLATILITY IS NORMAL; DON’T LET IT DERAIL YOU
Seeing through the noise.
Plan on riding out volatile market periods. Pullbacks hapeen.
Markets suffered double-digit declines in 21 of the last 38 years, yet still ended those years with positive returns 75% of the time.
Of the last
38 years
ended in
positive returns
75
%
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4
Seek a smoother ride in international equity markets with the
JPIN ETF
AVOID EMOTIONAL BIASES BY STICKING TO A PLAN
Don’t let biases—home-country or otherwise—sway your better judgment.
Another costly and common investing bias: investing in what’s familiar.
Though the U.S. accounts for only 1/3 of global capital markets, Americans concentrate 75% of their investments at home.
WATCH VIDEO
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35
%
75
%
The United States accounts for only a small fraction
of global GDP, yet the majority of U.S. investors are
putting their money into U.S.-based assets.
United States global GDP
Where U.S.
investors are investing
In good times and bad, stay on course.
Investors pay a heavy cost when their feelings dictate (often poorly timed) decisions. Following a plan can cut losses when markets are down and quicken recovery when markets turn around.
A portfolio that included bonds saw reduced losses during the financial crisis, enabling these diversified portfolios to recover much faster than a portfolio of stocks alone.
2.3
%
6.9
%
WATCH VIDEO
LEARN MORE
Over 20 years
Average investor returns
Returns in a 60/40 stock/bond portfolio
Dalbar's study titled "Quantitative Analysis of Investor
Behavior" credits these numbers in part to badly timed - and often emotionally driven - investment decisions.
Diversification does not guarantee investment returns and does not eliminate the risk of loss. Diversification among investment options and asset classes may help to reduce overall volatility.
WATCH VIDEO
LEARN MORE
3
HARNESS THE POWER OF DIVIDENDS AND COMPOUNDING
Investing in risk assets—and reinvesting dividends—can be powerful moves.
Reinvesting dividends lets earnings continue to earn.
Compounding can make an exponential difference over time, compared to stock price appreciation alone.
An initial investment of $10,000 in 1970 in the S&P 500.
conservative approach to
The
equities pays dividends
Equity Income Fund's
Return,
price only
There is no guarantee that companies will declare, continue to pay or increase dividends.
Return with
dividends reinvested
$298,294
$1,247,297
Dec. 2017
Dec. 2017
2
CASH ISN'T ALWAYS KING
Cash (and equivalents, like CDs) don’t offer the “safe haven” they once did.
Ultra-low interest rates mean savings currently in cash are losing value by not keeping up with inflation, yet more than $15 trillion in cash still sits on the sidelines.
WATCH VIDEO
LEARN MORE
Scour the world, find more yield with the
Income Builder Fund
Income earned by $100,000 investment
in a 6-month CD
2016
$8,000
$5,000
1990
$338
Even when, like now, a lot of people are relying on it.
Income generated
Income needed to beat inflation
1
PLAN ON LIVING
A LONG TIME
$120,000
64
%
And saving more for it.
Build a strong core with the
People who think they need more than 500k for retirement
Median value of retirement account
for ages 55-64
Global Allocation Fund
People who are 65 today have a very good chance of living to 80 or 90. But studies reveal many of us have not saved enough for the retirement years.
Investors should start early by saving more, investing with discipline and having a plan for their future.
WATCH VIDEO
LEARN MORE
Seven time-tested strategies for guiding investors and their portfolios through challenging markets and toward tomorrow’s goals.
$2,200
-6.11% RETURN
A blend of stocks and bonds has not suffered a negative return over any five-year rolling period in the past 67 years
The second worst day of 2020 – March 12 – was immediately followed by the second best day of the year.
From the 1980s to 2000's, the income generated from a CD outpaced inflation.
1980s
1990s
2000s
$9,970
$5,500
$5,420
$3,010
$3,310
$2,570
Since the 2010s, the income from a CD has not been enough to beat inflation.
2010s
2020
$500
$1,770
$430
$1,250
THEN
NOW
Income earned on a $100,000 investment in a 6-month CD
Income needed to beat inflation
THEN
NOW
84
%
Average U.S. investor - Bonds
Where U.S.
investors are investing
Six of the U.S. market’s 10 best days occurred within two weeks of its 10 worst days.