Valuation Lens - August 24, 2026

Fixed income and China look modestly cheap, while U.S. equities and energy remain expensive against today's modeled fair-value ranges.

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VALUATION INTELLIGENCE
Cross-asset valuation & forward return intelligence

Valuation Lens - August 24, 2026

Selective value in bonds and China contrasts with expensive U.S. equities and energy

As of August 24, 2026 11 Asset Classes Valued 11 Valuation Instruments 1Y Treasury 4.03%
Research cutoff · Aug 25, 2026 · 03:59 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 4.03% Low-risk return reference
Cheapest valuation Fixed Income +1.2 · Somewhat cheap
Most expensive valuation U.S. Equities -2.0 · Expensive
Highest expected edge vs Treasury +6.0% Crypto
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 40–230
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
Fixed Income
BND · Fair 104
View details
406080100120140160180200220230 M F
+1.2 Somewhat cheap +4.0% Fair 104 +5.2% -4% to +12% +1.2% Treasury 4.0% 91% high
China & Hong Kong Equities
MCHI · Fair 108
View details
406080100120140160180200220230 M F
+0.7 Somewhat cheap +8.0% Fair 108 +7.5% -30% to +42% +3.5% Treasury 4.0% 82% high
Real Estate
VNQ · Fair 103
View details
406080100120140160180200220230 M F
+0.6 Somewhat cheap +3.0% Fair 103 +6.5% -20% to +30% +2.5% Treasury 4.0% 86% high
Europe Equities
VGK · Fair 102
View details
406080100120140160180200220230 M F
+0.4 Somewhat cheap +2.0% Fair 102 +6.5% -16% to +24% +2.5% Treasury 4.0% 87% high
Crypto
BTC-USD · Fair 105
View details
406080100120140160180200220230 M F
+0.3 Fair +5.0% Fair 105 +10.0% -55% to +105% +6.0% Treasury 4.0% 66% moderate-high
Japan Equities
EWJ · Fair 97
View details
406080100120140160180200220230 M F
-0.6 Somewhat expensive -3.0% Fair 97 +5.0% -18% to +25% +1.0% Treasury 4.0% 84% high
Metals
GLD · Fair 94
View details
406080100120140160180200220230 M F
-0.7 Somewhat expensive -6.0% Fair 94 +3.0% -28% to +35% -1.0% Treasury 4.0% 79% moderate-high
Developed Pacific Equities
EWA · Fair 95
View details
406080100120140160180200220230 M F
-0.9 Somewhat expensive -5.0% Fair 95 +4.0% -19% to +25% 0.0% Treasury 4.0% 76% moderate-high
Emerging Markets Equities
VWO · Fair 90
View details
406080100120140160180200220230 M F
-1.6 Expensive -10.0% Fair 90 +2.5% -28% to +32% -1.5% Treasury 4.0% 82% high
Energy
USO · Fair 84
View details
406080100120140160180200220230 M F
-1.7 Expensive -16.0% Fair 84 -4.0% -35% to +42% -8.0% Treasury 4.0% 84% high
US Equities
SPY · Fair 88
View details
406080100120140160180200220230 M F
-2.0 Expensive -12.0% Fair 88 +2.5% -18% to +18% -1.5% Treasury 4.0% 92% high
Per-asset-class details · select a row to expand
1 Fixed Income BND · Median fair value 104 Valuation +1.2 Somewhat cheap Fair-value gap +4.0% vs market 100 Expected edge +1.2% vs 1Y Treasury Confidence 91% high
VALUATION LENS Fixed Income is somewhat cheap
406080100120140160180200220230 M F
M Market 100 F Fair 104 P25–P75 99–109 P10–P90 95–114
BND US Broad Bond Market
Last 72.37 · 2026-08-24
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.

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 $72.74 $73.67 $74.59 $75.51 Today’s Fair Value · $75.26 Aug 11 Aug 12 Aug 13 Aug 14 Aug 17 Aug 18 Aug 19 Aug 20 Aug 21 Aug 24 Now $72.37
$68.14 $71.89 $75.63 $79.37 $83.11 Today’s Fair Value · $75.26 Aug 11 Aug 12 Aug 13 Aug 14 Aug 17 Aug 18 Aug 19 Aug 20 Aug 21 Aug 24 Now $72.37
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
P0593.2
P1095.1
P2599.0
Median104.0
Mean104.3
P75109.0
P90113.9
P95116.7
Market = 100. Fair-value index is normalized to today's market price and is not a price target.
Forward return range
1 year+5.2%
P10 -4.0% · P25 +1.5% · P75 +8.5% · P90 +12.0%
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
10Y Treasury yield
4.74 %
Near the high end of the supplied 20-year history
Investment-grade OAS
0.81 pct points
81 bp supplied; J.P. Morgan June level 88 bp vs 135 bp 10Y average
High-yield OAS
2.70 pct points
270 bp supplied; J.P. Morgan June level 312 bp vs 441 bp 10Y average
1Y Treasury yield
4.03 %
Current investment-basis hurdle
Fair-value drivers
  • Higher government-bond yields provide stronger contractual carry and a better starting income cushion.
  • Aggregate-bond fair value benefits if yields normalize modestly from elevated levels.
Fair-value risks
  • Investment-grade and high-yield credit spreads are materially tighter than their 10-year averages, limiting credit valuation support.
  • Further rate increases would reduce current bond prices through duration exposure.
Representative fair-value scenarios
Bear fair-value case95
Lower-end fair value under adverse fundamental and/or discount-rate assumptions.
Model weight 20%
Base fair-value case104
Central today-equivalent fair value using balanced current fundamental and valuation assumptions.
Model weight 60%
Bull fair-value case114
Upper-end fair value under favorable fundamental and valuation-normalization assumptions.
Model weight 20%
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 72.37 104 +1.2 · Somewhat cheap +5.2%
Method & data quality

