It’s Been 10 Years Since the 2008 Crash. Now What?

April 17, 2018


It’s Been 10 Years Since the 2008 Crash. Now What?

The investment world is about to experience a dramatic shift, and it will affect every strategy and money decision going forward. It will be silent and deadly to the uninformed, but virtually no one will pay attention to it.

And it’s all about history.

We quote the number of times just about anything has happened: crashes, run-ups, earnings misses, revenue beats… The list of historical indicators is endless.

But, by law, none of the above can be used to predict future results. (We’ve all seen the fine-print disclaimers that say “Past performance is no indication of future success.”) Still, every money manager, mutual fund manager or just about anyone in the business will tout their record as proof of their expertise and success.

If a mutual fund or ETF has a particularly good year, its marketing team will push you to its one-year return as a sales tool. However, that means nothing. And a good year is often the precursor to a really bad one.

For my money, the longer the data trail, the more confident I am. But that level of confidence may change dramatically in 2018.

This year is the 10th anniversary of the 2008 crash. That means the horrible numbers from the crash will fall out of 10-year averages. As the bad numbers fall off the 10-year radar, all averages will see a spike.

It’s simple math. Take out the horrendous losses of 2008 and those 10-year numbers have to bounce. In fact, with just a few minor blips along the way, the market and corporate numbers have moved virtually straight up since March 2009.

That is not a realistic picture of how markets or the economy move. Without the 2008 numbers, everything will look more positive than I am comfortable with.

Here’s why it matters to the gray-haired.

That dark chapter will have been erased from the record books. Every manager will be touting the new, higher returns and turning a blind eye to the past.

The higher returns everyone will post will not tell the whole story. And as this market rages on, it will be too easy to forget how bad it was. You can bet the Street’s marketing machine will be making the most of the new, higher averages.

As retired persons, we have no way – and too little time – to recover from another collapse. We can’t afford to forget or get caught up in the yahoo of new highs on the indexes.

Be a cynic and question every number! If you plan on making it to the end of this race with enough money to pay your bills, you better be damn cynical… starting with the new, glowing 10-year averages.

Don’t let the marketers paint too rosy of a picture.

Good investing,


  1. oprol evorter

    Hi, I think your site might be having browser compatibility issues. When I look at your website in Safari, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, fantastic blog!

  2. Crave Canada

    I just could not depart your site prior to suggesting that I really enjoyed the standard info a person provide for your visitors? Is going to be back often in order to check up on new posts

  3. Cusco Sunrise

    We are a group of volunteers and opening a new scheme in our community. Your web site provided us with helpful information to paintings on. You've done an impressive task and our whole group can be grateful to you.

  4. Triston

    Hi, very nice website, cheers! ------------------------------------------------------ Need cheap and reliable hosting? Our shared plans start at $10 for an year and VPS plans for $6/Mo. ------------------------------------------------------ Check here:

  5. arbitrage

    I appreciate, cause I found just what I was looking for. You've ended my 4 day long hunt! God Bless you man. Have a great day. Bye

  6. Hey just wanted to give you a quick heads up. The text in your article seem to be running off the screen in Ie. I'm not sure if this is a format issue or something to do with internet browser compatibility but I thought I'd post to let you know. The layout look great though! Hope you get the issue fixed soon. Many thanks

  7. Some genuinely excellent content on this internet site, appreciate it for contribution. "Once, power was considered a masculine attribute. In fact, power has no sex." by Katharine Graham.

  8. Howdy! I could have sworn I've been to this site before but after reading through some of the post I realized it's new to me. Nonetheless, I'm definitely glad I found it and I'll be book-marking and checking back frequently!

  9. market forecast

    I love your blog.. very nice colors & theme. Did you make this website yourself or did you hire someone to do it for you? Plz reply as I'm looking to create my own blog and would like to find out where u got this from. thanks a lot


    Hi, i believe that i saw you visited my weblog so i came to “return the desire”.I am trying to in finding issues to improve my website!I guess its ok to make use of a few of your concepts!!

  11. check these guys out

    you're really a good webmaster. The web site loading speed is incredible. It seems that you are doing any unique trick. Also, The contents are masterpiece. you've done a great job on this topic!

  12. xxx

    These are genuinely enormous ideas in concerning blogging. You have touched some pleasant factors here. Any way keep up wrinting.

