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Resources – Annual Returns & Intra-Year Declines
Infographic titled 'Every year is a roller coaster' showing a volatility chart, a roller-coaster graphic, and investor mood icons (logical vs emotional) with hold/wait signals.

This market volatility guide provides an overview of how short-term market declines and intra-year volatility have historically impacted long-term investment returns. Using historical S&P 500 data, the resource illustrates that while market corrections and periods of uncertainty are common, calendar-year returns have remained positive in the majority of years observed. It also explores how investor behavior and emotional decision-making can influence long-term investment outcomes during periods of market turbulence. Designed for individuals seeking perspective on market volatility, retirement investing, and long-term financial planning, this resource helps investors better understand the importance of maintaining discipline through changing market conditions and aligning investment decisions with their financial goals and risk tolerance.

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