Weighted multi-anchor scenario grid constrained by current fundamentals, historical/peer valuation anchors, and current discount-rate conditions.

Limitations: Fair-value estimates are asset-class scenario distributions anchored to representative benchmarks; they are not security-level price targets.; Recent price history is display/context data only and does not affect valuation, expected return, calibration, or confidence.; No publication-grade calibrated probability to beat the 1Y Treasury passes the upstream/Step 4 hard gate; public probability fields remain null.

Sources: J.P. Morgan Asset Management · Vanguard

2 China & Hong Kong Equities MCHI · Median fair value 108 Valuation +0.7 Somewhat cheap Fair-value gap +8.0% vs market 100 Expected edge +3.5% vs 1Y Treasury Confidence 82% high
VALUATION LENS China & Hong Kong Equities is somewhat cheap
406080100120140160180200220230 M F
M Market 100 F Fair 108 P25–P75 90–122 P10–P90 78–138
MCHI China Broad Market
Last 54.93 · 2026-08-24
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
$54.11 $55.48 $56.84 $58.21 $59.57 Today’s Fair Value · $59.32 Aug 11 Aug 12 Aug 13 Aug 14 Aug 17 Aug 18 Aug 19 Aug 20 Aug 21 Aug 24 Now $54.93
$41.38 $50.34 $59.30 $68.25 $77.21 Today’s Fair Value · $59.32 Aug 11 Aug 12 Aug 13 Aug 14 Aug 17 Aug 18 Aug 19 Aug 20 Aug 21 Aug 24 Now $54.93
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
P0572.5
P1078.3
P2590.2
Median108.0
Mean107.9
P75121.9
P90137.6
P95148.9
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 -30.0% · P25 -12.0% · P75 +24.0% · P90 +42.0%
3Y annualized+6.5%
P10 -6.0% · P25 0.0% · P75 +12.0% · P90 +18.0%
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
China forward P/E
10.3 x
Below the 15-year average line
China trailing P/B
1.40 x
Near the low end of major-market price-to-book levels
China 2026 EPS growth
3.00 %
J.P. Morgan / FactSet consensus
China 2027 EPS growth
15.0 %
J.P. Morgan / FactSet consensus
Fair-value drivers
Fair-value risks
Representative fair-value scenarios
Bear fair-value case78
Lower-end fair value under adverse fundamental and/or discount-rate assumptions.
Model weight 20%
Base fair-value case108
Central today-equivalent fair value using balanced current fundamental and valuation assumptions.
Model weight 60%
Bull fair-value case138
Upper-end fair value under favorable fundamental and valuation-normalization assumptions.
Model weight 20%
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 54.93 108 +0.7 · Somewhat cheap +7.5%
Method & data quality

Weighted multi-anchor scenario grid constrained by current fundamentals, historical/peer valuation anchors, and current discount-rate conditions.

Limitations: Fair-value estimates are asset-class scenario distributions anchored to representative benchmarks; they are not security-level price targets.; Recent price history is display/context data only and does not affect valuation, expected return, calibration, or confidence.; No publication-grade calibrated probability to beat the 1Y Treasury passes the upstream/Step 4 hard gate; public probability fields remain null.

