The major benchmarks continued their decline in September, and, in an ironic twist, when the Fed decided to keep rates on hold, the markets retreated further due to their interpretation that the Fed believes the U.S. financial markets are in a fragile state. There also remain concerns about the slowing Chinese economy, the world's second largest, and how that may impact global and US domestic profits. Year-to-date, the S&P returned negative 5.29% through Sept 30 2015, with th