Arroyo Investment Group

07/18/2026

Bonds are back. And the data makes a compelling case for why they belong in your portfolio right now. 📊

For years, bonds offered very little income and limited protection. That has changed significantly. According to Capital Group, here is how today's bond market compares to 2022:

Yields are 2.7x higher: Bloomberg U.S. Aggregate now yields 4.67% vs. 1.75% in 2022
Less interest rate risk: duration has fallen by about one year, meaning bonds are less sensitive to rate moves

The Fed has 350 basis points more room to cut rates than in 2022, giving bonds far more cushion in the event of an equity sell-off

Starting yields of roughly 4.5% to 5% have historically been a reliable guide to future bond returns. That income also helps cushion portfolios during periods of market uncertainty.
This is a sharp contrast to 2022, when low yields and limited Fed flexibility meant bonds provided little protection when stocks fell hard. Today the setup is fundamentally more favorable.

At Arroyo Investment Group, we believe true diversification means giving every asset class the role it deserves when the fundamentals support it. Right now, bonds deserve a meaningful place in a balanced portfolio.

Source: Capital Group, Bloomberg. As of May 31, 2026.

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

07/17/2026

⏰ In investing, time in the market almost always beats timing the market.

Investors who tried to sidestep downturns by moving to cash have historically missed the best recovery days, which often come quickly and unpredictably right after the worst ones.

Missing just the 10 best days in the market over a 20-year period can cut your returns nearly in half.

Staying invested, staying diversified, and staying disciplined is the most reliable path to long-term wealth.

At Arroyo Investment Group, we help our clients stay the course when it matters most.

👉 https://arroyoinvestmentgroup.com/pasadena-financial-advisors/

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

07/17/2026

🎁 Looking for one of the most meaningful financial gifts you can give a child?
Consider a Roth IRA.

If a child has legitimate earned income, they may qualify to contribute. And decades of potential tax-free compounding can create an incredible long-term head start.

Even a few thousand dollars contributed in the teenage years can grow into something extraordinary over 40 or 50 years inside a Roth IRA.

Beyond the financial benefit, it teaches children something even more valuable: the habit of thinking long-term with their money.

The value of saving consistently
How compounding works over time
Long-term financial discipline
The habit of thinking beyond today

If you would like to start a Roth IRA today for yourself, your child, or your grandchild, we would love to help. It is one of the most rewarding conversations we get to have.

At Arroyo Investment Group, we love helping families think across generations when it comes to financial planning.

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com
Sources: Schwab, Fidelity, IRS

07/16/2026

🌎 True diversification is one of the most powerful tools in investing. And one of the most misunderstood.

Many investors think they are diversified because they own a lot of stocks. But if those stocks are all in the same sectors or follow the same trends, the protection you think you have may not be there when you need it most.

At Arroyo Investment Group, we build portfolios diversified across:

• Asset classes (stocks, bonds, mutual funds)
• Sectors (technology, healthcare, energy, financials, and more)
• Geographies (domestic and international)
• Investment styles (growth, value, income)

Real diversification is intentional. It is built, not assumed.

👉 https://arroyoinvestmentgroup.com/pasadena-financial-advisors/

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

07/16/2026

Consumer prices just posted their largest monthly decline since 2020. Here is what it means for investors. 📊

The latest CPI report brought some encouraging news. Here are the key takeaways:

CPI fell 0.4% in June, the largest monthly decline since April 2020, bringing year-over-year inflation down to 3.5%, better than the 3.8% economists expected and a meaningful improvement from 4.2% in May.

The biggest driver was gasoline, which dropped 9.7% in June. Brent crude has been hovering around $70 per barrel, well below the $100 to $120 range seen earlier this year.

Core CPI, excluding food and energy, improved to 2.6% year-over-year. An even narrower measure excluding shelter came in at just 2.1%.

Oil prices have moved back above $80 recently due to ongoing Strait of Hormuz tensions, but even at those levels inflation pressures are meaningfully lower than earlier this year.

