Valuation Lens - August 10, 2026

China and emerging markets screen cheapest, while developed Pacific and energy look expensive and U.S. equities remain valuation-stretched.

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VALUATION INTELLIGENCE
Cross-asset valuation & forward return intelligence

Valuation Lens - August 10, 2026

China and emerging-market equities lead on value; developed Pacific and energy are most expensive, while fixed income sits near fair value.

As of August 10, 2026 11 Asset Classes Valued 11 Valuation Instruments 1Y Treasury 4.01%
Research cutoff · Aug 10, 2026 · 21:37 UTC
WHAT THIS REPORT DOES How Valuation Lens estimates present fair value and identifies markets that look cheap, fair, or expensive.
VALUATION FRAMEWORK

Valuation Lens helps investors judge whether current market pricing looks cheap, fair, or expensive relative to modeled present fair value.

Each asset class is evaluated by comparing today’s market price with a distribution of defensible current economic values. That fair-value distribution is built from asset-specific fundamentals, expected growth and cash-flow progression, valuation relationships and multiples, interest-rate and real-yield conditions, historical valuation context, and other relevant economic anchors. The result is not a pure price target: it is a structured estimate of what the asset could reasonably be worth today under a range of economically defensible assumptions.

Undervalued vs overvalued

Where market price sits within the modeled fair-value distribution determines the valuation score: toward the lower tail means cheaper, toward the upper tail means more expensive, and near the center is closer to fair.

Decision-useful outputs

The report highlights fair-value gap, modeled expected return, expected edge versus the 1Y Treasury benchmark, and confidence in the valuation signal.

How to use it

Use the valuation score and fair-value curve as a disciplined decision aid alongside risk, diversification, and time-horizon considerations.

1Y Treasury benchmark 4.01% Low-risk return reference
Cheapest valuation China & HK +1.7 · Cheap
Most expensive valuation Developed Pacific -2.0 · Expensive
Highest expected edge vs Treasury +8.0% China & HK
Cross-asset valuation & expected return

Valuation opportunity map

Green = cheaper relative to modeled fair value. Red = more expensive. Tiles are ordered from cheaper to more expensive.

CHEAPER +3-3 MORE EXPENSIVE
Select an asset to open its fair value, expected returns, historical calibration, key drivers, and risks.

Detailed valuation dashboard

M = Market price (100) · F = Median fair value · common axis 50–180
How to read the fair-value curve

Given today’s fundamentals, growth expectations, valuation relationships, interest rates, and other asset-specific economics, the chart shows the range of defensible current economic values.

M Market price normalized to 100 F Median modeled fair value P25–P75 central fair-value range P10–P90 wider fair-value range Curve width = fair-value uncertainty, not future-price volatility
Asset class Fair-value distribution Valuation Fair-value gap 1Y expected Expected edge vs 1Y Treasury Val. confidence
China & Hong Kong Equities
MCHI · Fair 119
View details
507090100110130150170180 M F
+1.7 Cheap +19.0% Fair 119 +12.0% -20% to +45% +8.0% Treasury 4.0% 77% moderate-high
Emerging Markets Equities
VWO · Fair 109
View details
507090100110130150170180 M F
+1.1 Somewhat cheap +9.0% Fair 109 +9.5% -19% to +39% +5.5% Treasury 4.0% 76% moderate-high
Japan Equities
EWJ · Fair 103
View details
507090100110130150170180 M F
+0.5 Somewhat cheap +3.0% Fair 103 +7.5% -14% to +29% +3.5% Treasury 4.0% 81% high
Metals
GLD · Fair 103
View details
507090100110130150170180 M F
+0.4 Somewhat cheap +3.0% Fair 103 +5.0% -20% to +29% +1.0% Treasury 4.0% 70% moderate-high
Real Estate
VNQ · Fair 102
View details
507090100110130150170180 M F
+0.2 Fair +2.0% Fair 102 +7.0% -16% to +31% +3.0% Treasury 4.0% 69% moderate-high
Fixed Income
BND · Fair 100
View details
507090100110130150170180 M F
-0.1 Fair 0.0% Fair 100 +4.7% -3% to +11% +0.7% Treasury 4.0% 90% high
Crypto
ETH-USD · Fair 100
View details
507090100110130150170180 M F
-0.1 Fair 0.0% Fair 100 +7.0% -58% to +88% +3.0% Treasury 4.0% 50% moderate
Europe Equities
VGK · Fair 99
View details
507090100110130150170180 M F
-0.2 Fair -1.0% Fair 99 +7.0% -15% to +31% +3.0% Treasury 4.0% 79% moderate-high
US Equities
SPY · Fair 90
View details
507090100110130150170180 M F
-1.2 Somewhat expensive -10.0% Fair 90 +5.5% -16% to +25% +1.5% Treasury 4.0% 89% high
Energy
USO · Fair 85
View details
507090100110130150170180 M F
-1.5 Expensive -15.0% Fair 85 -3.0% -31% to +31% -7.0% Treasury 4.0% 73% moderate-high
Developed Pacific Equities
EWA · Fair 83
View details
507090100110130150170180 M F
-2.0 Expensive -17.0% Fair 83 +4.5% -15% to +22% +0.5% Treasury 4.0% 72% moderate-high
Per-asset-class details · select a row to expand
1 China & Hong Kong Equities MCHI · Median fair value 119 Valuation +1.7 Cheap Fair-value gap +19.0% vs market 100 Expected edge +8.0% vs 1Y Treasury Confidence 77% moderate-high
VALUATION LENS China & Hong Kong Equities is cheap
507090100110130150170180 M F
M Market 100 F Fair 119 P25–P75 103–139 P10–P90 89–159
MCHI China Broad Market
Last 56.93 · 2026-08-10
equity_fair_value_distribution_v3.0
RECENT PRICE CONTEXT · MCHI Recent Price Path vs Today’s Fair-Value Range

Latest 10 trading sessions of raw daily prices. Trading sessions are shown consecutively, so non-trading days are skipped.

