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    • Home
    • Podcasts
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  • Home
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  • Contact Us
  • Who we Are
  • Todd's Blog
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Welcome to Sjoberg & Holmstrom, LLC, Insurance Services

Welcome to Sjoberg & Holmstrom, LLC, Insurance Services Welcome to Sjoberg & Holmstrom, LLC, Insurance Services

August 13th, 2022

Hidden obstacles that can snag your retirement


Why are gas prices falling


Tech support fraud



August 6,

What Medicare doesn't cover


Strategies to recession proof your finances


Best money moves after the Fed interest rate hike


What the rate hike means for you and your finances

July 30, 2022

Terms every investor needs to know


How to retire alone


How to achieve a Happy retirement


July 23, 2022

Setting up and uses of Social Security online


What to do with old 401(k)'s

Downloads

Scams

Scams (pdf)Download

Real Rate of Return

 S & P 500 started out January 3rd, 2022 at 4,796 as of August 12, 2022 it’s at 4,280. The annual, to date, point to point Rate of Return is -10%  If you figured in the highs and lows, the actual Rate of Return is -13%.

If using the Dow Jones Industrial Average for the benchmark, January 3rd, 2022 started at 36,585 and as of August 12, 2022 the Dow is at 32,803 an annual, to date, point to point Rate of Return is - 7%. If you figured in the daily highs and lows the actual Rate of Return to date is - 9%.   


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