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50/*!
51Theme Name: Divi
52Theme URI: http://www.elegantthemes.com/gallery/divi/
53Version: 4.23.1
54Description: Smart. Flexible. Beautiful. Divi is the most powerful theme in our collection.
55Author: Elegant Themes
56Author URI: http://www.elegantthemes.com
57License: GNU General Public License v2
58License URI: http://www.gnu.org/licenses/gpl-2.0.html
59*/
60
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70	  * Licensed under the MIT license - http://opensource.org/licenses/MIT
71	  * Copyright (c) 2015 Daniel Eden
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239			<article id="post-4878" class="et_pb_post clearfix et_pb_no_thumb et_pb_blog_item_0_0 post-4878 post type-post status-publish format-standard has-post-thumbnail hentry category-research_news">
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242														<h2 class="entry-title"><a href="https://assetdedication.com/wings-of-the-black-swan/">Wings of the Black Swan</a></h2>
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244					<p class="post-meta">by <span class="author vcard"><a href="https://assetdedication.com/author/yeomandassetdedication-com/" title="Posts by Asset Dedication" rel="author">Asset Dedication</a></span> | <span class="published">Jun 1, 2026</span> | <a href="https://assetdedication.com/category/research_news/" rel="tag">&lt;&lt; Research &amp; News</a></p><div class="post-content"><div class="post-content-inner et_pb_blog_show_content"><div class="et_pb_section et_pb_section_10000 et_section_regular" >
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262				<div class="et_pb_text_inner"><p style="text-align: justify;"><span style="font-weight: 400;"><img decoding="async" loading="lazy" src="//assetdedication.com/wp-content/plugins/a3-lazy-load/assets/images/lazy_placeholder.gif" data-lazy-type="image" data-src="https://assetdedication.com/wp-content/uploads/2026/07/Picture1.png" width="234" height="88" alt="" class="lazy lazy-hidden wp-image-4900 alignleft size-full" /><noscript><img decoding="async" loading="lazy" src="//assetdedication.com/wp-content/plugins/a3-lazy-load/assets/images/lazy_placeholder.gif" data-lazy-type="image" data-src="https://assetdedication.com/wp-content/uploads/2026/07/Picture1.png" width="234" height="88" alt="" class="lazy lazy-hidden wp-image-4900 alignleft size-full" /><noscript><img decoding="async" loading="lazy" src="https://assetdedication.com/wp-content/uploads/2026/07/Picture1.png" width="234" height="88" alt="" class="wp-image-4900 alignleft size-full" /></noscript></noscript></span><span style="font-weight: 400;">In this article, Asset Dedication’s research team provided empirical evidence of why the short
262-term turbulence in the market that always generates alarmist headlines is best ignored based on historical perspectives of long-term results.  Short-term market returns are not normally distributed.  They have very fat tails – many returns over 10 standard deviations from the mean!</span></p>
263<p style="text-align: justify;"><a href="https://edition.pagesuite-professional.co.uk/html5/reader/production/default.aspx?pnum=44&amp;edid=9202c1da-76eb-4877-bd87-0e250e516477&amp;isshared=true&amp;utm_campaign=JFP%20Inbox%20Edition&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_ow-S93vdYhr6KonpOBcTQSVNogjAcoFQmiqc13Tp2Rb0oXsF3LUjnRh57SftgB_GzDoTNJRuWb9olXPDaVF2yptcCjg&amp;_hsmi=421662090&amp;utm_content=421662090&amp;utm_source=hs_email"><span style="font-weight: 400;">Click here for the full article.</span></a></p>
264<p style="text-align: justify;"><a href="https://assetdedication.com/wp-content/uploads/2025/12/PPT-on-Black-Swan-Article-FINAL.pdf"><span style="font-weight: 400;">Click here for the PowerPoint presentation</span></a></p>
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282														<h2 class="entry-title"><a href="https://assetdedication.com/update-on-award-winning-asset-dedication-article/">Update on Award-winning Asset Dedication Article</a></h2>
