Archives for April 20, 2017

Callan Investment Returns Ranked by Asset Class 1997-2017

“The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone.”

callan2016clipWe’ve all been told that past performance is no guarantee of future returns, but it’s still hard to buy an investment that has been performing poorly. We need to remember the historical power of diversification and that even though something may look horrible now, good news may be just around the corner.

Callan Associates updates a “periodic table” annually with the relative performance of 8 major asset classes over the last 20 years. You can find the most recent one at their website Callan.com, with access to previous versions requiring free registration.

Every calendar year, the best performing asset class is listed at the top, and it sorts downward until you have the worst performing asset. Here is the most recent snapshot of 1997-2016:

callan2016

The Callan Periodic Table of Investment Returns conveys the strong case for diversification across asset classes (stocks vs. bonds), investment styles (growth vs. value), capitalizations (large vs. small), and equity markets (U.S. vs. non-U.S.). The Table highlights the uncertainty inherent in all capital markets. Rankings change every year. Also noteworthy is the difference between absolute and relative performance, as returns for the top-performing asset class span a wide range over the past 20 years.

I find it easiest to focus on a specific color (asset class) and then visually noting how its relative performance bounces around. This year, I note that Emerging Markets (Orange) tends to either run really hot or cold. For the past 4 years, Emerging Markets has been near the bottom. MSCI EAFE (Developed Foreign Stocks, Light Grey) have also been doing relatively poorly. I still hold them as they will one day bounce back to the top.

Apple iWork Suite, iMovie, and GarageBand Now Free on Mac and iOS

“The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone.”

iworkIf you have an older Mac OS or iOS device, it may be nice to know that Apple has made their iWork productivity suite, iMovie, and GarageBand apps free to download for all users. These apps come free with new hardware, but users with old hardware had to pay $5 to $20 for each individual app. For example, a family member is still using my Mac Mini from 2009 just fine. Visit the Mac or iOS App store to download.

iWork competes with Microsoft Office. Pages is a word processor app like Microsoft Word. Numbers is a spreadsheet app like Microsoft Excel. And Keynote is a presentation app like Microsoft PowerPoint. iMovie edits video and GarageBand edits music.

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