Close price Daily close point Daily high-low range Current P25–P75 fair range Current P10–P90 fair range Today’s median fair value
$53.39 $57.12 $60.84 $64.57 $68.30 Today’s Fair Value · $67.75 Jul 28 Jul 29 Jul 30 Jul 31 Aug 3 Aug 4 Aug 5 Aug 6 Aug 7 Aug 10 Now $56.93
$48.67 $59.58 $70.48 $81.39 $92.29 Today’s Fair Value · $67.75 Jul 28 Jul 29 Jul 30 Jul 31 Aug 3 Aug 4 Aug 5 Aug 6 Aug 7 Aug 10 Now $56.93
Vertical scale = actual benchmark price. Fair-value bands are today’s modeled values held constant across the historical dates; they are not historical fair-value estimates.
Fair-value distribution
P0579.4
P1089.0
P25103.4
Median119.0
Mean122.0
P75138.5
P90158.6
P95171.7
Market = 100. Fair-value index is normalized to today's market price and is not a price target.
Forward return range
1 year+12.0%
P10 -20.0% · P25 -6.0% · P75 +28.0% · P90 +45.0%
3Y annualized+10.0%
P10 -8.0% · P25 +1.0% · P75 +19.0% · P90 +29.0%
Expected-return scenarios are separate from today's fair-value estimate.
Historical return context
Long-run Treasury-beat base rate56%
Raw observations173
Effective sample19.9
History2011-03-31 → 2025-07-31
This is the benchmark's unconditional historical base rate, not a probability for today's valuation setup.
Key valuation metrics
MCHI P/E
13.9 x
Current broad-China portfolio
MCHI P/B
1.70 x
Current broad-China portfolio
2026 EPS growth
13.0 %
J.P. Morgan estimate
2027 EPS growth
14.0 %
J.P. Morgan estimate
Fair-value drivers
Fair-value risks
Representative fair-value scenarios
Lower-value scenario103
Lower current-value outcome across the modeled economic anchors.
Model weight 25%
Central fair value119
Central current-value outcome after weighting the asset-specific valuation anchors.
Model weight 50%
Upper-value scenario139
Higher current-value outcome under more favorable fundamentals and justified valuation assumptions.
Model weight 25%
Valuation instruments
Only symbols with actual symbol-level valuation outputs are shown. Reference-only context symbols are omitted.
SymbolExposureLastFair valueValuation1Y expected
MCHIChina Broad Market direct 56.93 119 +1.7 · Cheap +12.0%
Method & data quality

Weighted current-value ensemble combining broad-China earnings/book multiples, forward earnings growth and elevated regional risk-premium scenarios; recent price path excluded.

Limitations: Forward-growth estimates are institutional forecasts rather than guaranteed realized fundamentals.; Only the auditable historical Treasury-beat base rate is usable; no publication-grade conditional probability is available.

Sources: BlackRock / iShares · J.P. Morgan Private Bank

2 Emerging Markets Equities VWO · Median fair value 109 Valuation +1.1 Somewhat cheap Fair-value gap +9.0% vs market 100 Expected edge +5.5% vs 1Y Treasury Confidence 76% moderate-high
VALUATION LENS Emerging Markets Equities is somewhat cheap
507090100110130150170180 M F
M Market 100 F Fair 109 P25–P75 97–124 P10–P90 83–139
VWO Emerging Markets Broad Index
Last 60.33 · 2026-08-10
equity_fair_value_distribution_v3.0
RECENT PRICE CONTEXT · VWO Recent Price Path vs Today’s Fair-Value Range

Latest 10 trading sessions of raw daily prices. Trading sessions are shown consecutively, so non-trading days are skipped.

Close price Daily close point Daily high-low range Current P25–P75 fair range Current P10–P90 fair range Today’s median fair value
$56.43 $58.85 $61.27 $63.70 $66.12 Today’s Fair Value · $65.76 Jul 28 Jul 29 Jul 30 Jul 31 Aug 3 Aug 4 Aug 5 Aug 6 Aug 7 Aug 10 Now $60.33
$48.37 $57.66 $66.95 $76.24 $85.52 Today’s Fair Value · $65.76 Jul 28 Jul 29 Jul 30 Jul 31 Aug 3 Aug 4 Aug 5 Aug 6 Aug 7 Aug 10 Now $60.33
Vertical scale = actual benchmark price. Fair-value bands are today’s modeled values held constant across the historical dates; they are not historical fair-value estimates.
Fair-value distribution
P0575.0
P1083.0
P2597.3
Median109.0
Mean110.5
P75123.6
P90139.0
P95148.6
Market = 100. Fair-value index is normalized to today's market price and is not a price target.
Forward return range
1 year+9.5%
P10 -19.0% · P25 -5.0% · P75 +24.0% · P90 +39.0%
3Y annualized+8.5%
P10 -8.0% · P25 0.0% · P75 +16.0% · P90 +24.0%
Expected-return scenarios are separate from today's fair-value estimate.
Historical return context
Long-run Treasury-beat base rate64%
Raw observations245
Effective sample30.7
History2005-03-31 → 2025-07-31
This is the benchmark's unconditional historical base rate, not a probability for today's valuation setup.
Key valuation metrics
VWO P/E
17.1 x
FTSE Emerging Markets benchmark ~17.2x
VWO P/B
2.50 x
Current portfolio
Earnings growth rate
15.4 %
Vanguard portfolio characteristic
ROE
17.0 %
Vanguard portfolio characteristic
Fair-value drivers
  • Earnings growth and profitability are strong relative to the starting earnings multiple.
  • Broad country diversification reduces dependence on a single national valuation regime.
Fair-value risks
  • Country, currency, governance and commodity exposures vary widely inside the asset class.
  • U.S. real yields remain high, raising the opportunity cost for global risk assets.
Representative fair-value scenarios
Lower-value scenario97
Lower current-value outcome across the modeled economic anchors.
Model weight 25%
Central fair value109
Central current-value outcome after weighting the asset-specific valuation anchors.
Model weight 50%
Upper-value scenario124
Higher current-value outcome under more favorable fundamentals and justified valuation assumptions.
Model weight 25%
Valuation instruments
Only symbols with actual symbol-level valuation outputs are shown. Reference-only context symbols are omitted.
SymbolExposureLastFair valueValuation1Y expected
VWOEmerging Markets Broad Index direct 60.33 109 +1.1 · Somewhat cheap +9.5%
Method & data quality

Weighted broad-EM ensemble combining current P/E, P/B, profitability, earnings growth and global discount-rate/risk-premium scenarios; recent price path excluded.

Limitations: VWO excludes some developed classifications and cannot perfectly represent every supplied emerging-market subsegment.; Only the auditable historical Treasury-beat base rate is usable; no publication-grade conditional probability is available.

