That elusive ideal dip for reentry probably isn’t going to materialize, and delaying just costs more money.

Even though direct indexing remains a nascent part of the asset-management industry, the buzz is building.

The Dow Jones Industrial Average passed 30,000 for the first time on Tuesday.

A model portfolio composed of 60% U.S. stocks and 40% bonds has climbed 13% year-to-date, in line with the S&P 500 Total Return Index and bigger than the 3.5% gain in the HFRX Global Hedge Fund Index.

The traditional “60/40” portfolio of stocks and bonds can be saved with a few modest tweaks.

A 60/40 investment portfolio will earn just 4.2%, down from 5.4%, in coming years, according to JPMorgan Asset Management.

The prospect of divided government has driven down yields and the environment bodes well for credit and growth companies.

Zoom Video Communications Inc. and Peloton Interactive Inc. -- both stocks and companies that have become household names because of the virus -- were among the market’s top decliners.