The number of stocks rising lately has increased even though this year’s winners have taken a breather. A bull’s dream is for the broader market to keep trending higher as investors rotate like this underneath the surface.  Small caps and non-Mag 7 stocks have fully participated in the recent rally.  Both groups have catching up to do as it has been a lost decade for many stocks in these categories.

At current levels, the small-cap index (Russell 2000) is at the same level it was at more than four years ago, so small caps have been dead money for some time.  It has been about 950 trading days without a new all-time high, the third-longest drought on record (source:  Bespoke Investment Group).  Small caps won’t underperform forever.  They need lower interest rates and a strengthening economy to get their mojo back, among other factors.

Many non-Mag 7 stocks have underperformed the Mag 7 for a decade.  According to the Bloomberg 500 Index, the Mag 7 index is up 2800% versus a gain of just 129% for the non-Mag 7 since 2015 (source:  Bespoke Investment Group).  Most of the market’s huge gain over the last 10 years has come from the Mag 7.

Looking at investor sentiment, individual investors didn’t seem to get the message that stocks are at an all-time high.  Bullish sentiment in the weekly AAII survey (American Association of Individual Investors) dipped back below 30% last week, while bearish sentiment jumped to 46.2%.  This is upside down.  Historically, in weeks when the S&P 500 hits a new high, the AAII bull/bear spread heavily favors bullish sentiment.  Bears complain of investor complacency but the AAII survey suggests the opposite.

Finally, after the in-line CPI was announced last week, Fed Fund Futures were pricing in a 99.9% chance of a Fed rate cut at the September Fed meeting.  That is as close to a guarantee as it gets.  However, after the hot PPI reading, odds have been reduced to 88%, still a very high probability.  We expect a 25 basis point cut in September.

Earnings season is almost over and it has been a very good one. Beat rates for both earnings and revenues were well above average.  Guidance was also strong as twice as many companies raised guidance as lowered guidance.  Bad guidance saw stocks get crushed.  The average stock cutting guidance this season dropped an astounding 10.2% on announcement day (source:  Bespoke Investment Group).

For the season, corporate earnings grew 11.8% year-over-year versus an expectation of 5.0% coming in (source:  FactSet).  This upside surprise has propelled the stock market to all-time highs.  Profit margins have soared and are now at 13% as shown in the graph below:

          

Source:  LSEG

The historically high profit margins show that tariffs have not impacted corporate profitability to any large degree – at least not yet.

One caveat is that outside of the Mag 7, earnings growth this quarter was only in the low single digits.  This has to get better for the broader market to continue to rally like it did last week.

Here are two market developments increasing demand for stocks – new issues and stock buybacks.

The IPO market is sizzling after a number of years when new issues were few. It is a sign animal spirits are back.  A strong IPO market is typically a bullish signal.  Many recent IPOs have had very strong performance, including Figma’s explosive start (up 250% on its first day of trading).  Companies are lining up to go public in fall and 2026.

Second, U.S. companies are expected to repurchase $1.1 trillion of their own stock in 2025, according to Birinyi Associates.  This would be the most since data started in 1982.  Companies are flush with cash given good earnings, and many see their stocks representing good value.  The buybacks are led by tech stocks with $100 billion pledged by Apple and $70 billion from Alphabet.  Big banks are also big buyers – $50 billion by JP Morgan Chase and $40 billion from Bank of America.

STOCK RETURNS CRUSH BONDS

We recently came across an investment performance study by Bespoke summarizing stock and bond returns over the last 20 years.  The results are eye-opening because of the magnitude of the difference.

Starting with S&P 500, the 17% gain over the last year is about 6% better than the long-term average, while the roughly 20% annualized gain over the last two years is nearly double the long-term average.  Five and ten year returns are also well above the long-term average, while the 20-year annualized return is just barely below average (due to the Financial Crisis bear market in 2008).