Sources: Vanguard

3 Japan Equities EWJ · Median fair value 103 Valuation +0.5 Somewhat cheap Fair-value gap +3.0% vs market 100 Expected edge +3.5% vs 1Y Treasury Confidence 81% high
VALUATION LENS Japan Equities is somewhat cheap
507090100110130150170180 M F
M Market 100 F Fair 103 P25–P75 93–114 P10–P90 84–125
EWJ Japan Broad Market
Last 96.05 · 2026-08-10
equity_fair_value_distribution_v3.0
RECENT PRICE CONTEXT · EWJ Recent Price Path vs Today’s Fair-Value Range

Latest 10 trading sessions of raw daily prices. Trading sessions are shown consecutively, so non-trading days are skipped.

Close price Daily close point Daily high-low range Current P25–P75 fair range Current P10–P90 fair range Today’s median fair value
$88.70 $91.35 $94.01 $96.67 $99.33 Today’s Fair Value · $98.93 Jul 28 Jul 29 Jul 30 Jul 31 Aug 3 Aug 4 Aug 5 Aug 6 Aug 7 Aug 10 Now $96.05
$78.35 $89.33 $100.31 $111.29 $122.27 Today’s Fair Value · $98.93 Jul 28 Jul 29 Jul 30 Jul 31 Aug 3 Aug 4 Aug 5 Aug 6 Aug 7 Aug 10 Now $96.05
Vertical scale = actual benchmark price. Fair-value bands are today’s modeled values held constant across the historical dates; they are not historical fair-value estimates.
Fair-value distribution
P0576.8
P1083.7
P2593.2
Median103.0
Mean103.8
P75113.7
P90125.2
P95133.0
Market = 100. Fair-value index is normalized to today's market price and is not a price target.
Forward return range
1 year+7.5%
P10 -14.0% · P25 -2.0% · P75 +18.0% · P90 +29.0%
3Y annualized+7.0%
P10 -6.0% · P25 +1.0% · P75 +13.0% · P90 +19.0%
Expected-return scenarios are separate from today's fair-value estimate.
Historical return context
Long-run Treasury-beat base rate57%
Raw observations352
Effective sample37.7
History1996-04-30 → 2025-07-31
This is the benchmark's unconditional historical base rate, not a probability for today's valuation setup.
Key valuation metrics
EWJ P/E
19.1 x
Current Japan portfolio
EWJ P/B
2.03 x
Current Japan portfolio
2026 EPS growth
8.50 %
Goldman Sachs 8–9% range midpoint
EWJ trailing yield
3.75 %
12-month trailing distribution yield
Fair-value drivers
Fair-value risks
Representative fair-value scenarios
Lower-value scenario93
Lower current-value outcome across the modeled economic anchors.
Model weight 25%
Central fair value103
Central current-value outcome after weighting the asset-specific valuation anchors.
Model weight 50%
Upper-value scenario114
Higher current-value outcome under more favorable fundamentals and justified valuation assumptions.
Model weight 25%
Valuation instruments
Only symbols with actual symbol-level valuation outputs are shown. Reference-only context symbols are omitted.
SymbolExposureLastFair valueValuation1Y expected
EWJJapan Broad Market direct 96.05 103 +0.5 · Somewhat cheap +7.5%
Method & data quality

Weighted current-value ensemble combining broad-Japan earnings/book multiples, forward earnings growth, distributions and discount-rate scenarios; recent price path excluded.

Limitations: Currency-sensitive ETF valuation is only a proxy for underlying local-equity economics.; Only the auditable historical Treasury-beat base rate is usable; no publication-grade conditional probability is available.

Sources: BlackRock / iShares · Goldman Sachs Asset Management

4 Metals GLD · Median fair value 103 Valuation +0.4 Somewhat cheap Fair-value gap +3.0% vs market 100 Expected edge +1.0% vs 1Y Treasury Confidence 70% moderate-high
VALUATION LENS Metals is somewhat cheap
507090100110130150170180 M F
M Market 100 F Fair 103 P25–P75 89–119 P10–P90 78–136
GLD Gold
Last 402.54 · 2026-08-10
metal_fair_value_distribution_v3.0
RECENT PRICE CONTEXT · GLD Recent Price Path vs Today’s Fair-Value Range

Latest 10 trading sessions of raw daily prices. Trading sessions are shown consecutively, so non-trading days are skipped.

Close price Daily close point Daily high-low range Current P25–P75 fair range Current P10–P90 fair range Today’s median fair value
$364.61 $377.59 $390.57 $403.56 $416.54 Today’s Fair Value · $414.62 Jul 28 Jul 29 Jul 30 Jul 31 Aug 3 Aug 4 Aug 5 Aug 6 Aug 7 Aug 10 Now $402.54
$301.41 $365.67 $429.93 $494.19 $558.45 Today’s Fair Value · $414.62 Jul 28 Jul 29 Jul 30 Jul 31 Aug 3 Aug 4 Aug 5 Aug 6 Aug 7 Aug 10 Now $402.54
Vertical scale = actual benchmark price. Fair-value bands are today’s modeled values held constant across the historical dates; they are not historical fair-value estimates.
Fair-value distribution
P0568.4
P1077.8
P2589.3
Median103.0
Mean104.9
P75118.6
P90135.8
P95146.4
Market = 100. Fair-value index is normalized to today's market price and is not a price target.
Forward return range
1 year+5.0%
P10 -20.0% · P25 -8.0% · P75 +17.0% · P90 +29.0%
3Y annualized+5.0%
P10 -9.0% · P25 -2.0% · P75 +12.0% · P90 +19.0%
Expected-return scenarios are separate from today's fair-value estimate.
Historical return context
Long-run Treasury-beat base rate66%
Raw observations249
Effective sample28.0
History2004-11-30 → 2025-07-31
This is the benchmark's unconditional historical base rate, not a probability for today's valuation setup.
Key valuation metrics
10Y real Treasury yield
2.40 %
10Y percentile 98.9996
H1 gold demand
2522.0 tonnes
World Gold Council; +2% YoY
Q2 central-bank demand
289.0 tonnes
World Gold Council
Q2 gold ETF flow
-45.0 tonnes
World Gold Council
Fair-value drivers
  • Central-bank and aggregate investment demand support gold's economic scarcity premium.
  • A weaker U.S. dollar regime can improve non-dollar demand and metal pricing.
Fair-value risks
  • High real yields raise the opportunity cost of holding non-yielding metals.
  • Industrial metals and miners have distinct supply-demand and operating leverage that GLD cannot represent directly.
Representative fair-value scenarios
Lower-value scenario89
Lower current-value outcome across the modeled economic anchors.
Model weight 25%
Central fair value103
Central current-value outcome after weighting the asset-specific valuation anchors.
Model weight 50%
Upper-value scenario119
Higher current-value outcome under more favorable fundamentals and justified valuation assumptions.
Model weight 25%
Valuation instruments
Only symbols with actual symbol-level valuation outputs are shown. Reference-only context symbols are omitted.
SymbolExposureLastFair valueValuation1Y expected
GLDGold direct 402.54 103 +0.4 · Somewhat cheap +5.0%
Method & data quality

Gold-led multi-anchor current-value ensemble using real yields, official/investment demand and broader metals uncertainty; GLD is the representative benchmark.

