Crews Bank & Trust Blog

chart shows that Hawaiian is the most on-time airline and Allegiant is least on-time

Chart of the Day

Percentages On-Time

The Chart of the Day comes from Bloomberg. It's not a necessarily a financial chart, but instead shows percentages of on-time flights, and the amount..

chart shows that changes made mutual funds go from losing assets to attracting assets

Chart of the Day Managing your Wealth

Moving the Goalposts

Today's chart appears in a research paper titled, “Moving the Goalposts? Mutual Fund Benchmark Changes and Performance Manipulation” which was..

Chart shows life expectancy broken down by state

Chart of the Day

Life Expectancy: 77 Years (Depending)

Today's Chart of the Day comes from an article in the Wall Street Journal which shows the life expectancy at birth based on which state you live in...

Chart shows the 50% decrease of home sales from August 2020 to August 2022

Chart of the Day Managing your Wealth

Housing Slump

Today’s chart comes from data provided by the Department of Housing and Development (HUD) which shows that the rate of new US home sales per month..

Chart shows the probability curve in relation to investing

Chart of the Day Managing your Wealth

7 Investment Concepts

Top 7 Investment Concepts by Samuel A. Kiburz:

Investing 101: Risk and the Possibility of Loss

In the financial planning world, the concept of risk is often used in conversation. Risk has multiple meanings, but the first definition in the..

Chart shows the money flows into ESG = Environmental, Social, and Governance ETFs since they appeared in 2015.

Chart of the Day Managing your Wealth

The Shying Away from ESG

Today's chart is from Bloomberg Intelligence, which shows the money flows into ESG (Environmental, Social, and Governance) ETFs since they appeared..

Chart shows the performance between hedge funds and the S&P 500 from 2014 - 2021.

Chart of the Day Managing your Wealth

No More Heydays for Hedge Funds

People may ask, “Why not use hedge funds?” Today's chart comes from Bloomberg and shows us the reason why. In addition to their typical expense ratio..

chart shows the average return for 20-years ending in 2015

Chart of the Day Managing your Wealth

S&P 500 vs. Average Investor

Today's chart comes from OneDigital and shows that the average return for 20-years ending in 2015 was 8.2% for the S&P 500, while the average..

Chart shows the real returns of stocks, bonds, bills, gold, and cash from 1802 - 2013

Chart of the Day Managing your Wealth

Total Return Since 1802

The following chart from Brian Ferdoldi shows the ultra long-term history of real returns from various asset classes dating back to 1802. Real..

Chart shows the consistent upward growth of the S&P 500 since 1950.

Chart of the Day Managing your Wealth

Hard to Hurt Earnings

Today's chart comes from LPL Research and shows the growth of company earnings since 1950. When you buy a stock fund you are purchasing the steam of..

Chart shows a blue line indicating the rise and fall of housing prices from 1999 - 2022.

Chart of the Day

Record Real Estate Prices

Today's Chart of the Day is a Bloomberg chart of the U.S. Median Existing Home Price provided by the National Association of Realtors going all the..

Chart shows rolling returns of S & P 500 from 1926 to 2021. Each period of time is represented by a different color. 3 = blue, 10 = pink, 20 = red, 30 = green.

Chart of the Day Managing your Wealth

Rolling, Rolling, Rolling

Today's chart is from Ben Carlson’s “A Wealth of Common Sense” which shows the S&P 500’s rolling returns for 3, 10, 20, and 30 year periods going all..

the chart shows that the best and worst trading days are often very close

Chart of the Day Managing your Wealth

Best and Worst Days are Close

Today’s Chart of the Day comes again from Vanguard. The best and worst trading days are often very close. Usually, when there is a large swing one..

from 1928 through 2021, there were more than 23,300 trading days in the U.S. stock market. Out of those, the 30 best trading days accounted for almost half of the market’s return.

Chart of the Day Managing your Wealth

30 Days Equal Half The Return

Today’s chart comes from Vanguard. They wrote a great short article on the difficulties of market timing. In a nutshell, "from 1928 through 2021,..

Samuel A. Kiburz

Samuel serves as Senior Vice President, Chief Investment Officer for the Crews family of banks. He manages the individual investment holdings of his clients, including individuals, families, foundations, and institutions throughout the State of Florida. Samuel has been involved in banking since 1996 and has more than 20 years experience working in wealth management.

Investments are not a deposit or other obligation of, or guaranteed by, the bank, are not FDIC insured, not insured by any federal government agency, and are subject to investment risks, including possible loss of principal.

