2018 Year End Review

 
 
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“It’s the steady, quiet, plodding ones who win in the lifelong race.” – Robert W. Service

The year 2018 is over, and what is most interesting is how different it was from the previous year 2017.  This is a good reminder that every year is different, and 2019 will not necessarily follow the negative and volatile 2018.

When I write or say something like that, I inevitably hear from someone who says “yeah, but it’s different this time.  Everything has changed because of X, Y, and Z”.  In my almost 28 years working with clients, the fundamentals of diversification,time horizon, and complementary financial decisions around your portfolio have remained the same.  And no, it’s not different this time.  I’ve been hearing that for 28 years.