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Equitrust Financial Group
570 Lake Cook Road Suite 101
Deerfield, IL 60015
847-317-0200 Phone
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This monthly newsletter may offer general financial, insurance, tax and business ideas. However, due to the ever-changing tax laws as well as the complexity of the financial industry, you should seek professional advice before implementing any of the ideas contained in this newsletter. Equitrust Financial Group. and Osmosis Digital Marketing assume no liability whatsoever in connection with the use of this newsletter.

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Archive

Monthly Message



VOL. 9, ISSUE 6   •   NOVEMBER, 2016
We Don't Remember What A Real Stock Market Mania Feels Like
In light of the election results, we thought this would be a timely article written by Nick Murray. READ MORE...


VOL. 8, ISSUE 8   •   JANUARY, 2016
2015 Summary
2015 turned out to be a relatively flat year for the stock market. The S&P 500 stock market index rose 1.4% for the year, while the entire universe of U.S. stocks declined 1.5% for the year. The overseas developed markets declined .8%. 2015 was marked by higher volatility than in several years. READ MORE...


VOL. 8, ISSUE 4   •   SEPTEMBER, 2015
The Ordinariness Of Equity Market Corrections
We were overdue. That's all. We were just .... overdue. For some perspective on the current stock market decline, please read as soon as you can our friend Nick Murray's column. Please call us with your thoughts, concerns or questions. READ MORE...


VOL. 7, ISSUE 10   •   MARCH, 2015
Why You Didn't Get the S & P 500's Return Last Year
We feel this article gives a great perspective on your 2014 investment return. READ MORE...


VOL. 7, ISSUE 7   •   DECEMBER, 2014
Volatility-The October Tutorial
This article by Nick Murray offers a wonderful perspective on the October correction we experienced: READ MORE...


VOL. 7, ISSUE 3   •   AUGUST, 2014
Summer Market Doldrums or Expected Correction?
As we have been talking to clients over the last several months, we have been emphasizing the high probability of a U.S. stock market correction. READ MORE...


VOL. 6, ISSUE 9   •   FEBRUARY, 2014
Learning to Love the Inevitable Correction
As we have been discussing with you recently, the attached Nick Murray article gives a great perspective on a likely stock market correction this year. READ MORE...


VOL. 6, ISSUE 8   •   JANUARY, 2014
A Word About 2014
2013 was a fabulous year for the stock market. The U.S. stock market outperformed the overseas stock market as a whole, but this trend runs in cycles. That is why we construct a diversified global portfolio. READ MORE...


VOL. 6, ISSUE 5   •   OCTOBER, 2013
Our View of the Current Status of Bonds
For the past quarter, the stock market has performed well. Depending on your portfolio allocation, this is reflected in your quarterly statements. Of more immediate concern, however, is the bond market. READ MORE...


VOL. 5, ISSUE 12   •   MAY, 2013
Building on a Boom: Energy is Powering the U.S. Renaissance
This article appeared in the American Funds April 2013 Monthly Investment Insights. We think it has great relevance to today's economy. READ MORE...


VOL. 5, ISSUE 10   •   MARCH, 2013
How Are You Selecting Your News?
Given the constant flow of news each day, we thought this Nick Murray article was very instructive. READ MORE...


VOL. 5, ISSUE 4   •   SEPTEMBER, 2012
How Are We Doing?
Client service is always a passion for our firm. Beyond the financial results for you, how is our service? READ MORE...


VOL. 5, ISSUE 3   •   AUGUST, 2012
1.5%... Would you lock in a 10 year average annual return of 1.5%?
You may think "boy, who would do a thing like that?", but take a look at the benchmark US Treasury 10 year note. READ MORE...


VOL. 5, ISSUE 1   •   JUNE, 2012
The Pain in Spain Stays Mainly In Your Brain
Our friend, Nick Murray, wrote a great essay in his newsletter this month. We thought we would pass it on to you. READ MORE...


VOL. 4, ISSUE 12   •   MAY, 2012
Lessons Learned From a Half-Century of Investing
Below is a link to an article we think you will find very interesting--Lessons Learned From a Half-Century of Investing. The article is an interview with Jim Dunton who was an investment professional with American Funds for over 50 years. READ MORE...


VOL. 4, ISSUE 10   •   MARCH, 2012
Thank You to You, Our Client
It's been an interesting journey for the stock market over the last few years. The Dow Jones Industrial average reached a low in March 2009 of approximately 6500. As we write today, the Dow is at 13233 - better than doubling in three years. READ MORE...


VOL. 4, ISSUE 8   •   JANUARY, 2012
The Long View
Sometimes diversification does not work very well. This is what we experienced in 2011. READ MORE...


