Executive Summary
- Retail investors were down over 35% on average in 2022 as they chased into overvalued and speculative assets that did well in prior periods.
- 2022 was generally difficult for even conservative and balanced portfolios.
- Wall Street insists on performing the fool’s errand of making12-month return forecasts and got it very wrong in 2022.
- 12-year outlook for stocks and bonds.
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