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1st Quarter 2025 - Spring Newsletter

By Jeff Hybiak, CFA • April 03, 2025 • 0 Comments
1st Quarter 2025 - Spring Newsletter

Proper Expectations are Key

Over the long-term, the S&P 500 has averaged a 10% return. Over the past 8 years, we’ve seen 5 years of 20%+ returns, including the past two years. Stocks also posted losses of 4% and 18% in 2 other years. When investing, one

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Newsletter

Conflicting Goals - MMM v6-13

By Jeff Hybiak, CFA • March 31, 2025 • 0 Comments
Conflicting Goals - MMM v6-13

Markets move in cycles. This is obvious to anybody who has tracked the market for more than a few years. Part of each cycle is the "driver" of the move (up or down). The bulk of 2023 and 2024 was on mega-cap tech stocks and AI in particular. Following the

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Musings,Oil,inflation

Work as Cultivation (God's Plan for Work) - Part 3

By Courtney Dent • March 26, 2025 • 0 Comments
Work as Cultivation (God's Plan for Work) - Part 3
"And God blessed them. And God said to them, 'Be fruitful and multiply and fill the earth and subdue it, and have dominion over the fish of the sea and over the birds of the heavens and over every living thing that moves on the earth.'" - Genesis 1:
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Cornerstone,Every Good Endeavor

Painful, but Necessary - MMM 6-12

By Jeff Hybiak, CFA • March 24, 2025 • 0 Comments
Painful, but Necessary - MMM 6-12

Nobody likes going through anything uncomfortable. That's just human nature. This is also true when investing.

Over the long-term, stock market returns have averaged around 10% per year. This is true whether you go back to 1990, 1950, or even 1926. When you start investing the 10% sounds great. What

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Musings,Deficits,DOGE,Trade War,Valuations

Corrections - MMM v6-11

By Jeff Hybiak, CFA • March 17, 2025 • 0 Comments
Corrections - MMM v6-11

For old people like me who remember getting the newspaper every morning, there was a section on the inside of the front page titled "Corrections". This was the place where if necessary, the publication would fix anything that was printed previously which ended up not being true. Remember back in

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Musings,Correction,Consumer Sentiment
Page 11 of 163

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About the Blog

The purpose of SEM’s Traders Blog is to provide simple explanations about the current market environment. It is designed to give advisors talking points about the market and for individual investors to better understand what is happening.

Each week SEM posts a Chart of the Week to illustrate one aspect of the market in a different way than you might hear in the mainstream financial media. Throughout the week other posts will be made depending on the volatility, news events, or changes in SEM’s Scientifically Engineered Models​

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This site is for INFORMATIONAL PURPOSES ONLY. The comments and posts published in the SEM Trader's Blog ARE NOT investment recommendations. They can NEVER be considered as trading calls or advices. If you decide to use the information offered here for your real trading it is at your own risk. CFA® and Chartered Financial Analyst® are registered trademarks owned by CFA Institute.

Investing in the stock or bond markets involves risk and may not be suitable for all investors. Before making any investment decisions you should carefully consider your investment objectives, level of experience and risk appetite. The possibility exists you could sustain a loss of some or all of your initial investment and therefore you should not invest money you cannot afford to lose. You should be aware of all the risks associated with your investments and seek advice from an independent financial advisor if you have any doubts. All investments involve risk including those managed by SEM Wealth Management.

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