Seven of the eleven sectors are reporting year-over-year earnings growth for the fourth quarter of 2024. In terms of revenues, 63% of S&P 500 companies have reported actual revenues above estimates, which is below the 5-year average of 69% and below the 10-year average of 64%.

Shifting from an accumulation to a decumulation (or distribution) phase is done gradually. The process typically starts when you are 10 or less years away from your retirement. It starts by taking a certain percentage of your retirement