  13. adipex kaufen

    Some times its a pain in the ass to read what blog owners wrote but this website is real user genial! .

  14. this link

    You really make it appear really easy along with your presentation but I to find this matter to be actually one thing that I feel I would by no means understand. It sort of feels too complicated and extremely large for me. I'm taking a look forward on your subsequent put up, I?¦ll attempt to get the grasp of it!

  15. links

    Some genuinely wonderful work on behalf of the owner of this web site, absolutely outstanding content material.

  16. great site

    What i don't understood is if truth be told how you're now not really much more neatly-preferred than you might be now. You are very intelligent. You recognize thus considerably when it comes to this topic, made me personally consider it from numerous various angles. Its like women and men don't seem to be involved until it is something to accomplish with Woman gaga! Your personal stuffs outstanding. At all times take care of it up!

  17. try url

    Hiya! I know this is kinda off topic but I'd figured I'd ask. Would you be interested in trading links or maybe guest authoring a blog article or vice-versa? My website discusses a lot of the same topics as yours and I think we could greatly benefit from each other. If you're interested feel free to shoot me an e-mail. I look forward to hearing from you! Great blog by the way!

  18. Hawaii Car Shipping

    You got a very great website, Gladiola I detected it through yahoo.

  19. blog

    It is actually a nice and useful piece of info. I am happy that you just shared this useful info with us. Please keep us up to date like this. Thanks for sharing.

  20. check this

    Hello. remarkable job. I did not expect this. This is a fantastic story. Thanks!

  21. Buy Methenolone enanthate

    It's best to take part in a contest for one of the best blogs on the web. I will advocate this site!

  22. websites

    Heya i am for the primary time here. I came across this board and I in finding It really helpful & it helped me out much. I hope to give one thing again and aid others such as you helped me.

  23. find out more

    You have brought up a very superb points, thanks for the post.

  24. You completed a number of good points there. I did a search on the topic and found mainly persons will have the same opinion with your blog.

  25. Connecticut Car Shipping

    I am thankful that I observed this weblog, precisely the right info that I was searching for! .

  26. anabolika kaufen

    Just want to say your article is as astounding. The clearness for your post is just nice and that i could assume you are an expert on this subject. Well together with your permission allow me to grab your feed to stay updated with approaching post. Thanks a million and please keep up the rewarding work.

  27. Vickers Hydraulic Vane Pump

    Perfectly indited subject matter, thanks for entropy.

  28. Workshop high tea maken

    Do you have a spam problem on this site; I also am a blogger, and I was wondering your situation; many of us have created some nice practices and we are looking to exchange strategies with other folks, please shoot me an e-mail if interested.

  29. Acquistare Salbutamol

    That is really attention-grabbing, You are a very professional blogger. I've joined your feed and look forward to in search of extra of your great post. Also, I've shared your website in my social networks!

  30. Acheter Trenbolone acetate

    I don’t even know how I ended up right here, but I believed this post was once good. I don't understand who you might be however certainly you are going to a well-known blogger if you happen to aren't already ;) Cheers!

  31. Reductil Online Bestellen

    This is really interesting, You are an excessively skilled blogger. I have joined your feed and stay up for seeking extra of your wonderful post. Also, I have shared your website in my social networks!

  32. Excellent post. I was checking constantly this blog and I am impressed! Very useful information particularly the last part :) I care for such info a lot. I was seeking this certain information for a long time. Thank you and good luck.

  33. over at this website

    Hi, I think your site might be having browser compatibility issues. When I look at your website in Safari, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, fantastic blog!

  34. check this link right here now

    I have not checked in here for a while because I thought it was getting boring, but the last few posts are good quality so I guess I'll add you back to my everyday bloglist. You deserve it my friend :)

  35. vegas luck Casino

    Thanks for a marvelous posting! I genuinely enjoyed reading it, you may be a great author.I will make certain to bookmark your blog and will eventually come back later in life. I want to encourage you to ultimately continue your great job, have a nice evening!

  36. check my reference

    Hi there, just became alert to your blog through Google, and found that it's truly informative. I am gonna watch out for brussels. I’ll appreciate if you continue this in future. Lots of people will be benefited from your writing. Cheers!

  37. I am not really good with English but I get hold this very easygoing to interpret.

  38. I was reading some of your articles on this website and I believe this site is really informative ! Continue putting up.