Limitations: GLD is the representative benchmark, while the supplied asset class also includes silver, platinum, copper and mining equities; cross-metal dispersion is substantial.; Only the auditable historical Treasury-beat base rate is usable; no publication-grade conditional probability is available.

Sources: World Gold Council

5 Real Estate VNQ · Median fair value 102 Valuation +0.2 Fair Fair-value gap +2.0% vs market 100 Expected edge +3.0% vs 1Y Treasury Confidence 69% moderate-high
VALUATION LENS Real Estate is fair
507090100110130150170180 M F
M Market 100 F Fair 102 P25–P75 91–115 P10–P90 83–128
VNQ US Real Estate
Last 97.11 · 2026-08-10
reit_fair_value_distribution_v3.0
RECENT PRICE CONTEXT · VNQ Recent Price Path vs Today’s Fair-Value Range

Latest 10 trading sessions of raw daily prices. Trading sessions are shown consecutively, so non-trading days are skipped.

Close price Daily close point Daily high-low range Current P25–P75 fair range Current P10–P90 fair range Today’s median fair value
$96.43 $97.85 $99.27 $100.69 $102.11 Today’s Fair Value · $99.05 Jul 28 Jul 29 Jul 30 Jul 31 Aug 3 Aug 4 Aug 5 Aug 6 Aug 7 Aug 10 Now $97.11
$77.99 $90.14 $102.30 $114.45 $126.60 Today’s Fair Value · $99.05 Jul 28 Jul 29 Jul 30 Jul 31 Aug 3 Aug 4 Aug 5 Aug 6 Aug 7 Aug 10 Now $97.11
Vertical scale = actual benchmark price. Fair-value bands are today’s modeled values held constant across the historical dates; they are not historical fair-value estimates.
Fair-value distribution
P0574.2
P1082.6
P2591.3
Median102.0
Mean103.6
P75114.7
P90128.1
P95136.8
Market = 100. Fair-value index is normalized to today's market price and is not a price target.
Forward return range
1 year+7.0%
P10 -16.0% · P25 -4.0% · P75 +19.0% · P90 +31.0%
3Y annualized+7.0%
P10 -7.0% · P25 0.0% · P75 +14.0% · P90 +21.0%
Expected-return scenarios are separate from today's fair-value estimate.
Historical return context
Long-run Treasury-beat base rate68%
Raw observations251
Effective sample26.0
History2004-09-30 → 2025-07-31
This is the benchmark's unconditional historical base rate, not a probability for today's valuation setup.
Key valuation metrics
Aggregate FFO growth
14.8 % YoY
Nareit industry tracker
Aggregate NOI growth
5.60 % YoY
Nareit industry tracker
Equity REIT occupancy
93.2 %
Nareit industry tracker
10Y Treasury yield
4.65 %
Long-duration discount-rate anchor
Fair-value drivers
  • FFO and NOI growth remain supportive at the industry level.
  • High occupancy and long debt maturity profiles support cash-flow resilience.
Fair-value risks
  • High Treasury yields raise discount rates and financing costs.
  • Sector-level NAV premiums/discounts can diverge materially across property types.
Representative fair-value scenarios
Lower-value scenario91
Lower current-value outcome across the modeled economic anchors.
Model weight 25%
Central fair value102
Central current-value outcome after weighting the asset-specific valuation anchors.
Model weight 50%
Upper-value scenario115
Higher current-value outcome under more favorable fundamentals and justified valuation assumptions.
Model weight 25%
Valuation instruments
Only symbols with actual symbol-level valuation outputs are shown. Reference-only context symbols are omitted.
SymbolExposureLastFair valueValuation1Y expected
VNQUS Real Estate direct 97.11 102 +0.2 · Fair +7.0%
Method & data quality

REIT current-value ensemble using industry FFO/NOI/occupancy fundamentals and Treasury discount-rate scenarios, with wider dispersion because broad NAV/AFFO valuation is incomplete.

Limitations: A verified broad-market current NAV discount and AFFO multiple were not available from the structured input; the fair-value distribution is therefore wider.; Only the auditable historical Treasury-beat base rate is usable; no publication-grade conditional probability is available.

Sources: Nareit

6 Fixed Income BND · Median fair value 100 Valuation -0.1 Fair Fair-value gap 0.0% vs market 100 Expected edge +0.7% vs 1Y Treasury Confidence 90% high
VALUATION LENS Fixed Income is fair
507090100110130150170180 M F
M Market 100 F Fair 100 P25–P75 97–103 P10–P90 94–107
BND US Broad Bond Market
Last 72.15 · 2026-08-10
fixed_income_fair_value_distribution_v3.0
RECENT PRICE CONTEXT · BND Recent Price Path vs Today’s Fair-Value Range

Latest 10 trading sessions of raw daily prices. Trading sessions are shown consecutively, so non-trading days are skipped. Partial recent history.

