This article explains in the simplest possible terms the fragility of US equities, based on a deeper understanding of the nature of valuation and the earnings cycle. This is why a hedging strategy has become important.
Why Stock Prices Are More Stretched than You Think: A Tale of 3 P/E Multiples

The Ultimate Savings Account Cannot be Found within a Bank
The good news is that you don’t have to choose. Link your existing bank account to an Ultimate Savings Account, and you keep the banking functions you actually need while