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284					<p class="post-meta">by <span class="author vcard"><a href="https://assetdedication.com/author/yeomandassetdedication-com/" title="Posts by Asset Dedication" rel="author">Asset Dedication</a></span> | <span class="published">Oct 28, 2025</span> | <a href="https://assetdedication.com/category/research_news/research/" rel="tag">2. Research</a></p><div class="post-content"><div class="post-content-inner et_pb_blog_show_content"><div class="et_pb_section et_pb_section_10001 et_section_regular" >
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302				<div class="et_pb_text_inner"><p><span style="font-weight: 400;"><img decoding="async" loading="lazy" src="//assetdedication.com/wp-content/plugins/a3-lazy-load/assets/images/lazy_placeholder.gif" data-lazy-type="image" data-src="https://assetdedication.com/wp-content/uploads/2025/10/image-300x202.png" width="296" height="199" alt="" class="lazy lazy-hidden wp-image-4848 alignleft size-medium" srcset="" data-srcset="https://assetdedication.com/wp-content/uploads/2025/10/image-300x202.png 300w, https://assetdedication.com/wp-content/uploads/2025/10/image.png 332w" sizes="(max-width: 296px) 100vw, 296px" /><noscript><img decoding="async" loading="lazy" src="//assetdedication.com/wp-content/plugins/a3-lazy-load/assets/images/lazy_placeholder.gif" data-lazy-type="image" data-src="https://assetdedication.com/wp-content/uploads/2025/10/image-300x202.png" width="296" height="199" alt="" class="lazy lazy-hidden wp-image-4848 alignleft size-medium" srcset="" data-srcset="https://assetdedication.com/wp-content/uploads/2025/10/image-300x202.png 300w, https://assetdedication.com/wp-content/uploads/2025/10/image.png 332w" sizes="(max-width: 296px) 100vw, 296px" /><noscript><img decoding="async" loading="lazy" src="https://assetdedication.com/wp-content/uploads/2025/10/image-300x202.png" width="296" height="199" alt="" class="wp-image-4848 alignleft size-medium" srcset="https://assetdedication.com/wp-content/uploads/2025/10/image-300x202.png 300w, https://assetdedication.com/wp-content/uploads/2025/10/image.png 332w" sizes="(max-width: 296px) 100vw, 296px" /></noscript></noscript>Asset Dedication recently published “U.S. Asset Class Returns Based on Time Horizons, Size, and Style” in the latest edition of the Retirement Management Journal (click </span><a href="https://a-us.storyblok.com/f/1016289/x/35c1fe5e8c/rmj141-u-s-asset-class-returns-based-on-time-horizons-size-and-style.pdf"><span style="font-weight: 400;">here</span></a><span style="font-weight: 400;">).  It is an update to the 2018 paper “Safety Zones, Danger Zones, and the Critical Path:  Visualizing U.S. Asset Class Returns Based on Time Horizons, Size, and Style,” which w
302on the 2019 Journal Research Award given by the Investment &amp; Wealth Institute published originally in Retirement Management Journal</span> <span style="font-weight: 400;">Vol. 7, No. 1 ,2018 (click </span><a href="https://publications.investmentsandwealth.org/iwpublications/library/item/vol__7__no__1__2018/4122342/?_gl=1*5s0z8s*_gcl_au*MTc1NTcyODQxNS4xNzYwNzI5MTky"><span style="font-weight: 400;">here</span></a><span style="font-weight: 400;">).  The original paper included an analysis not only of long-term return patterns, it also outlined the unique dedicated portfolio strategy pioneered by Asset Dedication for personal finance in our </span><a href="https://www.amazon.com/Asset-Dedication-Wealthy-Generation-Allocation/dp/0071434828/ref=sr_1_1?s=books&amp;ie=UTF8&amp;qid=1527714400&amp;sr=1-1&amp;keywords=asset+dedication"><span style="font-weight: 400;">book</span></a><span style="font-weight: 400;">. A PowerPoint slide deck of the most recent article can be downloaded <a href="https://assetdedication.com/wp-content/uploads/2025/10/Horseshoe-PPT-3.pdf">here</a>.</span></p>