Close price Daily close point Daily high-low range Current P25–P75 fair range Current P10–P90 fair range Today’s median fair value
$71.82 $72.10 $72.38 $72.67 $72.95 Today’s Fair Value · $72.15 Jul 27 Jul 28 Jul 29 Jul 30 Jul 31 Aug 3 Aug 4 Aug 5 Aug 6 Aug 7 Now $72.40
$67.51 $70.00 $72.49 $74.98 $77.47 Today’s Fair Value · $72.15 Jul 27 Jul 28 Jul 29 Jul 30 Jul 31 Aug 3 Aug 4 Aug 5 Aug 6 Aug 7 Now $72.40
Vertical scale = actual benchmark price. Fair-value bands are today’s modeled values held constant across the historical dates; they are not historical fair-value estimates.
Fair-value distribution
P0591.7
P1094.2
P2597.1
Median100.0
Mean100.2
P75102.9
P90106.7
P95109.3
Market = 100. Fair-value index is normalized to today's market price and is not a price target.
Forward return range
1 year+4.7%
P10 -3.0% · P25 +1.0% · P75 +8.0% · P90 +11.0%
3Y annualized+4.8%
P10 +1.0% · P25 +3.0% · P75 +6.5% · P90 +8.0%
Expected-return scenarios are separate from today's fair-value estimate.
Historical return context
Long-run Treasury-beat base rate65%
Raw observations220
Effective sample20.8
History2007-04-30 → 2025-07-31
This is the benchmark's unconditional historical base rate, not a probability for today's valuation setup.
Key valuation metrics
BND 30-day SEC yield
4.65 %
Current fund yield
Average duration
5.80 years
Broad U.S. bond-market duration
1Y Treasury yield
4.01 %
DGS1 investment basis
IG OAS
0.78 %
Short-history series; 5Y percentile 15.39
Fair-value drivers
  • Starting yield provides a substantial carry anchor close to or above the one-year Treasury hurdle.
  • Moderate duration creates upside if justified yields fall.
Fair-value risks
  • Tight investment-grade spreads leave limited cushion for credit repricing.
  • Duration can generate mark-to-market losses if rates rise further.
Representative fair-value scenarios
Lower-value scenario97
Lower current-value outcome across the modeled economic anchors.
Model weight 25%
Central fair value100
Central current-value outcome after weighting the asset-specific valuation anchors.
Model weight 50%
Upper-value scenario103
Higher current-value outcome under more favorable fundamentals and justified valuation assumptions.
Model weight 25%
Valuation instruments
Only symbols with actual symbol-level valuation outputs are shown. Reference-only context symbols are omitted.
SymbolExposureLastFair valueValuation1Y expected
BNDUS Broad Bond Market direct 72.15 100 -0.1 · Fair +4.7%
Method & data quality

Yield/spread/duration current-value ensemble anchored to BND starting yield, Treasury curve, duration and credit-spread scenarios; carry kept separate from current fair value.

Limitations: The supplied IG/HY OAS series has only short history in this data layer, so spread-regime comparisons are less robust.; Latest recent-price date 2026-08-07 does not match benchmark snapshot date 2026-08-10.; Only 19 valid recent sessions were available; up to 20 are retained.; Only the auditable historical Treasury-beat base rate is usable; no publication-grade conditional probability is available.

Sources: Vanguard

7 Crypto ETH-USD · Median fair value 100 Valuation -0.1 Fair Fair-value gap 0.0% vs market 100 Expected edge +3.0% vs 1Y Treasury Confidence 50% moderate
VALUATION LENS Crypto is fair
507090100110130150170180 M F
M Market 100 F Fair 100 P25–P75 71–144 P10–P90 50–187
ETH-USD Ethereum
Last 1,877.8 · 2026-08-10
crypto_fair_value_distribution_v3.0
RECENT PRICE CONTEXT · ETH-USD Recent Price Path vs Today’s Fair-Value Range

Latest 10 trading sessions of raw daily prices. Trading sessions are shown consecutively, so non-trading days are skipped.

Close price Daily close point Daily high-low range Current P25–P75 fair range Current P10–P90 fair range Today’s median fair value
$1,815.67 $1,847.5 $1,879.33 $1,911.15 $1,942.98 Today’s Fair Value · $1,877.8 Aug 1 Aug 2 Aug 3 Aug 4 Aug 5 Aug 6 Aug 7 Aug 8 Aug 9 Aug 10 Now $1,877.8
$817.50 $1,523.41 $2,229.32 $2,935.24 $3,641.15 Today’s Fair Value · $1,877.8 Aug 1 Aug 2 Aug 3 Aug 4 Aug 5 Aug 6 Aug 7 Aug 8 Aug 9 Aug 10 Now $1,877.8
Vertical scale = actual benchmark price. Fair-value bands are today’s modeled values held constant across the historical dates; they are not historical fair-value estimates.
Fair-value distribution
P0538.9
P1050.4
P2570.7
Median100.0
Mean112.5
P75143.9
P90187.1
P95221.2
Market = 100. Fair-value index is normalized to today's market price and is not a price target.
Forward return range
1 year+7.0%
P10 -58.0% · P25 -31.0% · P75 +42.0% · P90 +88.0%
3Y annualized+8.0%
P10 -29.0% · P25 -12.0% · P75 +29.0% · P90 +53.0%
Expected-return scenarios are separate from today's fair-value estimate.
Key valuation metrics
ETH staked
33.0 % of supply
ethereum.org current network display
ETH staking APR
2.60 %
ethereum.org current network display
ETH.STORE staking rate
2.61 %
Aug. 1 reference rate
1Y Treasury yield
4.01 %
DGS1 investment-basis hurdle
Fair-value drivers
Fair-value risks
  • No universally accepted intrinsic-value model exists for Ethereum or the broader crypto asset class.
  • Native staking yield is below the current one-year Treasury hurdle and network-use assumptions can change rapidly.
Representative fair-value scenarios
Lower-value scenario71
Lower current-value outcome across the modeled economic anchors.
Model weight 25%
Central fair value100
Central current-value outcome after weighting the asset-specific valuation anchors.
Model weight 50%
Upper-value scenario144
Higher current-value outcome under more favorable fundamentals and justified valuation assumptions.
Model weight 25%
Valuation instruments
Only symbols with actual symbol-level valuation outputs are shown. Reference-only context symbols are omitted.
SymbolExposureLastFair valueValuation1Y expected
ETH-USDEthereum direct 1,877.8 100 -0.1 · Fair +7.0%
Method & data quality

Very-wide Ethereum current-value ensemble using staking economics, issuance/burn mechanism and risk-free opportunity cost; no assumption of universally accepted intrinsic value.

Limitations: No reliable current MVRV/realized-value series was supplied or verified for this run; the fair-value range is intentionally very wide.; The upstream historical calibration benchmark is BTC-USD as a proxy, while ETH-USD is the exact supplied representative price benchmark.; Insufficient completed historical 12-month outcomes for an auditable Treasury-beat base rate.

