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Historical Investment Returns
Mortgage Rates in Canada
Canadian Prime Rate
Canadian Prime Rate
Historically and Globally Interest Rates Increase Rather Slowly
Guaranteed Term Deposits
March 17, 2014 - TD Canada Trust Rates
1 Year: 1.30%
2 Year: 1.35%
3 Year: 1.40%
4 Year: 1.60%
5 Year: 2.10%
Historical Market Returns
The Dow Jones Industrial Average
It is the oldest and most recognized
measure of stock market performance.
The Dow Jones Industrial Average
It is the oldest and most recognized
measure of stock market performance.
The Dow Jones Industrial Average
Some Financial Media Outlets simply
refer to it as “The Market”.
Dow Jones Industrial Average
25 Years
10 Years
Dow Jones Industrial Average
25 Years
10 Years
The Market Always Recovers But Sometimes It Takes A While
The History of a Stock Markets
Dow Jones Industrial Average
Annual Return Since Inception
YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual
Return Return Return Return
5/26/1896 40.94 1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66%
1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58%
1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26%
1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85%
1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96%
1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34%
1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32%
1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17%
1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72%
1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14%
1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45%
1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01%
1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64%
1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10%
1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22%
1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18%
1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09%
1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76%
1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32%
1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15%
1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61%
1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29%
1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43%
1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84%
1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82%
1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02%
1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53%
1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14 7.26%
1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013 16576.66 26.50%
1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 30-Jun-14 16826.60 1.51%
Count the Squares With Red Numbers
The History of a Stock Markets
Dow Jones Industrial Average
Annual Return Since Inception
YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual
Return Return Return Return
5/26/1896 40.94 1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66%
1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58%
1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26%
1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85%
1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96%
1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34%
1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32%
1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17%
1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72%
1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14%
1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45%
1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01%
1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64%
1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10%
1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22%
1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18%
1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09%
1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76%
1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32%
1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15%
1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61%
1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29%
1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43%
1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84%
1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82%
1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02%
1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53%
1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14 7.26%
1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013 16576.66 26.50%
1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 30-Jun-14 16826.60 1.51%
Count the Squares With Red Numbers
34 % are negative since inception
The History of a Stock Markets
Dow Jones Industrial Average
Annual Return Since Inception
YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual
Return Return Return Return
5/26/1896 40.94 1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66%
1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58%
1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26%
1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85%
1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96%
1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34%
1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32%
1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17%
1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72%
1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14%
1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45%
1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01%
1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64%
1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10%
1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22%
1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18%
1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09%
1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76%
1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32%
1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15%
1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61%
1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29%
1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43%
1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84%
1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82%
1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02%
1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53%
1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14 7.26%
1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013 16576.66 26.50%
1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 30-Jun-14 16826.60 1.51%
Count the Squares With Red Numbers
34 % are negative since inception
29 % are negative since 1945
The History of a Stock Markets
Dow Jones Industrial Average
Annual Return Since Inception
YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual
Return Return Return Return
5/26/1896 40.94 1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66%
1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58%
1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26%
1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85%
1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96%
1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34%
1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32%
1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17%
1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72%
1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14%
1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45%
1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01%
1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64%
1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10%
1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22%
1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18%
1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09%
1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76%
1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32%
1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15%
1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61%
1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29%
1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43%
1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84%
1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82%
1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02%
1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53%
1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14 7.26%
1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013 16576.66 26.50%