Sources: J.P. Morgan Asset Management · J.P. Morgan Asset Management

3 Real Estate VNQ · Median fair value 103 Valuation +0.6 Somewhat cheap Fair-value gap +3.0% vs market 100 Expected edge +2.5% vs 1Y Treasury Confidence 86% high
VALUATION LENS Real Estate is somewhat cheap
406080100120140160180200220230 M F
M Market 100 F Fair 103 P25–P75 95–112 P10–P90 88–121
VNQ US Real Estate
Last 99.10 · 2026-08-24
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
$95.99 $97.59 $99.19 $100.78 $102.38 Today’s Fair Value · $102.07 Aug 11 Aug 12 Aug 13 Aug 14 Aug 17 Aug 18 Aug 19 Aug 20 Aug 21 Aug 24 Now $99.10
$85.79 $94.68 $103.56 $112.44 $121.33 Today’s Fair Value · $102.07 Aug 11 Aug 12 Aug 13 Aug 14 Aug 17 Aug 18 Aug 19 Aug 20 Aug 21 Aug 24 Now $99.10
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
P0582.5
P1088.2
P2595.1
Median103.0
Mean103.8
P75111.9
P90120.8
P95127.4
Market = 100. Fair-value index is normalized to today's market price and is not a price target.
Forward return range
1 year+6.5%
P10 -20.0% · P25 -7.0% · P75 +18.0% · P90 +30.0%
3Y annualized+6.0%
P10 -3.0% · P25 +1.5% · P75 +10.0% · P90 +14.0%
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
REIT implied cap rate
5.70 %
Nareit Q2 2026 industry implied cap rate
FFO growth
12.4 %
Year-over-year Q2 2026
Same-store NOI growth
4.10 %
Year-over-year Q2 2026
Cap-rate spread vs 10Y Treasury
0.96 pct points
Current implied cap rate less supplied 10Y Treasury yield
Fair-value drivers
  • REIT FFO and NOI are growing while leverage remains disciplined, supporting current property cash flows.
  • Public REIT valuations remain more responsive to market rates than private appraisal values.
Fair-value risks
  • The implied cap-rate spread over the 10-year Treasury is not unusually wide at current yields.
  • Higher refinancing costs can offset strong property-level income growth.
Representative fair-value scenarios
Bear fair-value case88
Lower-end fair value under adverse fundamental and/or discount-rate assumptions.
Model weight 20%
Base fair-value case103
Central today-equivalent fair value using balanced current fundamental and valuation assumptions.
Model weight 60%
Bull fair-value case121
Upper-end fair value under favorable fundamental and valuation-normalization assumptions.
Model weight 20%
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 99.10 103 +0.6 · Somewhat cheap +6.5%
Method & data quality

Weighted multi-anchor scenario grid constrained by current fundamentals, historical/peer valuation anchors, and current discount-rate conditions.

Limitations: Fair-value estimates are asset-class scenario distributions anchored to representative benchmarks; they are not security-level price targets.; Recent price history is display/context data only and does not affect valuation, expected return, calibration, or confidence.; No publication-grade calibrated probability to beat the 1Y Treasury passes the upstream/Step 4 hard gate; public probability fields remain null.

Sources: Nareit · Nareit

4 Europe Equities VGK · Median fair value 102 Valuation +0.4 Somewhat cheap Fair-value gap +2.0% vs market 100 Expected edge +2.5% vs 1Y Treasury Confidence 87% high
VALUATION LENS Europe Equities is somewhat cheap
406080100120140160180200220230 M F
M Market 100 F Fair 102 P25–P75 94–111 P10–P90 87–120
VGK Europe Broad Market
Last 92.61 · 2026-08-24
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
$91.18 $92.07 $92.96 $93.85 $94.75 Today’s Fair Value · $94.46 Aug 11 Aug 12 Aug 13 Aug 14 Aug 17 Aug 18 Aug 19 Aug 20 Aug 21 Aug 24 Now $92.61
$79.25 $87.55 $95.85 $104.15 $112.46 Today’s Fair Value · $94.46 Aug 11 Aug 12 Aug 13 Aug 14 Aug 17 Aug 18 Aug 19 Aug 20 Aug 21 Aug 24 Now $92.61
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
P0582.5
P1087.2
P2594.1
Median102.0
Mean102.8
P75110.9
P90119.8
P95125.5
Market = 100. Fair-value index is normalized to today's market price and is not a price target.
Forward return range
1 year+6.5%
P10 -16.0% · P25 -5.0% · P75 +14.0% · P90 +24.0%
3Y annualized+6.0%
P10 -1.0% · P25 +3.0% · P75 +8.5% · P90 +11.0%
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
Forward P/E
14.9 x
J.P. Morgan: roughly in line with historical averages
2026 EPS growth
17.0 %
J.P. Morgan / FactSet consensus for Eurozone proxy
2027 EPS growth
13.0 %
J.P. Morgan / FactSet consensus for Eurozone proxy
Fair-value drivers
Fair-value risks
Representative fair-value scenarios
Bear fair-value case87
Lower-end fair value under adverse fundamental and/or discount-rate assumptions.
Model weight 20%
Base fair-value case102
Central today-equivalent fair value using balanced current fundamental and valuation assumptions.
Model weight 60%
Bull fair-value case120
Upper-end fair value under favorable fundamental and valuation-normalization assumptions.
Model weight 20%
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 92.61 102 +0.4 · Somewhat cheap +6.5%
Method & data quality

Weighted multi-anchor scenario grid constrained by current fundamentals, historical/peer valuation anchors, and current discount-rate conditions.

Limitations: Fair-value estimates are asset-class scenario distributions anchored to representative benchmarks; they are not security-level price targets.; Recent price history is display/context data only and does not affect valuation, expected return, calibration, or confidence.; No publication-grade calibrated probability to beat the 1Y Treasury passes the upstream/Step 4 hard gate; public probability fields remain null.

