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hi to this my second data update for 2023 in this session Id like to talk about what stocks did in 2022 and focus on U.S stocks in this post but well come back and talk about global equities in the next few now if youve been if you were an investor in U.S stocks you know it was a bad year youre probably trying to forget the year but equities have good years and bad years and far more bad years than you realize and sometimes we forget about the latter during Market booms and hope that we will never see a bad year but I do think that markets have bad deals just to send a reminder to investors is that risk is not an abstraction that stocks dont always win even in the long term so 2022 was a reminder and I think we needed that reminder more than ever before because wed come off a decade of excess youre going to see the returns we made between 2011 and 2020 and in the aftermath of covet especially starting in March of 2020 when stocks came booming back there were some people who con