Finance, with all that word entails, is constantly evolving and shifting in response to a myriad of factors. One of the most significant indicators of this dynamism is the performance of the S&P 500, a stock market index that measures the stock performance of 500 large companies listed on stock exchanges in the United States. Over the past 5, 10, and 15 years, the S&P 500 has averaged an impressive return of 15%, 13%, and 14% per year, respectively. However, the future may not be as rosy as the past, with the largest and most sophisticated institutions forecasting a…