VOL. 4, ISSUE 7   •   DECEMBER, 2011
The Inevitable End of the World Has Inexplicably Been Postponed. Again.
Two thousand eleven has been another banner year for apocalypse, has it not? READ MORE...


VOL. 4, ISSUE 6   •   NOVEMBER, 2011
Macro vs. Micro - More Good News
As always, the media pounds away at us with negative news. We hear about the Fed, the Congress, the White House, and of course European debt. How about looking at some positive developments at the micro-economic level: READ MORE...


VOL. , ISSUE   •   AUGUST, 2011
Market Volatility
Although there is a great deal of market volatility going on, and will probably continue for a while, our outlook has not changed. READ MORE...


VOL. 4, ISSUE 2   •   JULY, 2011
Fear is Your Friend
"The financial world is a mess, both in the United States and abroad. Its problems, moreover, have been leaking into the general economy and the leaks are turning into a gusher. In the near term, unemployment will rise, business activity will falter and headlines will continue to be scary. READ MORE...


VOL. 3, ISSUE 11   •   APRIL, 2011
All That Glitters
Some of you have been asking about investing in gold, or did we move out of gold too early. Our friend, Nick Murray, wrote a great piece on this question recently: READ MORE...


VOL. , ISSUE   •   MARCH, 2011
IN RESPONSE TO DISASTER IN JAPAN
As the news from Japan's disaster rolls across our TV screens, all of us are impacted by the tragedy in one form or another. This includes our TV newscasters and opinion makers as well. In response, as usual, we are seeing markets around the world experience volatility. Once again we are pummeled by the doom and gloom repeated over and over. Over the next few days and weeks, we should not be surprised to see the volatility continue as the news continues to develop. READ MORE...


VOL. 3, ISSUE 8   •   JANUARY, 2011
It's the end of January and everyone is talking about bonds. Some are concerned about municipal bond defaults; others are concerned about the effect of rising interest rates on U.S. government bonds. We do believe there is a change in the air, but we do not believe it is anywhere near the doomsday scenario depicted by some in the media. READ MORE...


VOL. 3, ISSUE 7   •   DECEMBER, 2010
2010: The Year of Pessimism Punished
As year end 2010 approaches, we thought the attached article sums up our feelings about this year's market. Thank you for your continued business. Have a happy holiday season, and a happy, healthly, and prosperous new year. READ MORE...


VOL. 3, ISSUE 4   •   SEPTEMBER, 2010
The two of us started working together in 1986, and always felt that mutual funds made sense as an investment choice for most investors. We both had experience investing, but the information available to analyze mutual funds was in no way as thorough as it is today. In fact, statistical models are still getting more sophisticated even to this day. READ MORE...


VOL. SPECIAL ANNOUNCEMENT, ISSUE 1   •   AUGUST, 2010
ANNOUNCEMENT
Please note that our office will be undergoing a major remodel project from August 30 - September 10, 2010. During this time, our office will be physically closed. We will still be receiving all telephone calls and email. Please note that it may take longer to complete your requests due to the inefficiencies of working around the construction. We will be able to schedule limited appointments. Thank you for your patience. Steve & Chuck READ MORE...


VOL. 3, ISSUE 1   •   JUNE, 2010
It's summer time now and the markets are relatively quiet. We thought that this is a good time to remind you that investing regularly allows you to buy shares at relatively low prices. When markets resume their upward move at some point, you will be well positioned to participate as your lower priced shares will appreciate. READ MORE...


VOL. 2, ISSUE 12   •   MAY, 2010
Over the last two months, we have attended conferences held by the American Funds, Dimensional Fund Advisors at the University of Chicago School of Business, and Franklin Templeton Investments. Each conference stressed the idea of equity investments outperforming bond investments over the next decade. READ MORE...


VOL. 2, ISSUE 11   •   APRIL, 2010
There appears to be a growing trend among the largest firms in the financial services industry to reduce its services to clients with accounts of $750,000 and less. We feel this trend is driven by the economics of large firms with layers of management, and the demands of their corporate shareholders. READ MORE...


VOL. 2, ISSUE 10   •   MARCH, 2010
Trust Always Comes First
Chuck recently completed a booklet outlining the five most important lessons he has learned over the last 25 years. We are attaching the first lesson, Trust Always Comes First. We hope you identify with its importance... READ MORE...


VOL. 2, ISSUE 9   •   FEBRUARY, 2010
It's hard in the middle of winter to be positive about the future. It's even harder when the news is relentlessly downbeat. I would like to share an important idea in this difficult time, and I hope this thought will help you believe as strongly in the future as we do. READ MORE...


VOL. 2, ISSUE 7   •   DECEMBER, 2009
Thinking about all the turmoil in financial markets, real estate and government that has occurred over the last two years, I am forced to recall the quote from Mark Twain, "History doesn't repeat itself, but it does rhyme." READ MORE...


