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A Study ofMarket Behavior

northpointadvisorgroup.comAsset allocation drives risk and returnSource: Vanguard. Best and worst calendar-year returns from 1926 through 2014. Stocks are represented by the Standard & Poor's 90 Index from 1926 to March 3, 1957; the S&P 500 Index from March 4, 1957, through 1974; the Wilshire 5000 Index from 1975 through April 22, 2005; the MSCI US Broad Market Index from April 23, 2005, to June 2, 2013; and the CRSP US Total Market Index thereafter. Bonds are represented by the S&P High Grade Corporate Index from 1926 to 1968; the Citigroup High Grade Index from 1969 to 1972; the Barclays U.S. Long Credit AA Index from 1973 to 1975; the Barclays U.S. Aggregate Bond Index from 1976 to 2009; and the Spliced Barclays U.S. Aggregate Float Adjusted Index thereafter.

northpointadvisorgroup.comTime, diversification, and the volatility of returns

northpointadvisorgroup.comInvestors have historically underperformed the indicesSource: Dalbar, SeekingAlpha.com

northpointadvisorgroup.comSources: FactSet, Standard & Poor’s, J.P. Morgan Asset Management - Guide to the Markets. Data is as of January 20, 2022. Analysis is based on the J.P. Morgan Guide to the Markets – Principles for Successful Long-term Investing. Don’t let short-term volatility scare you out of the market

northpointadvisorgroup.comMarkets corrections are common

northpointadvisorgroup.comMarkets typically can recover quickly - the deeper the decline, the larger the rebound

northpointadvisorgroup.comBear markets have been relatively short-lived

northpointadvisorgroup.comOur approach to overcoming historical obstacles to performance