1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 30-Jun-14 16826.60 1.51%
Count the Squares With Red Numbers
34 % are negative since inception
29 % are negative since 1945
27 % are negative since 1970
The History of a Stock Markets
Dow Jones Industrial Average
Annual Return Since Inception
YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual
Return Return Return Return
5/26/1896 40.94 1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66%
1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58%
1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26%
1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85%
1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96%
1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34%
1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32%
1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17%
1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72%
1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14%
1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45%
1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01%
1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64%
1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10%
1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22%
1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18%
1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09%
1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76%
1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32%
1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15%
1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61%
1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29%
1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43%
1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84%
1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82%
1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02%
1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53%
1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14 7.26%
1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013 16576.66 26.50%
1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 30-Jun-14 16826.60 1.51%
Count the Squares With Red Numbers
34 % are negative since inception
29 % are negative since 1945
27 % are negative since 1970
33 % are negative since 2000
The History of a Stock Markets
Dow Jones Industrial Average
Annual Return Since Inception
YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual
Return Return Return Return
5/26/1896 40.94 1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66%
1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58%
1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26%
1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85%
1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96%
1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34%
1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32%
1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17%
1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72%
1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14%
1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45%
1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01%
1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64%
1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10%
1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22%
1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18%
1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09%
1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76%
1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32%
1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15%
1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61%
1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29%
1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43%
1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84%
1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82%
1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02%
1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53%
1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14 7.26%
1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013 16576.66 26.50%
1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 30-Jun-14 16826.60 1.51%
Count the Squares With Red Numbers
34 % are negative since inception
29 % are negative since 1945
27 % are negative since 1970
33 % are negative since 2000
There Will Be Some Bad Years
1991 1992 1993 1994 1995
1996 1997 1998 1999 2000
Highest
Return
Lowest
Return
Highest
Return
Lowest
Return
Sectors Rise and Fall
Health Care Financials Technology Technology Health Care
Financials Transportation Transportation Health Care Financials
Transportation Utilities Energy Capital Goods Technology
Capital Goods Basic Materials Utilities Basic Materials Utilities
Basic Materials Technology Basic Materials Energy Transportation
Utilities Energy Capital Goods Financials Capital Goods
Technology Capital Goods Financials Utilities Energy
Energy Health Care Health Care Transportation Basic Materials
Technology Financials Technology Technology Utilities
Financials Health Care Health Care Capital Goods Health Care
Capital Goods Transportation Utilities Basic Materials Financials
Energy Capital Goods Capital Goods Energy Transportation
Health Care Technology Financials Financials Energy
Transportation Energy Energy Health Care Capital Goods
Basic Materials Utilities Transportation Utilities Basic Materials
Utilities Basic Materials Basic Materials Transportation Technology
1991 1992 1993 1994 1995
1996 1997 1998 1999 2000
Highest
Return
Return
Lowest
Return
Return
Highest
Return
Return
Lowest
Return
Return
1991 1992 1993 1994 1995
1996 1997 1998 1999 2000
Highest
Return
Lowest
Return
Highest
Return
Lowest
Return
Sectors Rise and Fall
Health Care Financials Technology Technology Health Care
Financials Transportation Transportation Health Care Financials
Transportation Utilities Energy Capital Goods Technology
Capital Goods Basic Materials Utilities Basic Materials Utilities
Basic Materials Technology Basic Materials Energy Transportation
Utilities Energy Capital Goods Financials Capital Goods
Technology Capital Goods Financials Utilities Energy
Energy Health Care Health Care Transportation Basic Materials
Technology Financials Technology Technology Utilities
Financials Health Care Health Care Capital Goods Health Care
Capital Goods Transportation Utilities Basic Materials Financials
Energy Capital Goods Capital Goods Energy Transportation
Health Care Technology Financials Financials Energy
Transportation Energy Energy Health Care Capital Goods
Basic Materials Utilities Transportation Utilities Basic Materials
Utilities Basic Materials Basic Materials Transportation Technology
1991 1992 1993 1994 1995
1996 1997 1998 1999 2000
Highest
Return
Return
Lowest
Return
Return
Highest
Return
Return
Lowest
Return
Return
Picking the best sector is not easy either
DISCLAIMER
DISCLAIMER
The ideas and concepts presented her were not originally my ideas. They were collected by
reading publications and attending presentations. I assume you don’t have time to invest/spend
your time doing those things.
DISCLAIMER
The ideas and concepts presented her were not originally my ideas. They were collected by
reading publications and attending presentations. I assume you don’t have time to invest/spend
your time doing those things.
I agree with them or know them to be true. You are welcome to question the concept or facts.
I Refer To My Work Here As Research. Others Might Call It Plagiarism.
-Brian Penston
DISCLAIMER
The ideas and concepts presented her were not originally my ideas. They were collected by
reading publications and attending presentations. I assume you don’t have time to invest/spend
your time doing those things.
I agree with them or know them to be true. You are welcome to question the concepts or facts.
I Refer To My Work Here As Research. Others Might Call It Plagiarism.
-Brian Penston
DISCLAIMER
Thank You!
The ideas and concepts presented her were not originally my ideas. They were collected by
reading publications and attending presentations. I assume you don’t have time to invest/spend
your time doing those things.
I agree with them or know them to be true. You are welcome to question the concepts or facts.
I Refer To My Work Here As Research. Others Might Call It Plagiarism.
-Brian Penston
DISCLAIMER
Thank You!
The ideas and concepts presented her were not originally my ideas. They were collected by
reading publications and attending presentations. I assume you don’t have time to invest/spend
your time doing those things.
I agree with them or know them to be true. You are welcome to question the concepts or facts.
