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The unfamiliar market volatility this year has many investors wondering if a day of reckoning is coming. After many years in a row of gains, isn’t a major correction inevitable, even imminent?

Our typical client portfolio has earned an 11% rate-of-return over the last five-year period. But eight years into a bull market, are we not overdue for a correction? How we answer this question depends on how we foresee the future of interest rates