Sources: J.P. Morgan Asset Management · J.P. Morgan Asset Management

5 Crypto BTC-USD · Median fair value 105 Valuation +0.3 Fair Fair-value gap +5.0% vs market 100 Expected edge +6.0% vs 1Y Treasury Confidence 66% moderate-high
VALUATION LENS Crypto is fair
406080100120140160180200220230 M F
M Market 100 F Fair 105 P25–P75 75–145 P10–P90 56–184
BTC-USD Bitcoin
Last 78,875.36 · 2026-08-24
crypto_fair_value_distribution_v3.0
RECENT PRICE CONTEXT · BTC-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
$61,841.75 $67,287.8 $72,733.85 $78,179.9 $83,625.95 Today’s Fair Value · $82,819.13 Aug 15 Aug 16 Aug 17 Aug 18 Aug 19 Aug 20 Aug 21 Aug 22 Aug 23 Aug 24 Now $78,875.36
$38,712.03 $66,562.92 $94,413.81 $122,264.69 $150,115.58 Today’s Fair Value · $82,819.13 Aug 15 Aug 16 Aug 17 Aug 18 Aug 19 Aug 20 Aug 21 Aug 22 Aug 23 Aug 24 Now $78,875.36
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
P0545.9
P1055.5
P2575.3
Median105.0
Mean115.1
P75144.6
P90183.9
P95216.8
Market = 100. Fair-value index is normalized to today's market price and is not a price target.
Forward return range
1 year+10.0%
P10 -55.0% · P25 -30.0% · P75 +55.0% · P90 +105.0%
3Y annualized+12.0%
P10 -20.0% · P25 -5.0% · P75 +28.0% · P90 +50.0%
Expected-return scenarios are separate from today's fair-value estimate.
Key valuation metrics
10Y real yield
2.40 %
Opportunity-cost and liquidity anchor
Fidelity valuation signal
Yardstick and other valuation indicators were approaching potentially attractive long-term levels
MVRV definition
Market cap divided by realized market cap; exact current value not supplied by verified source
Fair-value drivers
  • Fidelity's Q3 research found several valuation indicators approaching levels associated with long-term accumulation or capitulation.
Fair-value risks
  • Crypto lacks a universally accepted intrinsic-value framework, so fair-value dispersion is intentionally much wider than for cash-flow assets.
  • Positive real yields raise the opportunity cost of non-cash-flow digital assets.
Representative fair-value scenarios
Bear fair-value case56
Lower-end fair value under adverse fundamental and/or discount-rate assumptions.
Model weight 20%
Base fair-value case105
Central today-equivalent fair value using balanced current fundamental and valuation assumptions.
Model weight 60%
Bull fair-value case184
Upper-end fair value under favorable fundamental and valuation-normalization assumptions.
Model weight 20%
Valuation instruments
Only symbols with actual symbol-level valuation outputs are shown. Reference-only context symbols are omitted.
SymbolExposureLastFair valueValuation1Y expected
BTC-USDBitcoin direct 78,875.36 105 +0.3 · Fair +10.0%
Method & data quality

Weighted multi-anchor scenario grid constrained by current fundamentals, historical/peer valuation anchors, and current discount-rate conditions.

Limitations: Fair-value estimates are asset-class scenario distributions anchored to representative benchmarks; they are not security-level price targets.; Recent price history is display/context data only and does not affect valuation, expected return, calibration, or confidence.; No publication-grade calibrated probability to beat the 1Y Treasury passes the upstream/Step 4 hard gate; public probability fields remain null.; Crypto has no universally accepted intrinsic-value model; the fair-value distribution is intentionally wide and model reliability is lower.

Sources: Fidelity Digital Assets · Coin Metrics

6 Japan Equities EWJ · Median fair value 97 Valuation -0.6 Somewhat expensive Fair-value gap -3.0% vs market 100 Expected edge +1.0% vs 1Y Treasury Confidence 84% high
VALUATION LENS Japan Equities is somewhat expensive
406080100120140160180200220230 M F
M Market 100 F Fair 97 P25–P75 90–105 P10–P90 83–113
EWJ Japan Broad Market
Last 94.84 · 2026-08-24
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
$91.70 $93.55 $95.39 $97.24 $99.09 Today’s Fair Value · $91.99 Aug 11 Aug 12 Aug 13 Aug 14 Aug 17 Aug 18 Aug 19 Aug 20 Aug 21 Aug 24 Now $94.84
$77.50 $85.22 $92.94 $100.66 $108.38 Today’s Fair Value · $91.99 Aug 11 Aug 12 Aug 13 Aug 14 Aug 17 Aug 18 Aug 19 Aug 20 Aug 21 Aug 24 Now $94.84
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
P0578.5
P1083.2
P2590.1
Median97.0
Mean97.5
P75104.9
P90112.8
P95117.5
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 -18.0% · P25 -6.0% · P75 +15.0% · P90 +25.0%
3Y annualized+5.5%
P10 -2.0% · P25 +2.0% · P75 +8.5% · P90 +12.0%
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
Forward P/E
16.8 x
Above its 15-year average in J.P. Morgan's June valuation chart
Trailing P/B
2.00 x
Above its 15-year average in J.P. Morgan's June valuation chart
2026 EPS growth
16.0 %
J.P. Morgan / FactSet consensus
2027 EPS growth
13.0 %
J.P. Morgan / FactSet consensus
Fair-value drivers
Fair-value risks
Representative fair-value scenarios
Bear fair-value case83
Lower-end fair value under adverse fundamental and/or discount-rate assumptions.
Model weight 20%
Base fair-value case97
Central today-equivalent fair value using balanced current fundamental and valuation assumptions.
Model weight 60%
Bull fair-value case113
Upper-end fair value under favorable fundamental and valuation-normalization assumptions.
Model weight 20%
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 94.84 97 -0.6 · Somewhat expensive +5.0%
Method & data quality

