Volatility is back in the markets after one and a half years of relatively smooth sailing and rising asset prices. But just how common are market declines and what do they mean for annual returns?

It’s rare for annual market returns to be anywhere near its overall average. This doesn’t mean the calculations are wrong.

There will never be a perfect time to invest. But the longer you wait, the more it will cost you.

In volatile markets, whether investors end up making or losing money depends less on what the market is doing and more on how they react.

Volatile markets can be a time of opportunity rather than devastation.