It is ironic that the relative strength of international stocks versus U.S. stocks bottomed right when the “Make America Great Again” president was inaugurated.  But that is exactly what happened.  There has been a wide performance disparity that has emerged this year between the U.S. and many international markets, including Europe, with U.S. markets underperforming. 

Are we missing something?  Should we add overseas investments now, including Europe, if for no other reason than to diversify away from the U.S. drawdown in stock prices?  In a word, no.  Europe, for example, offers little growth.  Sure, valuations are cheaper, but they should be because of the lack of growth in real GDP and earnings.  In fact, Germany and the U.K. are showing negative real GDP growth this quarter.  Many international markets have been strong partly because U.S. advisors are advising their clients to invest abroad.  Keep in mind this is the first time many international markets have outperformed the U.S. since 2008.

We are a U.S.-centric manager.  We are not against buying international stocks (via American Depository Receipts or ADRs), but will do so only if the fundamentals and valuation are extremely attractive.  We have owned a number of international stocks over the years but look to invest in the U.S. first.  This is where there is growth.

WHAT JUST HAPPENED?

There is almost always a fundamental concern that starts a correction (10% off a high), something the bears can sink their teeth into.  This time it is tariffs and a trade war.  While most businesses and consumers would likely agree with the overall objectives of the Trump administration, it has been difficult to sometimes make sense of proposed actions, creating a level of uncertainty around the economy not seen since COVID five years ago.

Investors have two primary fears about the potential results of tariffs:  the possibility of recession and higher inflation.  Many investors see a trade war slowing growth for all participating countries, including the U.S.  The fear is this will result in a U.S. recession.  Second, tariffs are a tax on the consumer so they may result in higher U.S. inflation, tying the hands of the Fed and possibly delaying further rate cuts.  Some even think the Fed may have to reverse course and raise rates to battle higher prices.  And then there is the possibility of both recession and higher prices resulting in stagflation – the worst case scenario.

Are these fears justified?  First, with regard to recession, we don’t think so.  The economy is slowing but still strong.  To go from mid-2% real GDP growth in 2024 to sub-zero growth would be surprising, absent an event like COVID.  Many reputable economists on Wall Street are downgrading 2025 U.S. GDP growth from a consensus of 2.2% to 1.7%, hardly in recession territory.  As far as inflation, yes, short-term inflation will probably rise if producers don’t eat the tariffs.  This is what we are concerned about, not recession.

This seems to be a classic example of the market leaping to a worst-case, low-probability scenario.  Shoot first, aim later seems to be the motto of the market.  The fears are overdone in our view, and so is the market turbulence.  After three-plus weeks of decline, the market is grossly oversold.  This means the market is overdue for a snap-back rally.  Maybe last Friday was the start of it.

Jittery investors are forgetting that fundamentals, earnings growth, and valuation are all attractive here.  Yes, the economy, including jobs growth, is slowing but still healthy.  Unemployment remains at 4%. 

Earnings growth projections are solid: 11.5% for 2025 and an accelerating 14.2% for 2026.  As a result, valuations are reasonable here.  Here is a valuation recap:

                                                                                                Approximate Forward Price/Earnings Ratios

                                                                                                2025                                                       2026

S&P 500                                                                                19.91                                                      17.5

S&P 493 (ex-Mag 7)                                                          17.0                                                        15.0

1down from 21.5x at 2024 year-end

Source:  FactSet

The Mag-7 stocks have higher-than-market forward P/Es (high 20s), but projected earnings growth is much higher for Mag-7 stocks.  The remaining S&P 493 stocks have lower P/Es than the overall market.

These P/E ratios compare to the five-year average of 19.8x and the 10-year average of 18.3x.  Stocks are at attractive levels from our point of view.

It is also interesting to us that investor sentiment is on its back.  The recent AAII release (American Association of Individual Investors) showed bearish sentiment above 55% for the third straight week which has occurred only one other time – right before the March 2009 low.  Fortunately, sentiment is considered a contrarian indicator meaning bearish sentiment would imply stronger forward returns and vice versa.

Bull markets that make it two years typically last an average of five.  The year after the second anniversary has tended to be relatively weak, like now.  The second anniversary of this bull market was five months ago and following the trend, the market has run into turbulence.  Long-term investors should stay invested even during corrections.  To ensure competitive returns over many years, investors need to participate on the strong up days, like last Friday.  The big up days account for a large part of returns.  For example, the 10 biggest up days in 2024 accounted for 20% out of the S&P 500’s 23% return.

We are buyers of stocks here, not sellers.  Long-term returns improve when you buy stocks that are on sale.  There are a number of high quality growth stocks 15-25% off their 52 week highs.  We are finding attractive new ideas as well as adding to existing holdings that have been caught up in the recent market correction.

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.

Get Started

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.

View full bio

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.

View full bio

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.

Recent Commentaries

Stay up to date with all of our latest comments and analysis.

April 2025 Market Commentary

IS IT ONLY TARIFFS? The blame for the market’s drop lies squarely on the shoulders of tariffs.  During the period when...

March 2025 Market Commentary

Here are our final thoughts on the just completed earnings season for Q4 ’24. Both the EPS and revenue beat rates were very solid.  Of course, earnings are, in part, a lagging indicator.  They don’t necessarily tell us much about what happens next.  Guidance helps...

February 2025 Market Commentary

One of the risks equity investors face is “headline risk.” Headline risk is being surprised (blindsided) by a bad news headline.  It can be stock specific or relate to the entire market.  Yesterday, investors got a dose of headline risk with news that a Chinese...

January 2025 Market Commentary

The S&P 500 has had a 20%+ return for two years in a row. It has only rallied 20%+ in back-to-back years three other times in history.  Last year’s advance was mostly smooth without a 10% correction along the way.  The ‘Mag 7’ now account for a third of the...

Monthly Updates

April 2025 Mid-Month Recap

The shares of Apple common stock peaked just after Christmas and then lost a third of their value in less than four months. They have since recovered about 17%.  There are many stocks that have been more volatile but Apple is the largest company by market value in the...

February 2025 Mid-Month Recap

Earnings season so far has recorded the strongest year-over-year earnings growth since 2021. Revenue and earnings beat rates are solid but share price reactions have been muted.  Instead, investors are focused on outlooks which are starting to sour.  This is of...

As a current or near term retiree you have real concerns…

We provide dedicated solutions
Contact Us