Sources: ethereum.org · beaconcha.in

8 Europe Equities VGK · Median fair value 99 Valuation -0.2 Fair Fair-value gap -1.0% vs market 100 Expected edge +3.0% vs 1Y Treasury Confidence 79% moderate-high
VALUATION LENS Europe Equities is fair
507090100110130150170180 M F
M Market 100 F Fair 99 P25–P75 91–108 P10–P90 84–117
VGK Europe Broad Market
Last 92.26 · 2026-08-10
equity_fair_value_distribution_v3.0
RECENT PRICE CONTEXT · VGK Recent Price Path vs Today’s Fair-Value Range

Latest 10 trading sessions of raw daily prices. Trading sessions are shown consecutively, so non-trading days are skipped.

Close price Daily close point Daily high-low range Current P25–P75 fair range Current P10–P90 fair range Today’s median fair value
$88.12 $89.37 $90.63 $91.88 $93.13 Today’s Fair Value · $91.34 Jul 28 Jul 29 Jul 30 Jul 31 Aug 3 Aug 4 Aug 5 Aug 6 Aug 7 Aug 10 Now $92.26
$75.50 $84.08 $92.66 $101.24 $109.83 Today’s Fair Value · $91.34 Jul 28 Jul 29 Jul 30 Jul 31 Aug 3 Aug 4 Aug 5 Aug 6 Aug 7 Aug 10 Now $92.26
Vertical scale = actual benchmark price. Fair-value bands are today’s modeled values held constant across the historical dates; they are not historical fair-value estimates.
Fair-value distribution
P0576.0
P1083.5
P2591.2
Median99.0
Mean99.6
P75107.8
P90117.3
P95124.2
Market = 100. Fair-value index is normalized to today's market price and is not a price target.
Forward return range
1 year+7.0%
P10 -15.0% · P25 -3.0% · P75 +19.0% · P90 +31.0%
3Y annualized+7.0%
P10 -6.0% · P25 0.0% · P75 +14.0% · P90 +20.0%
Expected-return scenarios are separate from today's fair-value estimate.
Historical return context
Long-run Treasury-beat base rate62%
Raw observations245
Effective sample27.2
History2005-03-31 → 2025-07-31
This is the benchmark's unconditional historical base rate, not a probability for today's valuation setup.
Key valuation metrics
VGK P/E
18.0 x
Current Europe portfolio
VGK P/B
2.40 x
Current Europe portfolio
Earnings growth rate
9.98 %
Vanguard portfolio characteristic
1Y Treasury hurdle
4.01 %
U.S. investment-basis comparator
Fair-value drivers
  • Moderate earnings multiples and positive earnings growth support near-fair current value.
  • Regional diversification provides multiple sector and country valuation anchors.
Fair-value risks
  • The valuation discount is not large enough to eliminate cyclical and geopolitical risk.
  • A 4.01% one-year Treasury hurdle raises the required compensation for equity risk.
Representative fair-value scenarios
Lower-value scenario91
Lower current-value outcome across the modeled economic anchors.
Model weight 25%
Central fair value99
Central current-value outcome after weighting the asset-specific valuation anchors.
Model weight 50%
Upper-value scenario108
Higher current-value outcome under more favorable fundamentals and justified valuation assumptions.
Model weight 25%
Valuation instruments
Only symbols with actual symbol-level valuation outputs are shown. Reference-only context symbols are omitted.
SymbolExposureLastFair valueValuation1Y expected
VGKEurope Broad Market direct 92.26 99 -0.2 · Fair +7.0%
Method & data quality

Weighted Europe ensemble combining current earnings/book multiples, earnings growth and current risk-free opportunity cost; recent price path excluded.

Limitations: Portfolio-level valuation characteristics can mask large country and sector dispersion.; Only the auditable historical Treasury-beat base rate is usable; no publication-grade conditional probability is available.

Sources: Vanguard

9 US Equities SPY · Median fair value 90 Valuation -1.2 Somewhat expensive Fair-value gap -10.0% vs market 100 Expected edge +1.5% vs 1Y Treasury Confidence 89% high
VALUATION LENS US Equities is somewhat expensive
507090100110130150170180 M F
M Market 100 F Fair 90 P25–P75 79–102 P10–P90 72–113
SPY US Large-Cap Index
Last 773.03 · 2026-08-10
equity_fair_value_distribution_v3.0
RECENT PRICE CONTEXT · SPY Recent Price Path vs Today’s Fair-Value Range

Latest 10 trading sessions of raw daily prices. Trading sessions are shown consecutively, so non-trading days are skipped.

Close price Daily close point Daily high-low range Current P25–P75 fair range Current P10–P90 fair range Today’s median fair value
$692.48 $714.39 $736.29 $758.19 $780.09 Today’s Fair Value · $695.73 Jul 28 Jul 29 Jul 30 Jul 31 Aug 3 Aug 4 Aug 5 Aug 6 Aug 7 Aug 10 Now $773.03
$536.75 $625.40 $714.05 $802.70 $891.34 Today’s Fair Value · $695.73 Jul 28 Jul 29 Jul 30 Jul 31 Aug 3 Aug 4 Aug 5 Aug 6 Aug 7 Aug 10 Now $773.03
Vertical scale = actual benchmark price. Fair-value bands are today’s modeled values held constant across the historical dates; they are not historical fair-value estimates.
Fair-value distribution
P0566.3
P1071.5
P2579.3
Median90.0
Mean91.4
P75101.7
P90113.2
P95121.0
Market = 100. Fair-value index is normalized to today's market price and is not a price target.
Forward return range
1 year+5.5%
P10 -16.0% · P25 -5.0% · P75 +15.0% · P90 +25.0%
3Y annualized+6.0%
P10 -6.0% · P25 +1.0% · P75 +11.0% · P90 +16.0%
Expected-return scenarios are separate from today's fair-value estimate.
Historical return context
Long-run Treasury-beat base rate80%
Raw observations391
Effective sample31.0
History1993-01-31 → 2025-07-31
This is the benchmark's unconditional historical base rate, not a probability for today's valuation setup.
Key valuation metrics
Forward P/E
21.7 x
State Street FY1 P/E
3–5Y EPS growth
18.4 %
State Street estimate
Shiller CAPE
41.2 x
30Y median 27.59x
10Y real Treasury yield
2.40 %
98.9996th percentile over 10Y
Fair-value drivers
Fair-value risks
Representative fair-value scenarios
Lower-value scenario79
Lower current-value outcome across the modeled economic anchors.
Model weight 25%
Central fair value90
Central current-value outcome after weighting the asset-specific valuation anchors.
Model weight 50%
Upper-value scenario102
Higher current-value outcome under more favorable fundamentals and justified valuation assumptions.
Model weight 25%
Valuation instruments
Only symbols with actual symbol-level valuation outputs are shown. Reference-only context symbols are omitted.
SymbolExposureLastFair valueValuation1Y expected
SPYUS Large-Cap Index direct 773.03 90 -1.2 · Somewhat expensive +5.5%
Method & data quality

Weighted multi-anchor current-value ensemble combining forward S&P 500 fundamentals, CAPE history and current real-rate discounting; recent price path excluded.