303<p><a href="https://a-us.storyblok.com/f/1016289/x/35c1fe5e8c/rmj141-u-s-asset-class-returns-based-on-time-horizons-size-and-style.pdf" target="_blank" rel="noopener">Click here to read the paper. &gt;&gt;</a></p></div>
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320														<h2 class="entry-title"><a href="https://assetdedication.com/fighting-recency-bias/">Fighting Recency Bias</a></h2>
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322					<p class="post-meta">by <span class="author vcard"><a href="https://assetdedication.com/author/yeomandassetdedication-com/" title="Posts by Asset Dedication" rel="author">Asset Dedication</a></span> | <span class="published">Dec 28, 2023</span> | <a href="https://assetdedication.com/category/research_news/research/" rel="tag">2. Research</a></p><div class="post-content"><div class="post-content-inner et_pb_blog_show_content"><div class="et_pb_section et_pb_section_10002 et_section_regular" >
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340				<div class="et_pb_text_inner"><p><img class="lazy lazy-hidden" decoding="async" src="//assetdedication.com/wp-content/plugins/a3-lazy-load/assets/images/lazy_placeholder.gif" data-lazy-type="image" data-src="https://assetdedication.com/wp-content/uploads/2020/05/5a0db43946434-300x64.png" style="float: left;" /><noscript><img class="lazy lazy-hidden" decoding="async" src="//assetdedication.com/wp-content/plugins/a3-lazy-load/assets/images/lazy_placeholder.gif" data-lazy-type="image" data-src="https://assetdedication.com/wp-content/uploads/2020/05/5a0db43946434-300x64.png" style="float: left;" /><noscript><img decoding="async" src="https://assetdedication.com/wp-content/uploads/2020/05/5a0db43946434-300x64.png" style="float: left;" /></noscript></noscript><span style="font-size: 14px;">Projecting the future based on recent events is built into our instinctive circuitry but, as we all know, basing investment decisions on the latest market fluctuations works against long-term returns. This article maps out one-d</span><span style="font-size: 14px;">ay correlations for returns of the S&amp;P 500 index since 1928, and other tables show correlations over 5 trading days, four weeks, 12 months and four quarters—and all of them are weak. With annual data, the correlations gradually increase with each additional year of time horizon. Strong correlations do occur but only when dealing with decades: higher returns over a 15 year span are correlated with lower returns the following 20-year span (r = – .91) due to the constant tendency toward reversion to the mean long-term return.</span></p>
341<p><a href="https://www.advisorperspectives.com/articles/2023/12/05/fighting-funds-recency-bias-fixed-income" target="_blank" rel="noopener">Click here to read the paper. &gt;&gt;</a></p></div>
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358														<h2 class="entry-title"><a href="https://assetdedication.com/periodic-tables-a-white-paper/">Periodic Tables – A White Paper</a></h2>
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360					<p class="post-meta">by <span class="author vcard"><a href="https://assetdedication.com/author/yeomandassetdedication-com/" title="Posts by Asset Dedication" rel="author">Asset Dedication</a></span> | <span class="published">Jul 31, 2020</span> | <a href="https://assetdedication.com/category/research_news/research/" rel="tag">2. Research</a></p><div class="post-content"><div class="post-content-inner et_pb_blog_show_content"><div class="et_pb_section et_pb_section_10003 et_section_regular" >
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379<p>Bob Veres, perhaps the best-known commentator and reviewer of financial advising articles, gave a very favorable review of this white paper in the August 2020 edition of <em>Inside Information</em>.  The periodic table of asset returns is among the most widely used visual image to demonstrate the randomness of returns but only for one-year time horizons.  This white paper presents periodic tables for longer time horizons, stretching out to 30 years.  Using statistical analysis, the research reveals that over longer spans, much of the randomness vanishes, with rank correlations reaching 85%.</p>