  39. syair sgp

    I have read a few excellent stuff here. Certainly price bookmarking for revisiting. I surprise how much effort you put to make this type of great informative web site.

  40. rent a car lefkada

    In the awesome design of things you'll secure a B+ with regard to effort and hard work. Where exactly you confused me ended up being on all the particulars. You know, as the maxim goes, details make or break the argument.. And it couldn't be much more correct in this article. Having said that, permit me inform you exactly what did do the job. The article (parts of it) is actually highly convincing which is possibly why I am taking an effort in order to opine. I do not really make it a regular habit of doing that. Next, even though I can certainly see a leaps in reasoning you come up with, I am not convinced of how you seem to unite the ideas that make the final result. For now I will subscribe to your issue but trust in the future you actually link your dots better.

  41. buy app store reviews

    Pretty component of content. I simply stumbled upon your web site and in accession capital to claim that I get in fact loved account your weblog posts. Any way I’ll be subscribing in your feeds and even I achievement you access persistently fast.

  42. 171939


  43. m8x6yckwpjbeeze01me56z0n3pwvncf372osd

  44. go right here

    What i do not realize is in truth how you are no longer actually a lot more smartly-appreciated than you might be right now. You're very intelligent. You already know thus significantly in relation to this subject, produced me individually believe it from a lot of numerous angles. Its like men and women aren't involved except it’s something to accomplish with Girl gaga! Your own stuffs great. At all times deal with it up!

  45. Buy 5F ADB online

    With the whole thing which seems to be developing throughout this area, your perspectives tend to be quite refreshing. Even so, I appologize, but I do not give credence to your whole suggestion, all be it exhilarating none the less. It appears to everybody that your remarks are actually not entirely rationalized and in actuality you are yourself not totally convinced of your assertion. In any case I did enjoy examining it.

  46. smoretraiolit

    There are some fascinating deadlines on this article but I don’t know if I see all of them middle to heart. There may be some validity but I will take hold opinion until I look into it further. Good article , thanks and we wish extra! Added to FeedBurner as well

  47. a course in miracles

    Its superb as your other articles : D, thankyou for putting up. "Music is the soul of language." by Max Heindel.

  48. a course in miracles

    I’m now not positive the place you are getting your information, but great topic. I must spend a while studying much more or working out more. Thank you for great info I was searching for this info for my mission.

  49. see this page

    I am glad to be one of the visitors on this outstanding web site (:, thankyou for putting up.

  50. Hey! Do you know if they make any plugins to help with SEO? I'm trying to get my blog to rank for some targeted keywords but I'm not seeing very good results. If you know of any please share. Thanks!

  51. site here

    I got what you intend, thankyou for posting.Woh I am lucky to find this website through google. "Spare no expense to make everything as economical as possible." by Samuel Goldwyn.


    Hi there! This post couldn’t be written any better! Reading through this post reminds me of my previous room mate! He always kept talking about this. I will forward this article to him. Pretty sure he will have a good read. Thank you for sharing!

  53. her response

    Very interesting subject, appreciate it for posting. "Nothing great was ever achieved without enthusiasm." by George Ellis.

  54. erjilo pterin

    Please let me know if you're looking for a writer for your blog. You have some really great articles and I believe I would be a good asset. If you ever want to take some of the load off, I'd love to write some material for your blog in exchange for a link back to mine. Please send me an email if interested. Thanks!

  55. dental marketing

    Its fantastic as your other content : D, thanks for posting.

  56. your domain name

    Very nice article and straight to the point. I don't know if this is actually the best place to ask but do you guys have any ideea where to employ some professional writers? Thanks in advance :)

  57. see this site

    Some genuinely nice and useful information on this site, also I believe the design and style has superb features.

  58. website url

    Undeniably believe that which you said. Your favorite justification seemed to be on the net the easiest thing to be aware of. I say to you, I definitely get annoyed while people think about worries that they just don't know about. You managed to hit the nail upon the top as well as defined out the whole thing without having side effect , people could take a signal. Will probably be back to get more. Thanks

  59. svolrfino tews

    There's noticeably a bundle to find out about this. I assume you made sure nice factors in options also.

  60. svolrfinotews

    F*ckin' awesome things here. I'm very glad to see your post. Thank you so much and i'm taking a look ahead to contact you. Will you kindly drop me a e-mail?