Limitations: Shiller earnings are aging and the current/revised workbook is not a true point-in-time publication-vintage reconstruction.; Return calibration current regime is outside historical feature support; no conditional Treasury-beat probability is published.

Sources: State Street Global Advisors · Robert J. Shiller / Shiller Data

10 Energy USO · Median fair value 85 Valuation -1.5 Expensive Fair-value gap -15.0% vs market 100 Expected edge -7.0% vs 1Y Treasury Confidence 73% moderate-high
VALUATION LENS Energy is expensive
507090100110130150170180 M F
M Market 100 F Fair 85 P25–P75 72–98 P10–P90 63–115
USO US Crude Oil
Last 125.92 · 2026-08-10
energy_fair_value_distribution_v3.0
RECENT PRICE CONTEXT · USO Recent Price Path vs Today’s Fair-Value Range

Latest 10 trading sessions of raw daily prices. Trading sessions are shown consecutively, so non-trading days are skipped.

Close price Daily close point Daily high-low range Current P25–P75 fair range Current P10–P90 fair range Today’s median fair value
$106.07 $112.54 $119.01 $125.47 $131.94 Today’s Fair Value · $107.03 Jul 28 Jul 29 Jul 30 Jul 31 Aug 3 Aug 4 Aug 5 Aug 6 Aug 7 Aug 10 Now $125.92
$75.60 $93.67 $111.74 $129.81 $147.88 Today’s Fair Value · $107.03 Jul 28 Jul 29 Jul 30 Jul 31 Aug 3 Aug 4 Aug 5 Aug 6 Aug 7 Aug 10 Now $125.92
Vertical scale = actual benchmark price. Fair-value bands are today’s modeled values held constant across the historical dates; they are not historical fair-value estimates.
Fair-value distribution
P0555.0
P1062.6
P2572.3
Median85.0
Mean86.9
P7597.7
P90114.8
P95126.9
Market = 100. Fair-value index is normalized to today's market price and is not a price target.
Forward return range
1 year-3.0%
P10 -31.0% · P25 -18.0% · P75 +13.0% · P90 +31.0%
3Y annualized+1.0%
P10 -15.0% · P25 -7.0% · P75 +9.0% · P90 +18.0%
Expected-return scenarios are separate from today's fair-value estimate.
Historical return context
Long-run Treasury-beat base rate44%
Raw observations232
Effective sample44.8
History2006-04-30 → 2025-07-31
This is the benchmark's unconditional historical base rate, not a probability for today's valuation setup.
Key valuation metrics
WTI spot
79.8 $/bbl
EIA Aug. 7 close
Brent 3Q26 forecast
74.0 $/bbl
EIA July 7 STEO
Brent 4Q26 forecast
70.0 $/bbl
EIA July 7 STEO
Brent 2027 forecast
65.0 $/bbl
EIA July 7 STEO
Fair-value drivers
Fair-value risks
Representative fair-value scenarios
Lower-value scenario72
Lower current-value outcome across the modeled economic anchors.
Model weight 25%
Central fair value85
Central current-value outcome after weighting the asset-specific valuation anchors.
Model weight 50%
Upper-value scenario98
Higher current-value outcome under more favorable fundamentals and justified valuation assumptions.
Model weight 25%
Valuation instruments
Only symbols with actual symbol-level valuation outputs are shown. Reference-only context symbols are omitted.
SymbolExposureLastFair valueValuation1Y expected
USOUS Crude Oil direct 125.92 85 -1.5 · Expensive -3.0%
Method & data quality

Commodity current-value ensemble using current crude economics, EIA supply-demand price scenarios and futures-basis considerations; recent price direction excluded.

Limitations: Brent forecasts are economic oil-market anchors, not direct USO NAV targets; WTI/Brent basis and futures-curve effects widen the distribution.; Only the auditable historical Treasury-beat base rate is usable; no publication-grade conditional probability is available.

Sources: U.S. Energy Information Administration · USCF · U.S. Energy Information Administration

11 Developed Pacific Equities EWA · Median fair value 83 Valuation -2.0 Expensive Fair-value gap -17.0% vs market 100 Expected edge +0.5% vs 1Y Treasury Confidence 72% moderate-high
VALUATION LENS Developed Pacific Equities is expensive
507090100110130150170180 M F
M Market 100 F Fair 83 P25–P75 76–94 P10–P90 69–106
EWA Australia Broad Market
Last 30.05 · 2026-08-10
equity_fair_value_distribution_v3.0
RECENT PRICE CONTEXT · EWA Recent Price Path vs Today’s Fair-Value Range

Latest 10 trading sessions of raw daily prices. Trading sessions are shown consecutively, so non-trading days are skipped.

