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S&P 500 3,839.50 -9.78(-0.25%)   Dow 30 33,147.25 -73.55(-0.22%)   Nasdaq 10,466.48 -11.61(-0.11%)   Russell 2000 1,761.25 -5.00(-0.28%)   Crude Oil 80.51 +2.11(+2.69%)   Gold 1,830.10 +4.10(+0.22%)   Silver 24.18 -0.07(-0.29%)   EUR/USD 1.0712 +0.0042(+0.40%)   10-Yr Bond 3.8790 +0.0440(+1.15%)   GBP/USD 1.2098 +0.0047(+0.39%)   USD/JPY 131.1050 -1.9250(-1.45%)   BTC-USD 16,548.26 -8.45(-0.05%)   CMC Crypto 200 382.45 +0.08(+0.02%)   FTSE 100 7,451.74 -60.98(-0.81%)   Nikkei 225 26,094.50 +0.83(+0.00%)   Image shows a pull figurine signifying a bull market. T. Rowe Price says investors should expect lower returns in the midterm. In 2022 the S&P 500 had its worst annual first-half in five decades. With the