January 2016
Hope the Holidays were good to you and yours. The Market: After the gung-ho last 6 years, in 2015 the market finally took a breather, essentially treading water, with international markets going down slightly[i]: US stock market +0.36% (Vanguard Total Stock Market, VTI) International Markets -4.18% (Vanguard Total International Stock ETF, VXUS) Bonds +0.56%…