Close price Daily close point Daily high-low range Current P25–P75 fair range Current P10–P90 fair range Today’s median fair value
$24.69 $26.19 $27.70 $29.20 $30.70 Today’s Fair Value · $24.94 Jul 28 Jul 29 Jul 30 Jul 31 Aug 3 Aug 4 Aug 5 Aug 6 Aug 7 Aug 10 Now $30.05
$20.02 $23.13 $26.24 $29.35 $32.46 Today’s Fair Value · $24.94 Jul 28 Jul 29 Jul 30 Jul 31 Aug 3 Aug 4 Aug 5 Aug 6 Aug 7 Aug 10 Now $30.05
Vertical scale = actual benchmark price. Fair-value bands are today’s modeled values held constant across the historical dates; they are not historical fair-value estimates.
Fair-value distribution
P0562.5
P1068.5
P2576.2
Median83.0
Mean85.6
P7593.7
P90106.2
P95114.0
Market = 100. Fair-value index is normalized to today's market price and is not a price target.
Forward return range
1 year+4.5%
P10 -15.0% · P25 -5.0% · P75 +13.0% · P90 +22.0%
3Y annualized+5.0%
P10 -7.0% · P25 -1.0% · P75 +10.0% · P90 +15.0%
Expected-return scenarios are separate from today's fair-value estimate.
Historical return context
Long-run Treasury-beat base rate63%
Raw observations352
Effective sample44.3
History1996-04-30 → 2025-07-31
This is the benchmark's unconditional historical base rate, not a probability for today's valuation setup.
Key valuation metrics
EWA P/E
22.5 x
Australia broad-market portfolio
EWA P/B
2.78 x
Australia broad-market portfolio
Australia forward P/E
20.9 x
20Y average 15.9x
EWA SEC yield
4.08 %
30-day SEC yield
Fair-value drivers
Fair-value risks
Representative fair-value scenarios
Lower-value scenario76
Lower current-value outcome across the modeled economic anchors.
Model weight 25%
Central fair value83
Central current-value outcome after weighting the asset-specific valuation anchors.
Model weight 50%
Upper-value scenario94
Higher current-value outcome under more favorable fundamentals and justified valuation assumptions.
Model weight 25%
Valuation instruments
Only symbols with actual symbol-level valuation outputs are shown. Reference-only context symbols are omitted.
SymbolExposureLastFair valueValuation1Y expected
EWAAustralia Broad Market direct 30.05 83 -2.0 · Expensive +4.5%
Method & data quality

Australia-heavy developed-Pacific ensemble combining current EWA valuation, long-run Australian forward-multiple context, income yield and sector-concentration adjustments; recent price path excluded.

Limitations: EWA is used as the supplied representative benchmark, so this asset-class model is Australia-heavy rather than a full developed-Pacific market-cap composite.; Only the auditable historical Treasury-beat base rate is usable; no publication-grade conditional probability is available.

Sources: BlackRock / iShares · BetaShares

Valuation instruments 11
Only instruments with usable valuation outputs are shown. Reference-only context symbols are omitted.
BND direct
US Broad Bond Market
Fixed Income
Last 72.15 Fair 100 Val. -0.1 1Y +4.7%
BND is the representative benchmark used to anchor market price at 100 for the Fixed Income current-value distribution.
ETH-USD direct
Ethereum
Crypto
Last 1,877.8 Fair 100 Val. -0.1 1Y +7.0%
ETH-USD is the representative benchmark used to anchor market price at 100 for the Crypto current-value distribution.
EWA direct
Australia Broad Market
Developed Pacific Equities
Last 30.05 Fair 83 Val. -2.0 1Y +4.5%
EWA is the representative benchmark used to anchor market price at 100 for the Developed Pacific Equities current-value distribution.
EWJ direct
Japan Broad Market
Japan Equities
Last 96.05 Fair 103 Val. +0.5 1Y +7.5%
EWJ is the representative benchmark used to anchor market price at 100 for the Japan Equities current-value distribution.
GLD direct
Gold
Metals
Last 402.54 Fair 103 Val. +0.4 1Y +5.0%
GLD is the representative benchmark used to anchor market price at 100 for the Metals current-value distribution.
MCHI direct
China Broad Market
China & Hong Kong Equities
Last 56.93 Fair 119 Val. +1.7 1Y +12.0%
MCHI is the representative benchmark used to anchor market price at 100 for the China & Hong Kong Equities current-value distribution.
SPY direct
US Large-Cap Index
US Equities
Last 773.03 Fair 90 Val. -1.2 1Y +5.5%
SPY is the representative benchmark used to anchor market price at 100 for the US Equities current-value distribution.
USO direct
US Crude Oil
Energy
Last 125.92 Fair 85 Val. -1.5 1Y -3.0%
USO is the representative benchmark used to anchor market price at 100 for the Energy current-value distribution.
VGK direct
Europe Broad Market
Europe Equities
Last 92.26 Fair 99 Val. -0.2 1Y +7.0%
VGK is the representative benchmark used to anchor market price at 100 for the Europe Equities current-value distribution.
VNQ direct
US Real Estate
Real Estate
Last 97.11 Fair 102 Val. +0.2 1Y +7.0%
VNQ is the representative benchmark used to anchor market price at 100 for the Real Estate current-value distribution.
VWO direct
Emerging Markets Broad Index
Emerging Markets Equities
Last 60.33 Fair 109 Val. +1.1 1Y +9.5%
VWO is the representative benchmark used to anchor market price at 100 for the Emerging Markets Equities current-value distribution.
Valuation score

Where current market price (100) sits within the modeled fair-value distribution. Positive = cheaper; negative = more expensive.

Fair-value gap

Median modeled fair value relative to today’s price. It is not an expected return or a timing forecast.

1Y expected return

A separate forward return scenario distribution that can differ materially from the fair-value gap.

Expected edge vs Treasury

Modeled 1Y expected return minus the current 1Y Treasury benchmark. Positive values indicate modeled return above the benchmark.

Historical probability

When available, this is the calibrated share of comparable historical starting regimes that beat the contemporaneous 1Y Treasury benchmark. Long-run base rates are not substituted for it.

Valuation confidence

Evidence-strength score displayed as a percentage for readability. It is not a probability that the valuation is correct.

Sources & methodology references 18
Tier 1 · 98%
State Street Global Advisors
Tier 1 · 98%
BlackRock / iShares
Tier 2 · 90%
J.P. Morgan Private Bank · 2026-03-12
Tier 1 · 98%
BlackRock / iShares
Tier 2 · 91%
Goldman Sachs Asset Management · 2026-01-07
Tier 1 · 98%
BlackRock / iShares
Tier 2 · 84%
BetaShares · 2026-02-03
Tier 1 · 98%
Vanguard
Tier 1 · 94%
Nareit
Tier 1 · 94%
World Gold Council · 2026-07-30
Tier 1 · 99%
U.S. Energy Information Administration · 2026-07-07
Tier 1 · 92%
ethereum.org
Tier 3 · 74%
beaconcha.in · 2026-08-01
Tier 1 · 97%
Robert J. Shiller / Shiller Data
Tier 1 · 99%
U.S. Energy Information Administration
This content is for informational and educational purposes only and is not financial advice. All investing involves risk, including the risk of loss.