--- title: Wauchula State Bank Financial Blog (21) description: Read our Wauchula State Bank financial blog for financial management resources and information on wealth management services. (21) --- [Skip to main content](https://www.wauchulastatebank.com/blog/page/21#main-content) [![WSB-Affiliation-Logo-1](https://www.wauchulastatebank.com/hs-fs/hubfs/WSB-Affiliation-Logo-1.png?width=2471&height=483&name=WSB-Affiliation-Logo-1.png "WSB-Affiliation-Logo-1")](https://www.wauchulastatebank.com) - [Search](https://www.wauchulastatebank.com/search) - [Login](https://www.wauchulastatebank.com/blog/page/21#) X Online Banking NetXInvestor Online banking is currently unavailable due to a planned system update. Services will resume on Monday, Sept. 25. [Log in to my account](https://www.netxinvestor.com/web/netxinvestor/login) [privacy and security](https://www.wauchulastatebank.com/privacy) [Login](https://www.wauchulastatebank.com/blog/page/21#) # On Our Minds List Grid Browse by topic All Topics Business Buying a home Chart of the Day Commercial Real Estate Community Bank Economy Estate Planning Loan Managing your Wealth Market Update Mobile Banking Online Banking Real Estate Retirement Savings Security and Fraud Prevention Taxes [Estate Planning](https://www.wauchulastatebank.com/blog/tag/estate-planning) 05/12/22 ### [Which Estate Planning Documents Do I Need?](https://www.wauchulastatebank.com/blog/which-estate-planning-documents-do-i-need) Estate planning is the process of deciding who will receive an individual’s assets, who will manage their financial affairs if incapacitated, and settle the estate after death. Estate planning is necessary for anyone who owns property that they wish to pass down to a relative, close friend, or charitable interests, and to name a guardian for minor children or provide care for pets.  [More](https://www.wauchulastatebank.com/blog/which-estate-planning-documents-do-i-need) [Chart of the Day](https://www.wauchulastatebank.com/blog/tag/chart-of-the-day) 05/5/22 ### [Selling Low](https://www.wauchulastatebank.com/blog/selling-low) The rule of thumb is to buy low and sell high. [More](https://www.wauchulastatebank.com/blog/selling-low) [Chart of the Day](https://www.wauchulastatebank.com/blog/tag/chart-of-the-day) 05/5/22 ### [Daily Median Income for World](https://www.wauchulastatebank.com/blog/daily-median-income-for-world) From 2001 to 2017, the daily median income doubled for everyone in the world. [More](https://www.wauchulastatebank.com/blog/daily-median-income-for-world) [Chart of the Day](https://www.wauchulastatebank.com/blog/tag/chart-of-the-day) 05/3/22 ### [Winning is Hard, Staying a Winner is Even Harder](https://www.wauchulastatebank.com/blog/winning-is-hard-staying-a-winner-is-even-harder)   S&P Dow Jones Indices has published their updated [U.S. Persistence Scorecard](https://www.spglobal.com/spdji/en/documents/spiva/persistence-scorecard-year-end-2021.pdf). A mere 2.2% of actively managed U.S. domestic equity funds in the [top quartile](https://www.investopedia.com/terms/q/quartile.asp#toc-what-is-a-quartile) for 12 months performance at the end of 2019 stayed ahead of three-quarters of their peers when measured two years later. [More](https://www.wauchulastatebank.com/blog/winning-is-hard-staying-a-winner-is-even-harder) [Chart of the Day](https://www.wauchulastatebank.com/blog/tag/chart-of-the-day) 04/27/22 ### [Real Estate vs. Stock Market](https://www.wauchulastatebank.com/blog/real-estate-vs-stock-market) Past performance is no predictor of future success, but it is interesting to compare the past performance of different investments. These charts show the value of $100 invested in real estate (red) and the stock market (blue.) The chart above shows that over the last 15 years, the stock market was the place to be. [More](https://www.wauchulastatebank.com/blog/real-estate-vs-stock-market) [Estate Planning](https://www.wauchulastatebank.com/blog/tag/estate-planning) 04/25/22 ### [Best vs. Worst](https://www.wauchulastatebank.com/blog/best-vs-worst) Some investment managers promote a strategy called “Sector Rotation” where they try to time the market by trading between the 11 major sectors of the economy. The gains can be tempting, but the risk is high. For instance, if you owned all energy stocks, you would be up +40% year to date, but if you thought communications was the place to be, you would be down -20%. This is a possible difference of 60% in your returns. According to the chart, which includes more sub sectors, the difference is the highest since 2000. [More](https://www.wauchulastatebank.com/blog/best-vs-worst) [Chart of the Day](https://www.wauchulastatebank.com/blog/tag/chart-of-the-day), [Managing your Wealth](https://www.wauchulastatebank.com/blog/tag/managing-your-wealth) 04/7/22 ### [Sale and Dividends](https://www.wauchulastatebank.com/blog/sale-and-dividends) There are two ways to make money in stocks: [More](https://www.wauchulastatebank.com/blog/sale-and-dividends) [Chart of the Day](https://www.wauchulastatebank.com/blog/tag/chart-of-the-day), [Managing your Wealth](https://www.wauchulastatebank.com/blog/tag/managing-your-wealth) 04/5/22 ### [100% of the Time](https://www.wauchulastatebank.com/blog/100-of-the-time) I think about this chart often during discussions with clients on having too much exposure to single stocks. [More](https://www.wauchulastatebank.com/blog/100-of-the-time) [Chart of the Day](https://www.wauchulastatebank.com/blog/tag/chart-of-the-day) 03/30/22 ### [Real Estate Prices vs. Income](https://www.wauchulastatebank.com/blog/real-estate-prices-vs.-income) Real estate is unique since humans need a physical place to live and work. Economics says the price of those physical places is constrained by the cost of the physical labor to build them. [More](https://www.wauchulastatebank.com/blog/real-estate-prices-vs.-income) [Chart of the Day](https://www.wauchulastatebank.com/blog/tag/chart-of-the-day), [Managing your Wealth](https://www.wauchulastatebank.com/blog/tag/managing-your-wealth) 03/23/22 ### [Bond Length Matters](https://www.wauchulastatebank.com/blog/bond-length-matters) Duration describes the time it takes for a bond holder to get all their money back and/or the change in price for each 1% change in the interest rate. [More](https://www.wauchulastatebank.com/blog/bond-length-matters) current_page_num+2: 23 -