VOL. 2, ISSUE 6   •   NOVEMBER, 2009
Complimentary Consultation
Because so many of you now have children and even grandchildren in the workforce, we thought it would be appropriate to offer our comprehensive financial planning services to them. READ MORE...


VOL. 2, ISSUE 5   •   OCTOBER, 2009
Hell Week, One Year On
The following article from Nick Murray's most recent newsletter puts a meaningful perspective on the events of last year. We couldn't have written it better, so we didn't. READ MORE...


VOL. 2, ISSUE 4   •   SEPTEMBER, 2009
Gold: The Stable Asset
We have recommended gold and precious metal funds for many of our clients as well as foreign bond and foreign stock funds. All have one thing in common; they are negatively correlated with the U.S. dollar. This means that the price of these three asset classes trend up as the U.S. dollar weakens, and the price of these asset classes trend down as the U.S. dollar strengthens. READ MORE...


VOL. 2, ISSUE 3   •   AUGUST, 2009
Portfolio Reviews
Portfolio Reviews Portfolio reviews are an essential part of the financial planning process. It is important to understand why your portfolio performs the way it does within the context of current economic conditions. READ MORE...


VOL. 2, ISSUE 2   •   JULY, 2009
For this month's newsletter, we are again passing along what we feel is a very appropriate article from the most recent Nick Murray newsletter. This article gives a meaningful perspective to our economic times. READ MORE...


VOL. 1, ISSUE 12   •   MAY, 2009
As we write this month's newsletter article, it is the beginning of the Memorial Day weekend; the unofficial beginning of summer. Flowers and trees have blossomed, and the grass is green. Even the ivy at Wrigley Field has already turned green. Maybe this will finally be the Cubs' year. Nah...I doubt it. READ MORE...


VOL. 1, ISSUE 11   •   APRIL, 2009
Are Investors In The Clear?
Since our last newsletter, we have just completed the best one month performance in the U.S. stock market since 1933. Does this mean that investors are in the clear? READ MORE...


VOL. 1, ISSUE 10   •   MARCH, 2009
Dow Jones Jumps 1000 Points Over Last Two Weeks.
Over the last two weeks, the Dow Jones Industrial Average has jumped approximately 1000 points. Why is this happening? READ MORE...


VOL. 1, ISSUE 9   •   FEBRUARY, 2009
One of our favorite financial advisors, Nick Murray, a 42-year veteran of the financial advisory profession, published the following essay this month. It helps bring perspective to our current economic situation. "The Recession: How Bad Is It?" READ MORE...


VOL. 1, ISSUE 8   •   JANUARY, 2009
Financially, 2008 was the most difficult year in the history of our firm. We have either met with or talked to most of you over the last few months to review your portfolio, and discuss what happened in 2008, and what we anticipate going forward in the stock and bond markets. Because of this unprecedented market volatility, and the large volume of meetings and phone calls, there is an area that we would like to address: How we serve you. READ MORE...


VOL. 1, ISSUE 7   •   DECEMBER, 2008
Thoughts about 2008
As this is our last newsletter for 2008, we thought we would close out the year with some thoughts about 2008, and a look forward to 2009. READ MORE...


VOL. 1, ISSUE 6   •   NOVEMBER, 2008
The last time the stock market performed as poorly as October 2008, was in October 1987. In light of this, we want to share several thoughts with you. We hope they are helpful. READ MORE...


VOL. 1, ISSUE 5   •   OCTOBER, 2008
As you know all too well, the last few weeks have been very turbulent for investors. We have talked to many of you, and hopefully have given you a perspective on the times. To those of you that we have not had the opportunity to talk to, please call for an appointment if you have concerns. READ MORE...


VOL. 1, ISSUE 4   •   SEPTEMBER, 2008
An Impulse Isn't a Strategy
Nick Murray, one of our favorite financial services writers recently wrote this essay. It couldn't better reflect our feelings. READ MORE...


VOL. 1, ISSUE 3   •   AUGUST, 2008
Monthly Message
Alright, enough already with the bad news. We thought it was time to provide some good news in relation to the state of our economy and the U.S. market. READ MORE...


VOL. 1, ISSUE 2   •   JULY, 2008
Monthly Message
John Templeton, the renowned investor, mutual fund founder, and philanthropist died July 2008. Mr. Templeton has been one of the guiding lights of Equitrust Financial Group's investment strategies. READ MORE...


VOL. 1, ISSUE 1   •   JUNE, 2008
Welcome to Equitrust Financial Monthly
Welcome to Equitrust Financial Monthly, a new e-newsletter that comes directly to your email each month. READ MORE...


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