The question on investor’s minds is how will the markets react to the elections next month and will a contested election result in more volatility? We have already seen much volatility in the markets with large daily swings. Most experienced investors feel that markets are overvalued and don’t reflect economic conditions. We believe that in the near-term (5 years or less), markets will remain volatile and that some sectors are overvalued while others are undervalued. These volatile days/weeks create buying opportunities because in the long-term, we believe that stocks are the best investment to save for retirement and to beat inflation.