My prediction is that it will be more difficult for both U.S. stocks and bonds to go up in the coming years.

When individuals invest in overseas stocks or bonds, they rub up against the world’s largest market: the currency market.

For some individuals, nothing feels worse than seeing their account drop; conversely, others regret losing out on potential gains.

I hope everyone is healthy and has made it through this part of the virus unscathed. It has been a...