Weighted multi-anchor scenario grid constrained by current fundamentals, historical/peer valuation anchors, and current discount-rate conditions.

Limitations: Fair-value estimates are asset-class scenario distributions anchored to representative benchmarks; they are not security-level price targets.; Recent price history is display/context data only and does not affect valuation, expected return, calibration, or confidence.; No publication-grade calibrated probability to beat the 1Y Treasury passes the upstream/Step 4 hard gate; public probability fields remain null.

Sources: J.P. Morgan Asset Management · J.P. Morgan Asset Management

7 Metals GLD · Median fair value 94 Valuation -0.7 Somewhat expensive Fair-value gap -6.0% vs market 100 Expected edge -1.0% vs 1Y Treasury Confidence 79% moderate-high
VALUATION LENS Metals is somewhat expensive
406080100120140160180200220230 M F
M Market 100 F Fair 94 P25–P75 84–106 P10–P90 74–122
GLD Gold
Last 426.69 · 2026-08-24
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
$396.58 $405.11 $413.65 $422.18 $430.71 Today’s Fair Value · $401.09 Aug 11 Aug 12 Aug 13 Aug 14 Aug 17 Aug 18 Aug 19 Aug 20 Aug 21 Aug 24 Now $426.69
$306.94 $362.44 $417.94 $473.44 $528.95 Today’s Fair Value · $401.09 Aug 11 Aug 12 Aug 13 Aug 14 Aug 17 Aug 18 Aug 19 Aug 20 Aug 21 Aug 24 Now $426.69
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
P0565.8
P1074.3
P2584.1
Median94.0
Mean96.2
P75105.9
P90121.6
P95133.8
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 -28.0% · P25 -12.0% · P75 +18.0% · P90 +35.0%
3Y annualized+3.0%
P10 -6.0% · P25 -1.0% · P75 +8.0% · P90 +14.0%
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 yield
2.40 %
Current real discount/carry opportunity cost
Q1 gold demand
1231.0 tonnes
Total demand including OTC; +2% y/y
Q1 central-bank purchases
244.0 tonnes
Official-sector demand
Reserve managers expecting higher global gold holdings
89.0 %
World Gold Council 2026 survey
Fair-value drivers
Fair-value risks
  • A 2.40% 10-year real Treasury yield raises the opportunity cost of holding non-yielding precious metals.
  • High gold prices are already suppressing jewelry volumes, indicating demand sensitivity at elevated valuations.
Representative fair-value scenarios
Bear fair-value case74
Lower-end fair value under adverse fundamental and/or discount-rate assumptions.
Model weight 20%
Base fair-value case94
Central today-equivalent fair value using balanced current fundamental and valuation assumptions.
Model weight 60%
Bull fair-value case122
Upper-end fair value under favorable fundamental and valuation-normalization assumptions.
Model weight 20%
Valuation instruments
Only symbols with actual symbol-level valuation outputs are shown. Reference-only context symbols are omitted.
SymbolExposureLastFair valueValuation1Y expected
GLDGold direct 426.69 94 -0.7 · Somewhat expensive +3.0%
Method & data quality

Weighted multi-anchor scenario grid constrained by current fundamentals, historical/peer valuation anchors, and current discount-rate conditions.

Limitations: Fair-value estimates are asset-class scenario distributions anchored to representative benchmarks; they are not security-level price targets.; Recent price history is display/context data only and does not affect valuation, expected return, calibration, or confidence.; No publication-grade calibrated probability to beat the 1Y Treasury passes the upstream/Step 4 hard gate; public probability fields remain null.

