January markets continued a year-long winning streak, racking up 10 record-breaking closings in just 13 trading days. Everything looked rosy as the year began: the US economy and global economy were picking up nicely, spurred by low interest rates and big corporate tax breaks. Then February arrived with a jarring 10% correction in just the first nine days of the month. Hold on to your seat. Volatility is back in both stocks and bonds.

It’s January again, which means a fresh round of investment advice from publications, pundits and prognosticators who want to help you make a fortune, or at least entice you to follow them on social media. Last year was extraordinary for investors in both US and global markets. The S&P 500 posted its third best year in the index’s history with a gain of 21.83%—and that was middle of the pack.