This month I want to remove the clutter of misassumptions, doubts, and second-guessing about investment returns. I’ll provide an analytical framework for evaluating investment performance in any given year, regardless of market direction. I’ll demonstrate the life-changing value of remaining fully committed to a proven strategy, sticking with trusted fund partners, and choosing a fiduciary advisor like Cardiff Park. My aim is to dial down the financial noise, refocus your attention on vital facts, and free up mind-space for thinking and behaving strategically in order to make more informed investment decisions. First, a look at January markets.