Brian Penston
Brian Penston
B.Comm. (Hons.), CLU, CH.F.C., CFP
Phone: (204) 633-7353 Email: bpenston@mts.net

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Historical investment returns

  • 2.
  • 3.
  • 4.
  • 7. Canadian Prime Rate Historically and Globally Interest Rates Increase Rather Slowly
  • 8. Guaranteed Term Deposits March 17, 2014 - TD Canada Trust Rates 1 Year: 1.30% 2 Year: 1.35% 3 Year: 1.40% 4 Year: 1.60% 5 Year: 2.10%
  • 10. The Dow Jones Industrial Average
  • 11. It is the oldest and most recognized measure of stock market performance. The Dow Jones Industrial Average
  • 12. It is the oldest and most recognized measure of stock market performance. The Dow Jones Industrial Average Some Financial Media Outlets simply refer to it as “The Market”.
  • 13. Dow Jones Industrial Average 25 Years 10 Years
  • 14. Dow Jones Industrial Average 25 Years 10 Years The Market Always Recovers But Sometimes It Takes A While
  • 15. The History of a Stock Markets Dow Jones Industrial Average Annual Return Since Inception YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual Return Return Return Return 5/26/1896 40.94 1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66% 1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58% 1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26% 1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85% 1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96% 1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34% 1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32% 1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17% 1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72% 1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14% 1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45% 1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01% 1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64% 1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10% 1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22% 1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18% 1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09% 1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76% 1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32% 1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15% 1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61% 1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29% 1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43% 1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84% 1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82% 1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02% 1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53% 1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14 7.26% 1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013 16576.66 26.50% 1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 30-Jun-14 16826.60 1.51% Count the Squares With Red Numbers
  • 16. The History of a Stock Markets Dow Jones Industrial Average Annual Return Since Inception YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual Return Return Return Return 5/26/1896 40.94 1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66% 1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58% 1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26% 1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85% 1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96% 1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34% 1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32% 1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17% 1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72% 1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14% 1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45% 1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01% 1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64% 1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10% 1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22% 1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18% 1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09% 1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76% 1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32% 1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15% 1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61% 1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29% 1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43% 1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84% 1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82% 1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02% 1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53% 1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14 7.26% 1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013 16576.66 26.50% 1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 30-Jun-14 16826.60 1.51% Count the Squares With Red Numbers 34 % are negative since inception
  • 17. The History of a Stock Markets Dow Jones Industrial Average Annual Return Since Inception YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual Return Return Return Return 5/26/1896 40.94 1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66% 1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58% 1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26% 1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85% 1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96% 1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34% 1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32% 1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17% 1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72% 1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14% 1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45% 1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01% 1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64% 1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10% 1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22% 1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18% 1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09% 1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76% 1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32% 1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15% 1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61% 1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29% 1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43% 1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84% 1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82% 1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02% 1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53% 1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14 7.26% 1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013 16576.66 26.50% 1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 30-Jun-14 16826.60 1.51% Count the Squares With Red Numbers 34 % are negative since inception 29 % are negative since 1945
  • 18. The History of a Stock Markets Dow Jones Industrial Average Annual Return Since Inception YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual Return Return Return Return 5/26/1896 40.94 1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66% 1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58% 1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26% 1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85% 1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96% 1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34% 1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32% 1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17% 1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72% 1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14% 1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45% 1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01% 1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64% 1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10% 1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22% 1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18% 1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09% 1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76% 1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32% 1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15% 1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61% 1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29% 1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43% 1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84% 1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82% 1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02% 1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53% 1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14 7.26% 1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013 16576.66 26.50% 1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 30-Jun-14 16826.60 1.51% Count the Squares With Red Numbers 34 % are negative since inception 29 % are negative since 1945 27 % are negative since 1970
