Seven words describe the 2018 equity markets:  An escalator up and an elevator down! 

The fourth quarter of 2018 proved to be challenging with the S&P 500 retracing more than it gained during the first nine months of the year.  It is perhaps this fact that makes the fourth quarter so emotional for investors as the psychological impact of the quarter greatly overshadows the actual full year negative return—it hurts more because it happened relatively quickly.

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