Sources: World Gold Council · World Gold Council

8 Developed Pacific Equities EWA · Median fair value 95 Valuation -0.9 Somewhat expensive Fair-value gap -5.0% vs market 100 Expected edge 0.0% vs 1Y Treasury Confidence 76% moderate-high
VALUATION LENS Developed Pacific Equities is somewhat expensive
406080100120140160180200220230 M F
M Market 100 F Fair 95 P25–P75 89–103 P10–P90 82–112
EWA Australia Broad Market
Last 30.06 · 2026-08-24
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
$28.31 $28.84 $29.36 $29.89 $30.42 Today’s Fair Value · $28.56 Aug 11 Aug 12 Aug 13 Aug 14 Aug 17 Aug 18 Aug 19 Aug 20 Aug 21 Aug 24 Now $30.06
$24.26 $26.71 $29.16 $31.61 $34.05 Today’s Fair Value · $28.56 Aug 11 Aug 12 Aug 13 Aug 14 Aug 17 Aug 18 Aug 19 Aug 20 Aug 21 Aug 24 Now $30.06
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
P0577.5
P1082.2
P2589.1
Median95.0
Mean96.2
P75102.9
P90111.8
P95117.5
Market = 100. Fair-value index is normalized to today's market price and is not a price target.
Forward return range
1 year+4.0%
P10 -19.0% · P25 -7.0% · P75 +14.0% · P90 +25.0%
3Y annualized+5.0%
P10 -2.0% · P25 +2.0% · P75 +8.0% · P90 +11.0%
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
Asia Pacific ex-Japan forward P/E
12.6 x
Regional valuation proxy; not an Australia-only multiple
Asia Pacific ex-Japan trailing P/B
2.40 x
Regional proxy above the 15-year average line
Asia Pacific ex-Japan 2026 EPS growth
49.0 %
Regional consensus; sector mix makes this a broad proxy
Singapore forward P/E
16.3 x
Above the 15-year average line in June data
Fair-value drivers
Fair-value risks
Representative fair-value scenarios
Bear fair-value case82
Lower-end fair value under adverse fundamental and/or discount-rate assumptions.
Model weight 20%
Base fair-value case95
Central today-equivalent fair value using balanced current fundamental and valuation assumptions.
Model weight 60%
Bull fair-value case112
Upper-end fair value under favorable fundamental and valuation-normalization assumptions.
Model weight 20%
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 30.06 95 -0.9 · Somewhat expensive +4.0%
Method & data quality

Weighted multi-anchor scenario grid constrained by current fundamentals, historical/peer valuation anchors, and current discount-rate conditions.

Limitations: Fair-value estimates are asset-class scenario distributions anchored to representative benchmarks; they are not security-level price targets.; Recent price history is display/context data only and does not affect valuation, expected return, calibration, or confidence.; No publication-grade calibrated probability to beat the 1Y Treasury passes the upstream/Step 4 hard gate; public probability fields remain null.; Current Australia-specific forward-multiple evidence was less complete than broader Asia-Pacific and Singapore evidence; regional proxies therefore carry more weight.

Sources: J.P. Morgan Asset Management · J.P. Morgan Asset Management

9 Emerging Markets Equities VWO · Median fair value 90 Valuation -1.6 Expensive Fair-value gap -10.0% vs market 100 Expected edge -1.5% vs 1Y Treasury Confidence 82% high
VALUATION LENS Emerging Markets Equities is expensive
406080100120140160180200220230 M F
M Market 100 F Fair 90 P25–P75 82–99 P10–P90 74–110
VWO Emerging Markets Broad Index
Last 59.97 · 2026-08-24
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
$53.71 $55.51 $57.32 $59.12 $60.93 Today’s Fair Value · $53.97 Aug 11 Aug 12 Aug 13 Aug 14 Aug 17 Aug 18 Aug 19 Aug 20 Aug 21 Aug 24 Now $59.97
$43.43 $49.29 $55.14 $61.00 $66.85 Today’s Fair Value · $53.97 Aug 11 Aug 12 Aug 13 Aug 14 Aug 17 Aug 18 Aug 19 Aug 20 Aug 21 Aug 24 Now $59.97
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
P0568.5
P1074.2
P2582.1
Median90.0
Mean91.1
P7598.9
P90109.7
P95117.3
Market = 100. Fair-value index is normalized to today's market price and is not a price target.
Forward return range
1 year+2.5%
P10 -28.0% · P25 -14.0% · P75 +16.0% · P90 +32.0%
3Y annualized+3.5%
P10 -5.0% · P25 0.0% · P75 +8.0% · P90 +13.0%
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
Forward P/E
11.6 x
J.P. Morgan broad EM proxy
Trailing P/B
2.40 x
Above the broad EM 15-year average line
Vanguard valuation percentile
99.0 %
Described as nearly the highest historical percentile
10Y expected return midpoint
3.00 %
Vanguard 2%-4% annualized range as of June 30
Fair-value drivers
Fair-value risks
  • Vanguard's model places emerging-market valuations near the top of their historical distribution.
  • Vanguard's long-horizon expected return range has fallen to 2%-4% after the rally.
Representative fair-value scenarios
Bear fair-value case74
Lower-end fair value under adverse fundamental and/or discount-rate assumptions.
Model weight 20%
Base fair-value case90
Central today-equivalent fair value using balanced current fundamental and valuation assumptions.
Model weight 60%
Bull fair-value case110
Upper-end fair value under favorable fundamental and valuation-normalization assumptions.
Model weight 20%
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 59.97 90 -1.6 · Expensive +2.5%
Method & data quality

Weighted multi-anchor scenario grid constrained by current fundamentals, historical/peer valuation anchors, and current discount-rate conditions.

