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01 · Explore performance
How would $1,000 have grown?
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Values, dates and sources
Open full comparison workspace →Your instruments and start month carry over.
Choose investments
Selected market health
Market climate detail
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Market cycle and investment scenarios
Where the market stands
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How is the stage assessed?
The model uses trend, valuation, participation, stability and recession indicators. These classifications are a guide to market conditions, rather than a fixed sequence or timetable. See the method and coverage.
What could these conditions mean for investments?
What these conditions could mean for investments
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Explore conditional scenarios over 6–12 months. Instrument directions refer to prices; sector directions refer to performance relative to the wider stock market.
Historical patterns vary across cycles. Business-cycle research · Bond prices and rates. Check observed sector leadership against this scenario.
Research in plain language
Monthly outlook and sources
Current regime
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Reviewing the latest dashboard signals and current financial news.
What changed and the latest readings
What changed and why
A plain-language interpretation of the stored indicators. It does not use news or guess at unseen causes.
Preparing a data-grounded explanation...
Score movement detail
Latest readings
Each marker shows the current value between a lower and upper reference point. Left means a lower number, not always higher risk; the colors and endpoint notes explain the direction.
What is this market made of?
Sector allocation shows concentration, separately from sector performance.
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Allocation basis and coverage
Economic healthNot loaded
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Underlying readings and dates
All economic charts and cited research
Economic backdrop
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A dashboard reading explains the numbers; cited web research adds current real-world context.
Jobs and income
Household earning power
Is unemployment rising?
A rise in unemployment can reduce household income and spending. It is on its own scale so even modest changes remain visible.
Is hiring strengthening or slowing?
The three-month average smooths noisy monthly hiring and shows the direction of labour demand.
Are layoffs picking up?
Weekly claims can provide an earlier indication of layoffs than the monthly employment report.
Are wages keeping pace with prices?
Nominal wage growth only improves purchasing power when it beats inflation. The real-wage line is the simple gap between pay growth and CPI.
Consumer demand
Spending and confidence
Is consumer spending growing?
Retail sales and real consumption are both growth rates, making a direct comparison meaningful without a second axis.
Are households feeling more confident?
Confidence can affect willingness to spend. It is shown separately from spending growth so neither series is flattened.
What are households spending on?
Durables are generally easier to delay than everyday nondurable goods. This is a useful demand-composition proxy, not a strict discretionary-versus-necessities split.
Household finance
Debt burden and repayment stress
How much income goes to debt payments?
Required debt payments as a share of income are more informative than debt levels alone. FRED publishes these ratios quarterly; the latest reading is held until the next release, not estimated month by month.
Is revolving debt growing?
The outstanding balance shows the scale and direction of revolving consumer debt, not whether borrowers can repay it.
Are more borrowers missing payments?
Late-payment rates show whether repayment stress is beginning to emerge across credit cards, consumer loans and mortgages.
Economic activity
Growth and policy
Is the economy growing?
GDP is reported quarterly. A dedicated chart keeps its smaller growth rate visible rather than flattening it against survey indexes.
Economic activity
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How are borrowing rates changing?
Interest rates affect loans, mortgages and company financing. Cooling inflation can give central banks more room to ease pressure.
Choose government markets
06 · Keep exploring
Explore investments
All sections ↑Choose an area to see its full charts, comparisons and research.
Stocks
Look at a company’s growth, debt, cash flow and valuation.
Open stock screener →Funds & market indices
Compare regions, investment styles and market benchmarks.
Compare markets →Bonds
Compare fund prices, investment growth and government yields.
Explore bonds →Commodities
See gold-linked, silver-linked and oil benchmarks with economic context.
Explore commodities →Sectors
Find which parts of the market are leading or losing ground.
See sector rotation →Company research
Compare peers, valuation scenarios and business evidence.
Open advanced screener →Data sources and freshness
Review the sources and observation dates behind the charts. Older readings and gaps are shown explicitly; missing observations are never replaced with generated samples.
How to read market health
How to read this page
What does market health mean?
Market health is a plain-language snapshot of whether broad market conditions are supportive, mixed, or stressed. The dashboard combines five lenses: trend strength, valuation attractiveness, market breadth, market stability, and recession cushion.
The score describes the current climate; it does not predict the next market move. Select US market or SG market to see the relevant benchmark, economic data, source status, and publication dates for that region.
Read the latest readings and data-status panel alongside the score. Older or unavailable observations are marked so monthly readings are not mistaken for real-time quotes.
Read the scoring methodology and limitations · Expert highlights appear inside the Macro and Micro research sections.