 Wall Street opens this morning to start July trading. It's also the start of the third quarter and the second half of the year after a really strong first half for stocks. Year-to-date, the NASDAQ leading the way up about 18%. The S&P 500 index is up about 14%. A lot of Americans have an S&P 500 index fund in a retirement account. It's been doing great. The Dow up 3% so far year-to-date.