Limitations: Fair-value estimates are asset-class scenario distributions anchored to representative benchmarks; they are not security-level price targets.; Recent price history is display/context data only and does not affect valuation, expected return, calibration, or confidence.; No publication-grade calibrated probability to beat the 1Y Treasury passes the upstream/Step 4 hard gate; public probability fields remain null.

Sources: J.P. Morgan Asset Management · Vanguard · Vanguard · J.P. Morgan Asset Management

10 Energy USO · Median fair value 84 Valuation -1.7 Expensive Fair-value gap -16.0% vs market 100 Expected edge -8.0% vs 1Y Treasury Confidence 84% high
VALUATION LENS Energy is expensive
406080100120140160180200220230 M F
M Market 100 F Fair 84 P25–P75 75–96 P10–P90 65–115
USO US Crude Oil
Last 132.21 · 2026-08-24
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
$110.06 $116.77 $123.48 $130.19 $136.90 Today’s Fair Value · $111.06 Aug 11 Aug 12 Aug 13 Aug 14 Aug 17 Aug 18 Aug 19 Aug 20 Aug 21 Aug 24 Now $132.21
$83.08 $100.97 $118.86 $136.74 $154.63 Today’s Fair Value · $111.06 Aug 11 Aug 12 Aug 13 Aug 14 Aug 17 Aug 18 Aug 19 Aug 20 Aug 21 Aug 24 Now $132.21
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
P0555.9
P1065.3
P2575.1
Median84.0
Mean87.0
P7595.9
P90114.5
P95126.8
Market = 100. Fair-value index is normalized to today's market price and is not a price target.
Forward return range
1 year-4.0%
P10 -35.0% · P25 -20.0% · P75 +18.0% · P90 +42.0%
3Y annualized+1.5%
P10 -8.0% · P25 -3.0% · P75 +7.0% · P90 +12.0%
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
EIA 3Q26 Brent forecast
85.0 USD/bbl
August STEO forecast average
EIA 2027 Brent forecast
69.0 USD/bbl
Expected normalization as inventories rebuild
IEA 2026 oil-demand change
-1.60 mb/d
Annual demand forecast
IEA 3Q26 market balance
-1.80 mb/d
Projected supply deficit; negative denotes deficit
Fair-value drivers
Fair-value risks
Representative fair-value scenarios
Bear fair-value case65
Lower-end fair value under adverse fundamental and/or discount-rate assumptions.
Model weight 20%
Base fair-value case84
Central today-equivalent fair value using balanced current fundamental and valuation assumptions.
Model weight 60%
Bull fair-value case115
Upper-end fair value under favorable fundamental and valuation-normalization assumptions.
Model weight 20%
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 132.21 84 -1.7 · Expensive -4.0%
Method & data quality

Weighted multi-anchor scenario grid constrained by current fundamentals, historical/peer valuation anchors, and current discount-rate conditions.

Limitations: Fair-value estimates are asset-class scenario distributions anchored to representative benchmarks; they are not security-level price targets.; Recent price history is display/context data only and does not affect valuation, expected return, calibration, or confidence.; No publication-grade calibrated probability to beat the 1Y Treasury passes the upstream/Step 4 hard gate; public probability fields remain null.

Sources: U.S. Energy Information Administration · International Energy Agency

11 US Equities SPY · Median fair value 88 Valuation -2.0 Expensive Fair-value gap -12.0% vs market 100 Expected edge -1.5% vs 1Y Treasury Confidence 92% high
VALUATION LENS US Equities is expensive
406080100120140160180200220230 M F
M Market 100 F Fair 88 P25–P75 82–96 P10–P90 76–103
SPY US Large-Cap Index
Last 763.47 · 2026-08-24
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
$667.55 $696.58 $725.61 $754.64 $783.67 Today’s Fair Value · $671.85 Aug 11 Aug 12 Aug 13 Aug 14 Aug 17 Aug 18 Aug 19 Aug 20 Aug 21 Aug 24 Now $763.47
$571.61 $627.46 $683.31 $739.15 $795.00 Today’s Fair Value · $671.85 Aug 11 Aug 12 Aug 13 Aug 14 Aug 17 Aug 18 Aug 19 Aug 20 Aug 21 Aug 24 Now $763.47
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
P0572.4
P1076.2
P2582.1
Median88.0
Mean89.0
P7595.9
P90102.8
P95107.5
Market = 100. Fair-value index is normalized to today's market price and is not a price target.
Forward return range
1 year+2.5%
P10 -18.0% · P25 -8.0% · P75 +10.0% · P90 +18.0%
3Y annualized+4.8%
P10 -2.0% · P25 +2.0% · P75 +7.0% · P90 +9.0%
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 12M P/E
20.0 x
5Y average 19.9x; 10Y average 19.0x
Shiller CAPE
41.2 x
Long-history valuation anchor; current level is historically elevated
2026 EPS growth
30.0 %
FactSet CY 2026 consensus growth
10Y Treasury yield
4.74 %
Current discount-rate anchor
Fair-value drivers
  • Strong 2026 earnings growth and positive earnings surprises support current economic output.
  • Profit growth remains unusually strong, which partly offsets rich headline multiples.
Fair-value risks
  • Broad U.S. equity valuations are at the extreme high end of Vanguard's historical distribution.
  • A 4.74% 10-year Treasury yield raises the discount-rate hurdle for long-duration equities.
Representative fair-value scenarios
Bear fair-value case76
Lower-end fair value under adverse fundamental and/or discount-rate assumptions.
Model weight 20%
Base fair-value case88
Central today-equivalent fair value using balanced current fundamental and valuation assumptions.
Model weight 60%
Bull fair-value case103
Upper-end fair value under favorable fundamental and valuation-normalization assumptions.
Model weight 20%
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 763.47 88 -2.0 · Expensive +2.5%
Method & data quality