  • 19. The History of a Stock Markets Dow Jones Industrial Average Annual Return Since Inception YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual Return Return Return Return 5/26/1896 40.94 1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66% 1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58% 1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26% 1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85% 1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96% 1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34% 1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32% 1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17% 1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72% 1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14% 1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45% 1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01% 1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64% 1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10% 1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22% 1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18% 1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09% 1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76% 1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32% 1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15% 1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61% 1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29% 1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43% 1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84% 1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82% 1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02% 1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53% 1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14 7.26% 1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013 16576.66 26.50% 1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 30-Jun-14 16826.60 1.51% Count the Squares With Red Numbers 34 % are negative since inception 29 % are negative since 1945 27 % are negative since 1970 33 % are negative since 2000
  • 20. The History of a Stock Markets Dow Jones Industrial Average Annual Return Since Inception YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual Return Return Return Return 5/26/1896 40.94 1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66% 1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58% 1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26% 1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85% 1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96% 1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34% 1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32% 1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17% 1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72% 1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14% 1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45% 1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01% 1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64% 1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10% 1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22% 1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18% 1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09% 1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76% 1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32% 1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15% 1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61% 1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29% 1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43% 1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84% 1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82% 1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02% 1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53% 1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14 7.26% 1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013 16576.66 26.50% 1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 30-Jun-14 16826.60 1.51% Count the Squares With Red Numbers 34 % are negative since inception 29 % are negative since 1945 27 % are negative since 1970 33 % are negative since 2000 There Will Be Some Bad Years
  • 21. 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 Highest Return Lowest Return Highest Return Lowest Return Sectors Rise and Fall Health Care Financials Technology Technology Health Care Financials Transportation Transportation Health Care Financials Transportation Utilities Energy Capital Goods Technology Capital Goods Basic Materials Utilities Basic Materials Utilities Basic Materials Technology Basic Materials Energy Transportation Utilities Energy Capital Goods Financials Capital Goods Technology Capital Goods Financials Utilities Energy Energy Health Care Health Care Transportation Basic Materials Technology Financials Technology Technology Utilities Financials Health Care Health Care Capital Goods Health Care Capital Goods Transportation Utilities Basic Materials Financials Energy Capital Goods Capital Goods Energy Transportation Health Care Technology Financials Financials Energy Transportation Energy Energy Health Care Capital Goods Basic Materials Utilities Transportation Utilities Basic Materials Utilities Basic Materials Basic Materials Transportation Technology 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 Highest Return Return Lowest Return Return Highest Return Return Lowest Return Return
  • 22. 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 Highest Return Lowest Return Highest Return Lowest Return Sectors Rise and Fall Health Care Financials Technology Technology Health Care Financials Transportation Transportation Health Care Financials Transportation Utilities Energy Capital Goods Technology Capital Goods Basic Materials Utilities Basic Materials Utilities Basic Materials Technology Basic Materials Energy Transportation Utilities Energy Capital Goods Financials Capital Goods Technology Capital Goods Financials Utilities Energy Energy Health Care Health Care Transportation Basic Materials Technology Financials Technology Technology Utilities Financials Health Care Health Care Capital Goods Health Care Capital Goods Transportation Utilities Basic Materials Financials Energy Capital Goods Capital Goods Energy Transportation Health Care Technology Financials Financials Energy Transportation Energy Energy Health Care Capital Goods Basic Materials Utilities Transportation Utilities Basic Materials Utilities Basic Materials Basic Materials Transportation Technology 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 Highest Return Return Lowest Return Return Highest Return Return Lowest Return Return Picking the best sector is not easy either
  • 24. DISCLAIMER The ideas and concepts presented her were not originally my ideas. They were collected by reading publications and attending presentations. I assume you don’t have time to invest/spend your time doing those things.
  • 25. DISCLAIMER The ideas and concepts presented her were not originally my ideas. They were collected by reading publications and attending presentations. I assume you don’t have time to invest/spend your time doing those things. I agree with them or know them to be true. You are welcome to question the concept or facts.
  • 26. I Refer To My Work Here As Research. Others Might Call It Plagiarism. -Brian Penston DISCLAIMER The ideas and concepts presented her were not originally my ideas. They were collected by reading publications and attending presentations. I assume you don’t have time to invest/spend your time doing those things. I agree with them or know them to be true. You are welcome to question the concepts or facts.
  • 27. I Refer To My Work Here As Research. Others Might Call It Plagiarism. -Brian Penston DISCLAIMER Thank You! The ideas and concepts presented her were not originally my ideas. They were collected by reading publications and attending presentations. I assume you don’t have time to invest/spend your time doing those things. I agree with them or know them to be true. You are welcome to question the concepts or facts.
  • 28. I Refer To My Work Here As Research. Others Might Call It Plagiarism. -Brian Penston DISCLAIMER Thank You! The ideas and concepts presented her were not originally my ideas. They were collected by reading publications and attending presentations. I assume you don’t have time to invest/spend your time doing those things. I agree with them or know them to be true. You are welcome to question the concepts or facts. Brian Penston
  • 29. Brian Penston B.Comm. (Hons.), CLU, CH.F.C., CFP Phone: (204) 633-7353 Email: bpenston@mts.net

Editor's Notes

  1. You have a guaranteed “Worst Case Scenario” that out performs current guaranteed rates, yet you remain invested in the market.