For long-term U.S. treasuries (B of A/Merrill Lynch 10+ year Treasury Index), performance has been incredibly weak with annualized returns over one, two, five, and ten year periods all negative.  Talk about a lost decade.  The 20-year return is positive, but at 3.2% annualized, it ranks as the weakest of any 20-year period on record.

What lessons can investors learn from these historical returns?  Here is our take:

1)  Avoid long-term bonds.  Buy short-term bonds instead.  In many market environments, the income yield for short-term bonds is about the same as long-term bonds but price volatility is a lot less.  When rates rise, short-term bond prices are fairly stable.  Long-term bond prices can get crushed.

2)  In balanced accounts, there should be a full allocation to stocks (based on risk tolerance, of course) even given the volatility of stocks.  Remember, volatility is not risk.  Volatility hurts only when investors are forced to sell at market bottoms.  Otherwise, volatility presents opportunities to buy stocks cheaper and upgrade portfolios.

3)  Stocks are the way to go to hedge against inflation.

Knowledge – Results

Experts in Risk Management

Are you prepared for the next market correction or financial crisis?

Knowledge – Results

Experts in Risk Management

Are you prepared for the next market correction or financial crisis?

Knowledge – Results

Experts in Risk Management

Are you prepared for the next market correction or financial crisis?

Knowledge – Results

Experts in Risk Management

Are you prepared for the next market correction or financial crisis?

Real Retirement Solutions

designed to improve
  • Wealth Preservation
  • Management of Risky Assets
  • Peace of Mind

This is achieved through an ongoing assessment of market risks given your specific financial situation and goals.

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Professional Expertise

Leadership Team

Richard Furmanski

Richard Furmanski

CFA

has been a portfolio manager and analyst for over 35 years. He manages conservative, tax-efficient portfolios for both pre-retirees and retirees. His lower risk approach appeals to investors who want less volatility and competitive risk-adjusted returns.

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Mary Ellen Adam

Mary Ellen Adam

Director of Operations

has been in office administration for over twenty years. Her experience includes customer service, firm operations, and office administration. She interacts with our clients on a day-to-day basis and handles any requests that may arise.

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Frequently Asked Questions

If you can't find the answer to your questions here, feel free to give us a call at 847-847-2505

Do you manage both stock and bond portfolios?

Yes. We build a portfolio of conservative, high-quality stocks and hold them for the long-term. The average holding period is 4 – 5 years. Our focus is on stocks that are suitable for retirement portfolios.

Our high-quality bond portfolios are designed to provide both income and stability of principal. Bonds provide the anchor for balanced accounts (those holding both stocks and bonds).

What is your investment philosophy?
We take great care in purchasing only high-quality stocks and bonds intent on a multi-year holding period. Portfolio turnover and taxable realized gains are modest in comparison to other active managers. We do not time the market but will become more defensive, in terms of stock holdings, when market conditions warrant.
Will the portfolio be managed in accordance with my financial goals?
Yes. Each of our clients has a custom-tailored portfolio. These custom portfolios are designed to meet specific client objectives with a thoughtful approach to specific constraints such as risk tolerance. And as each client’s situation changes, the portfolio does as well. There is no cookie cutter approach.
What kind of expertise do you have and how can that help me in difficult markets?
We have been working with high-net-worth clients like you since 1982. Over that time we have helped them to navigate several bear markets and financial crises (including the stock market crash of 1987). We hold the Chartered Financial Analyst (CFA) and Certified Financial Planner (CFP) designations.
Are you sensitive to taxes when managing portfolios?
Yes. Our holding period for an individual stock averages 4 plus years which means our turnover is low and realized gains can be carefully managed. Further, where possible, we tax loss harvest small losses as a way of offsetting gains taken elsewhere in the portfolio.
How have you performed?
Results will differ by client and the level of customization but we have provided competitive investment returns for many years.
How do you charge for your services?
We charge a management or consultant fee based upon the size and level of customization of the account. As the account grows, we benefit together.

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