Quarterly Reports

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This report features world capital market performance and a timeline of events for the quarter. It begins with a global overview, then features the returns of stock and bond asset classes in the US and international markets. The report also illustrates the impact of globally diversified portfolios and features a quarterly topic.

Quarterly Report Q2 2019 >


Older Reports

Quarterly Report Q1 2019 >

Quarterly Report Q4 2018 >

Quarterly Report Q3 2018 >

Generational Shift in the Workplace: Adjusting your 401(k) to Engage the Millennials

The evolution of a 401(k) plan typically sounds something like this:

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The owners want to implement a plan because their business is growing and they want to shelter some of those dollars. With growth comes more employees, and now it’s important to have a lot of them participate so it doesn’t affect the owner’s contribution amounts in testing. Eventually, businesses begin to attract great talent and you want them to stay, so the business owner decides to throw in a match. Great – this all sounds perfect. But, the growth and changes to the plan shouldn’t stop there.

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Let’s think about your retirement plan differently.

Retirement plans can become another full-time job for companies and business owners. But what if it didn’t have to be that way? What if there was a way for you to trust someone else to make sure that the plan is being monitored and that when something requires your attention, you will be informed?

Hallelujah – we found a way! PGR Solutions can be your plan’s fiduciary advisor.

Here's the Prescription

Dimensional Fund Advisors has written a great article about the risks of “self-diagnosing” via internet searches, unqualified materials, and presumption. As you would go to a doctor for a concern with your health, it is suggested that you consult an advisor for concerns with your investments. If you’re looking at the numbers and feeling a bit concerned about the performance in the retirement plan program or your individual account, talk with a professional. PGR Solutions can guide you, offer advice, and a treatment plan to help with how you’re feeling.

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Why Should You Diversify?


As 2019 approaches, and with US stocks outperforming non-US stocks in recent years, some investors have again turned their attention towards the role that global diversification plays in their portfolios. For the five-year period ending October 31, 2018, the S&P 500 Index had an annualized return of 11.34% while the MSCI World ex USA Index returned 1.86%, and the MSCI emerging Markets Index returned 0.78%. As US stocks have outperformed international and emerging markets stocks over the last several years, some investors might be reconsidering the benefits of investing outside the US.

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