If you have been watching the news lately, you probably have been hearing stories about the state of the Markets which have been very volatile indeed. As the chart below indicates, The Dow Jones Industrial Average is down almost 7% and the S&P 500 is down almost 10% since the start of 2022.

The time value of money (TVM) is a useful tool in helping you understand the worth of money in relation to time. It is a formula often used by investors to better understand the value of money as it compares to its value in the future.

While the Markets view the presidential election positively, it continues to exhibit volatility due to the on-going threat of the Coronavirus Pandemic.

The 3rd quarter saw the Markets make up for losses from March and grew 9.2%.