380<p><a href="https://assetdedication.com/wp-content/uploads/2020/07/Periodic-Tables-Illusion-of-Extrapolating-Randomness-FINAL.pdf" target="_blank" rel="noopener noreferrer">Click here to read the paper. &gt;&gt;</a></p></div>
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397														<h2 class="entry-title"><a href="https://assetdedication.com/how-dedicated-portfolios-reduce-behavioral-risk/">How Dedicated Portfolios Reduce Behavioral Risk</a></h2>
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399					<p class="post-meta">by <span class="author vcard"><a href="https://assetdedication.com/author/yeomandassetdedication-com/" title="Posts by Asset Dedication" rel="author">Asset Dedication</a></span> | <span class="published">May 12, 2020</span> | <a href="https://assetdedication.com/category/research_news/research/" rel="tag">2. Research</a></p><div class="post-content"><div class="post-content-inner et_pb_blog_show_content">
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419<p>The article reviews how portfolios based on dedicated portfolio theory were made for volatile times like these and tend to hold up much better than portfolios based on modern portfolio theory.  The recent market turmoil in both the stock and the bond market put clients’ financial plans under pressure, however we show how the Asset Dedication approach helps reduce some of the risks in ways that MPT and other approaches do not.</p>
420<p><a href="https://www.advisorperspectives.com/articles/2020/05/11/how-dedicated-portfolios-reduce-behavioral-risk?topic=retirement" target="_blank" rel="noopener noreferrer">Click here to read the paper. &gt;&gt;</a></p></div>
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437														<h2 class="entry-title"><a href="https://assetdedication.com/asset-dedication-wins-award-for-research-on-long-term-investing/">Asset Dedication Wins Award for Research on Long Term Investing</a></h2>
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439					<p class="post-meta">by <span class="author vcard"><a href="https://assetdedication.com/author/yeomandassetdedication-com/" title="Posts by Asset Dedication" rel="author">Asset Dedication</a></span> | <span class="published">Mar 14, 2019</span> | <a href="https://assetdedication.com/category/research_news/research/" rel="tag">2. Research</a></p><div class="post-content"><div class="post-content-inner et_pb_blog_show_content"><p><div class="et_pb_section et_pb_section_10005 et_section_regular" >
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458<p>The Investment &amp; Wealth Institute awarded Asset Dedication’s Stephen J. Huxley, Ph.D. and Brent Burns, MBA, the 2019 Journal Research Award for their paper “Safety Zones, Danger Zones, and the Critical Path:  Visualizing U.S. Asset Class Returns Based on Time Horizons, Size, and Style,” published in the <a href="https://investmentsandwealth.org/publications/retirement-management-journal">Retirement Management Journal</a>, Vol. 7, No. 1 (2018).  The paper included an analysis not only of long-term return patterns, it also outlined the unique dedicated portfolio pioneered by Asset Dedication for personal finance as outlined in our <a href="https://www.amazon.com/Asset-Dedication-Wealthy-Generation-Allocation/dp/0071434828/ref=sr_1_1?s=books&amp;ie=UTF8&amp;qid=1527714400&amp;sr=1-1&amp;keywords=asset+dedication">book</a>.  The award was given at the IWI <a href="https://investmentsandwealth.org/ace">conference</a> in Las Vegas, May 5-7, 2019.   <a href="https://assetdedication.com/wp-content/uploads/2019/03/RMJ-Article-on-Visualizing-as-published-12-2018.pdf" target="_blank" rel="noopener noreferrer">Click here to read the paper. &gt;&gt;</a></p></div>
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