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Stocks had two very different quarters to start 2020 with the S&P 500 index ETF (SPY) return including dividends of -19.5% in 1Q and 20.1% in 2Q for an overall 1H return of -3.3%. High-quality bonds as measured by the iShares Core Aggregate Bond ETF (AGG) continued to reap the benefits of lower interest rates, returning 6.3% in 1H 2020 after a stellar 8.7% in 2019. There was huge variability in returns depending on sector, style, and quality. Only 3 out of 11 sectors had positive returns in 1H