2016 ended up a good year to be an investor. The US stock market (as measured by the Russell 3000) was up 12.74%. All other major asset classes — international developed stocks, emerging markets stocks, global real estate, US bonds, and international bonds were also positive for the year. Small and value stocks had a particularly outstanding year, outperforming their large and growth counterparts. Who would have expected these kind of results when the year got off to such a rocky start? Our experience in 2016 is just one more example of the futility of attempting to predict markets and the benefits of maintaining a disciplined investment strategy regardless of market conditions. For more details and complete break-down of 2016 investment results, our 2016 Keener Financial Planning Annual Market Report is now available.