  61. entry level careers

    I was just looking for this information for some time. After 6 hours of continuous Googleing, finally I got it in your website. I wonder what's the lack of Google strategy that don't rank this kind of informative sites in top of the list. Usually the top sites are full of garbage.

  62. my link

    I have been browsing on-line greater than three hours lately, but I by no means discovered any attention-grabbing article like yours. It is beautiful price enough for me. In my view, if all webmasters and bloggers made good content as you probably did, the web can be a lot more helpful than ever before.

  63. Gewerbeimmobilien

    Thanks on your marvelous posting! I actually enjoyed reading it, you're a great author.I will make sure to bookmark your blog and may come back someday. I want to encourage yourself to continue your great posts, have a nice afternoon!

  64. grolyrtolemcs

    Spot on with this write-up, I really think this website needs rather more consideration. I’ll probably be again to learn way more, thanks for that info.

  65. go to this web-site

    Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You definitely know what youre talking about, why waste your intelligence on just posting videos to your weblog when you could be giving us something enlightening to read?

  66. cheap weed for sale

    Utterly indited subject material, Really enjoyed reading through.

  67. click this link now

    You actually make it seem so easy with your presentation but I find this matter to be really something that I think I would never understand. It seems too complex and extremely broad for me. I'm looking forward for your next post, I’ll try to get the hang of it!

  68. explanation

    I know this if off topic but I'm looking into starting my own blog and was wondering what all is required to get setup? I'm assuming having a blog like yours would cost a pretty penny? I'm not very web smart so I'm not 100 positive. Any recommendations or advice would be greatly appreciated. Thanks

  69. other

    I love the efforts you have put in this, thank you for all the great blog posts.

  70. recommended you read

    Thanks , I've recently been searching for info approximately this topic for a long time and yours is the greatest I have came upon till now. However, what in regards to the conclusion? Are you positive about the supply?

  71. Hi! I just wanted to ask if you ever have any problems with hackers? My last blog (wordpress) was hacked and I ended up losing a few months of hard work due to no data backup. Do you have any solutions to prevent hackers?

  72. check this

    I conceive this internet site has got some real good info for everyone : D.

  73. here

    Sweet site, super layout, very clean and employ pleasant.

  74. reloadable prepaid card

    Thank you, I've just been searching for info about this topic for ages and yours is the best I have discovered till now. But, what about the conclusion? Are you sure about the source?

  75. grolyrtolemcs

    This is a very good tips especially to those new to blogosphere, brief and accurate information… Thanks for sharing this one. A must read article.

  76. satugol

    whoah this blog is excellent i love reading your posts. Keep up the great work! You know, a lot of people are looking around for this info, you could aid them greatly.

  77. see this page

    Your house is valueble for me. Thanks!…

  78. full article

    Pretty section of content. I just stumbled upon your weblog and in accession capital to assert that I acquire actually enjoyed account your blog posts. Anyway I will be subscribing to your augment and even I achievement you access consistently quickly.

  79. my url

    This is a topic close to my heart cheers, where are your contact details though?

  80. CBN Sleep

    Thank you for another fantastic post. The place else may just anyone get that type of info in such an ideal manner of writing? I have a presentation subsequent week, and I'm at the look for such info.

  81. try url

    You must take part in a contest for among the best blogs on the web. I'll suggest this site!

  82. click this link now

    Some really nice stuff on this website , I enjoy it.

  83. Cristin Carlew

    It's a shame you don't have a donate button! I'd most certainly donate to this fantastic blog! I guess for now i'll settle for book-marking and adding your RSS feed to my Google account. I look forward to new updates and will talk about this blog with my Facebook group. Chat soon!

  84. buy mens fitness shirts online

    I’m impressed, I have to say. Really hardly ever do I encounter a blog that’s both educative and entertaining, and let me inform you, you might have hit the nail on the head. Your thought is excellent; the issue is one thing that not enough people are talking intelligently about. I am very joyful that I stumbled throughout this in my search for something relating to this.

  85. click to investigate

    I've learn some excellent stuff here. Definitely worth bookmarking for revisiting. I wonder how a lot attempt you place to make any such excellent informative site.

  86. find more

    Pretty section of content. I just stumbled upon your blog and in accession capital to assert that I acquire actually enjoyed account your blog posts. Any way I’ll be subscribing to your augment and even I achievement you access consistently quickly.

  87. click to read

    Sweet internet site, super design, rattling clean and utilise pleasant.