Percentages On-Time

The Chart of the Day comes from Bloomberg. It's not a necessarily a financial chart, but instead shows percentages of on-time flights, and the amount of passengers traveled per airline.

Chart of the Day, Managing your Wealth

09/13/22

Moving the Goalposts

Today's chart appears in a research paper titled, “Moving the Goalposts? Mutual Fund Benchmark Changes and Performance Manipulation” which was referenced in an article from the Wall Street Journal the week of August 22. The paper denotes that 37% of all actively managed mutual fund managers changed their benchmarks between 2006 and 2018, and two-thirds of these changes made the funds appear to improve their performance.

Chart of the Day

09/8/22

Life Expectancy: 77 Years (Depending)

Today's Chart of the Day comes from an article in the Wall Street Journal which shows the life expectancy at birth based on which state you live in. The lowest was Mississippi at 71.9 years, and the highest was Hawaii at 80.7 years. It's nice to see that Florida was on the higher end at 77.5 years.

Chart of the Day, Managing your Wealth

09/6/22

Housing Slump

Today’s chart comes from data provided by the Department of Housing and Development (HUD) which shows that the rate of new US home sales per month has fallen 50% from 1,000,000 to 500,00 since the peak in August 2020.

Chart of the Day, Managing your Wealth

09/2/22

7 Investment Concepts

Top 7 Investment Concepts by Samuel A. Kiburz:

09/1/22

Investing 101: Risk and the Possibility of Loss

In the financial planning world, the concept of risk is often used in conversation. Risk has multiple meanings, but the first definition in the Merriam-Webster dictionary is quite simply the “possibility of loss.”

Chart of the Day, Managing your Wealth

08/17/22

The Shying Away from ESG

Today's chart is from Bloomberg Intelligence, which shows the money flows into ESG (Environmental, Social, and Governance) ETFs since they appeared in 2015.

Chart of the Day, Managing your Wealth

08/16/22

No More Heydays for Hedge Funds

People may ask, “Why not use hedge funds?” Today's chart comes from Bloomberg and shows us the reason why. In addition to their typical expense ratio of 2% and 20% of gains above a benchmark, hedge funds have consistently under performed the stock market, denoted by the S&P 500 index, every year since 2014. In fact, they haven’t performed well since their heydays in the 1980s, and even less so since 2007.

Chart of the Day, Managing your Wealth

08/15/22

S&P 500 vs. Average Investor

Today's chart comes from OneDigital and shows that the average return for 20-years ending in 2015 was 8.2% for the S&P 500, while the average investor only earned 2.1%. The hypothesis is: Too many investors stop investing when the market is down and/or try to time the market.

Chart of the Day, Managing your Wealth

08/4/22

Total Return Since 1802

The following chart from Brian Ferdoldi shows the ultra long-term history of real returns from various asset classes dating back to 1802. Real returns, the returns after inflation, are important to know due to inflation’s elevated levels.

Chart of the Day, Managing your Wealth

07/25/22

Hard to Hurt Earnings

Today's chart comes from LPL Research and shows the growth of company earnings since 1950. When you buy a stock fund you are purchasing the steam of their combined future earnings. Yes, that stream can temporarily decline during recessions, but over time the economy and that stream of earnings returns and continues to grow.

Chart of the Day

07/22/22

Record Real Estate Prices

Today's Chart of the Day is a Bloomberg chart of the U.S. Median Existing Home Price provided by the National Association of Realtors going all the way back to 1999.

Chart of the Day, Managing your Wealth

07/21/22

Rolling, Rolling, Rolling

Today's chart is from Ben Carlson’s “A Wealth of Common Sense” which shows the S&P 500’s rolling returns for 3, 10, 20, and 30 year periods going all the way back to 1926.

Chart of the Day, Managing your Wealth

07/19/22

Best and Worst Days are Close

Today’s Chart of the Day comes again from Vanguard. The best and worst trading days are often very close. Usually, when there is a large swing one way, more often than not, the next day swings in the opposite direction. This is why we often do not get too excited when it happens. In fact, when cash needs to be invested or raised for spending, these are usually great days to do so.

Vanguard proved this with today's chart.

Chart of the Day, Managing your Wealth

07/18/22

30 Days Equal Half The Return

Today’s chart comes from Vanguard. They wrote a great short article on the difficulties of market timing. In a nutshell, "from 1928 through 2021, there were more than 23,300 trading days in the U.S. stock market. Out of those, the 30 best trading days accounted for almost half of the market’s return."

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