This year has been a disappointment for investors.
The stock market is basically flat. Even if there’s a “Santa Claus rally” to finish the year, stocks will be lucky to end 2015 up much more than 3%.
Most investors are already looking ahead to 2016.
Whether you’re optimistic about the U.S. economy and stocks next year depends largely on one factor: Do you believe American consumers will keep spending — or even pick up their spending?