Weighted multi-anchor scenario grid constrained by current fundamentals, historical/peer valuation anchors, and current discount-rate conditions.

Limitations: Fair-value estimates are asset-class scenario distributions anchored to representative benchmarks; they are not security-level price targets.; Recent price history is display/context data only and does not affect valuation, expected return, calibration, or confidence.; No publication-grade calibrated probability to beat the 1Y Treasury passes the upstream/Step 4 hard gate; public probability fields remain null.

Sources: Vanguard

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 72.37 Fair 104 Val. +1.2 1Y +5.2%
Representative benchmark used to anchor the asset-class market-price normalization; the fair value is a current economic-value estimate, not a price target.
BTC-USD direct
Bitcoin
Crypto
Last 78,875.36 Fair 105 Val. +0.3 1Y +10.0%
Representative benchmark used to anchor the asset-class market-price normalization; the fair value is a current economic-value estimate, not a price target.
EWA direct
Australia Broad Market
Developed Pacific Equities
Last 30.06 Fair 95 Val. -0.9 1Y +4.0%
Representative benchmark used to anchor the asset-class market-price normalization; the fair value is a current economic-value estimate, not a price target.
EWJ direct
Japan Broad Market
Japan Equities
Last 94.84 Fair 97 Val. -0.6 1Y +5.0%
Representative benchmark used to anchor the asset-class market-price normalization; the fair value is a current economic-value estimate, not a price target.
GLD direct
Gold
Metals
Last 426.69 Fair 94 Val. -0.7 1Y +3.0%
Representative benchmark used to anchor the asset-class market-price normalization; the fair value is a current economic-value estimate, not a price target.
MCHI direct
China Broad Market
China & Hong Kong Equities
Last 54.93 Fair 108 Val. +0.7 1Y +7.5%
Representative benchmark used to anchor the asset-class market-price normalization; the fair value is a current economic-value estimate, not a price target.
SPY direct
US Large-Cap Index
US Equities
Last 763.47 Fair 88 Val. -2.0 1Y +2.5%
Representative benchmark used to anchor the asset-class market-price normalization; the fair value is a current economic-value estimate, not a price target.
USO direct
US Crude Oil
Energy
Last 132.21 Fair 84 Val. -1.7 1Y -4.0%
Representative benchmark used to anchor the asset-class market-price normalization; the fair value is a current economic-value estimate, not a price target.
VGK direct
Europe Broad Market
Europe Equities
Last 92.61 Fair 102 Val. +0.4 1Y +6.5%
Representative benchmark used to anchor the asset-class market-price normalization; the fair value is a current economic-value estimate, not a price target.
VNQ direct
US Real Estate
Real Estate
Last 99.10 Fair 103 Val. +0.6 1Y +6.5%
Representative benchmark used to anchor the asset-class market-price normalization; the fair value is a current economic-value estimate, not a price target.
VWO direct
Emerging Markets Broad Index
Emerging Markets Equities
Last 59.97 Fair 90 Val. -1.6 1Y +2.5%
Representative benchmark used to anchor the asset-class market-price normalization; the fair value is a current economic-value estimate, not a price target.
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 14
Tier 2 · 94%
Vanguard · 2026-07-22T00:00:00-04:00
Tier 2 · 94%
Vanguard · 2026-07-22T00:00:00-04:00
Tier 2 · 92%
J.P. Morgan Asset Management
Tier 2 · 92%
J.P. Morgan Asset Management
Tier 2 · 92%
J.P. Morgan Asset Management · 2026-03-18T00:00:00+08:00
Tier 2 · 94%
Vanguard · 2026-07-27T00:00:00-04:00
Tier 2 · 92%
Nareit · 2026-08-17T00:00:00-04:00
Tier 2 · 90%
Nareit · 2026-07-07T00:00:00-04:00
Tier 2 · 92%
World Gold Council · 2026-04-29T00:00:00+01:00
Tier 2 · 92%
World Gold Council · 2026-06-16T00:00:00+01:00
Tier 1 · 99%
U.S. Energy Information Administration · 2026-08-11T00:00:00-04:00
Tier 1 · 98%
International Energy Agency · 2026-08-12T00:00:00+02:00
Tier 2 · 92%
Fidelity Digital Assets · 2026-07-28T00:00:00-04:00
This content is for informational and educational purposes only and is not financial advice. All investing involves risk, including the risk of loss.