The first edition of A Clear Direction's email newsletter for 2010 has been sent to subscribers.

Investment markets have already provided their fair share of volatility making for a nervous start to the year.

In this edition we look at what history suggests are reasonable expectations for the years ahead.

Also in this edition we:

• look at S & P's Persistence Scorecard,
• update major investment market performance,
• outline recent additions to the online blog,
• provide a link to Scott Francis' latest Eureka Report articles,
• revisit the archives to look at financial planning's big six - investing regularly over time, repaying non tax deductible debt, borrowing to invest, salary sacrificing to super, transition to retirement strategy & income planning in retirement,
• provide evidence of the three factor model in action.