Let’s answer this question by studying the following chart. Stay with it – it looks confusing, but, it’s really not. Since 1980, 76% of the time investors in the S&P 500 would have received a positive return despite an average intra year DROP of 14%. The average return during the period was over 12%! Should you monkey with trying to time the market? You just answered the question!

Chip Explains: FICO Scores
Hello, fellow financial explorers! Today, we’re diving into the fascinating world of credit scoring, with a particular focus on the superstar of the game: the