  88. you could try here

    Hi! I just wanted to ask if you ever have any problems with hackers? My last blog (wordpress) was hacked and I ended up losing many months of hard work due to no back up. Do you have any solutions to protect against hackers?

  89. here are the findings

    Some genuinely nice and utilitarian info on this site, also I think the style has got good features.

  90. Kredit

    he blog was how do i say it… relevant, finally something that helped me. Thanks

  91. jakpoti kubwa

    I have been browsing on-line greater than three hours these days, but I by no means found any attention-grabbing article like yours. It¦s beautiful worth sufficient for me. Personally, if all website owners and bloggers made excellent content material as you did, the internet might be a lot more helpful than ever before.

  92. But a smiling visitor here to share the love (:, btw great design. "Individuals may form communities, but it is institutions alone that can create a nation." by Benjamin Disraeli.

  93. men's shampoo for hair loss

    I've been surfing on-line greater than 3 hours these days, but I never discovered any fascinating article like yours. It’s lovely price sufficient for me. In my opinion, if all site owners and bloggers made just right content as you probably did, the internet can be a lot more useful than ever before.

  94. lawyer auto

    In this awesome pattern of things you'll receive an A for effort. Exactly where you actually confused me personally ended up being on the specifics. As people say, the devil is in the details... And that couldn't be more correct right here. Having said that, let me reveal to you exactly what did work. The authoring is definitely incredibly powerful which is probably the reason why I am taking the effort to comment. I do not really make it a regular habit of doing that. 2nd, even though I can notice the leaps in reasoning you make, I am not really convinced of how you seem to connect your ideas which help to make the actual conclusion. For now I will yield to your point but hope in the foreseeable future you connect the dots much better.

  95. hop over to this website

    Can I just say what a relief to find someone who actually knows what theyre talking about on the internet. You definitely know how to bring an issue to light and make it important. More people need to read this and understand this side of the story. I cant believe youre not more popular because you definitely have the gift.

  96. find more info

    I dugg some of you post as I cogitated they were very helpful extremely helpful

  97. get more info

    I precisely wanted to thank you very much again. I do not know the things I could possibly have made to happen without the type of recommendations documented by you over such a problem. Completely was a very daunting dilemma for me personally, however , taking note of the very well-written way you resolved it made me to leap for fulfillment. I am just thankful for your support and thus sincerely hope you know what a powerful job you are getting into training many others via your blog post. I know that you haven't come across any of us.

  98. Bulksmsnigeria

    This internet site is my inhalation, very superb layout and perfect subject material.

  99. Bulk SMS Service

    I was very pleased to find this web-site.I wanted to thanks for your time for this wonderful read!! I definitely enjoying every little bit of it and I have you bookmarked to check out new stuff you blog post.

  100. How To Send Bulk SMS

    Wow! Thank you! I constantly needed to write on my site something like that. Can I include a part of your post to my website?

  101. click for source

    Incredible! This blog looks just like my old one! It's on a completely different subject but it has pretty much the same page layout and design. Excellent choice of colors!

  102. tron trx moon

    Loving the info on this site, you have done outstanding job on the blog posts.

  103. top dapp platforms

    You have brought up a very superb details, appreciate it for the post.

  104. F*ckin¦ tremendous things here. I am very happy to see your post. Thank you a lot and i am having a look ahead to contact you. Will you kindly drop me a mail?

  105. short term investments

    Hello! Quick question that's totally off topic. Do you know how to make your site mobile friendly? My website looks weird when browsing from my apple iphone. I'm trying to find a theme or plugin that might be able to resolve this problem. If you have any suggestions, please share. Cheers!

  106. go to website

    I will right away take hold of your rss as I can't find your e-mail subscription hyperlink or e-newsletter service. Do you've any? Kindly allow me know so that I may just subscribe. Thanks.

  107. I am glad to be a visitor of this everlasting website! , regards for this rare info ! .

  108. look at these guys

    Hi there! This post couldn’t be written any better! Reading through this post reminds me of my previous room mate! He always kept talking about this. I will forward this article to him. Pretty sure he will have a good read. Thank you for sharing!

  109. panama city beach hotels

    Hi there, You have performed a fantastic job. I’ll certainly digg it and individually recommend to my friends. I am confident they will be benefited from this site.

Leave a comment

Your email address will not be published.