The Fed's latest projections were made when inflation was near its recent peak. Further improvement could influence their policy decisions in the months ahead

The bottom line: energy-driven inflation is showing signs of easing. Economists often describe this kind of price pressure as transitory because its effects tend to fade once the underlying disruption eases.

For long-term investors, one monthly report does not change the bigger picture. But this one is an encouraging step in the right direction.

At Arroyo Investment Group, we actively monitor economic trends like these to make sure our clients' portfolios are always positioned for what is ahead.

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

07/16/2026

The real question is not whether you like your advisor.
It is whether you can measure their results.

Because when results are unclear, you may miss risks, fees, or underperformance for years.

Learn more 👉 https://lttr.ai/AqHvb

07/15/2026

💡 One of the most powerful things you can do for your financial future costs nothing: start asking better questions.

Questions like:
• Is my portfolio truly diversified or just concentrated in a few areas?
• Am I on track to retire when I want to?
• Does my advisor have a verifiable, transparent track record?
• Am I paying more in fees than I realize?

At Arroyo Investment Group, we welcome every question, no matter how basic or how complex. That is exactly what we are here for.

👉 https://arroyoinvestmentgroup.com/financial-second-opinion/

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

07/15/2026

Why does the stock market keep hitting new highs when the world seems so uncertain? Corporate earnings. 📈

It is not just AI driving this market. Companies across many sectors are delivering remarkable results.

According to Capital Group, here is what earnings growth looks like globally in 2026:
U.S.: +23.0%
Europe: +14.6%
Japan: +11.1%
Emerging markets: +49.2%
China: +5.2%

And the stories behind the numbers are compelling. Eli Lilly's Q1 sales surged 56% on weight loss and diabetes drug demand. ExxonMobil and Shell are benefiting from higher oil prices. Apple posted blockbuster earnings driven by iPhone 17 sales, not AI.

As Capital Group equity portfolio manager Rob Lovelace puts it: "When I look at the market going forward, the key element is this underpinning of strong corporate earnings. This growth has been evident for the last three years, and it doesn't look like it's slowing down."
For long-term investors, this is exactly the kind of fundamental backdrop that rewards patience and diversification.

At Arroyo Investment Group, we actively manage diversified portfolios built to capture exactly these kinds of opportunities across sectors and geographies.

Source: Capital Group, FactSet, MSCI, S&P Global. Estimates as of May 31, 2026.

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

07/14/2026

📊 Your portfolio should reflect your life, not just the market.

Every investor has a unique combination of goals, timeline, risk tolerance, and family circumstances. A portfolio built for someone else is not built for you.

At Arroyo Investment Group, every client relationship starts with understanding who you are, where you want to go, and what matters most to you along the way.

That is the difference between a generic strategy and a truly personalized financial plan.

👉 https://arroyoinvestmentgroup.com/pasadena-financial-advisors/

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

07/14/2026

Is your cash sitting in a bank account earning close to nothing? It may be costing you more than you think. 💰

With inflation running at 4.2% and short-term rates at just 3.7%, the real return on cash is negative right now. That means money sitting idle in a bank savings account is quietly losing purchasing power every single month.

Money market fund assets have hit a record $7.9 trillion nationwide. Many investors moved to cash during uncertain times and never moved back, missing significant market gains in the process.

If you have excess cash beyond what you need for near-term expenses, now is a great time to put it to work.

Read John Odell's full article here:
👉 https://arroyoinvestmentgroup.advisorlibrary.com/the-role-of-cash-in-ikdrb1ikcm

At Arroyo Investment Group, we help clients make sure every dollar in their financial plan is working as hard as it should be. Reach out today.

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

The baseball player Yogi Berra once said that “a nickel ain’t worth a dime anymore.” With inflation still elevated, many investors and consumers may be feeling this way as well. Not only are everyday costs higher due to energy prices, but short-term interest rates have fallen over the past two...