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The Zoe Blog

Household debt is NOT the same as ’08

Posted by Andres Garcia on May 18, 2017 3:30:37 PM
  • US Household debt is nowhere near as high as it was in the last peak when you account for recent economic growth.
  • The mix of household debt is changing as student and auto loans become a bigger piece of the pie.
  • A hot auto loan market could be an early sign of an aging economic expansion.

After the NY Federal Reserve released their quarterly Household and Credit Report a few days back, a bunch of people have asked me if they should be worried by the fact that Americans' level of debt is back to what it was in 2008. After all, 2008 was pretty scary and household leverage was the root cause of the great recession back then. It also doesn't help that certain headlines read  Household debt tops 2008 peak ahead of financial crisis.

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Topics: Investment Insights

Markets are stable because the world is in a better place

Posted by Andres Garcia on May 12, 2017 2:25:03 PM

  • Geopolitical uncertainty remains elevated, but it is not the most important driver of markets.
  • Global Economic Growth momentum has picked up.
  • Growth Estimates, right or wrong, have the most clarity than in the last 10 years.
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Topics: Investment Insights

Dull markets do NOT predict the future

Posted by Andres Garcia on May 10, 2017 1:38:27 PM


  • VIX level does not consistently predict future equity returns.
  • High market volatility has been associated with strong future equity returns.
  • Low market volatility periods, like today, do not have any predictive power for equity returns.
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Topics: Investment Insights

*All investing is subject to risk, including the possible loss of the money you invest.

**The projections or other information generated by Zoe Financial, Inc. regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.


The Zoe Blog

Interesting and informative opinions and advice on personal finance.

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