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Ark Royal Wealth Management July 2025 Charts

Published 2 months ago • 1 min read

ARK ROYAL WEALTH MANAGEMENT

Three Charts That Have Our Attention

If you are curious about what’s going on in the market or economy, we’d like to share some charts / graphics that we think are insightful.

Household Leverage. The U.S. household debt-to-asset ratio is at a 50-year low. On the surface, that sounds like a good thing but this can happen for two reasons: either people are paying down debt and building real wealth, or asset values (like homes and stocks) have risen so much that the debt just appears smaller. It’s an encouraging trend, but not necessarily a safe one.

Mid-2025 Reflection. Three principles that held true through the first half of 2025: Diversification remains essential, as no single asset class consistently leads. Volatility is the price of admission for long-term growth, and those who stayed the course were rewarded. And as always, time in the market proved far more valuable than trying to time it.

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​Mc-Flation. Fast food prices have surged well beyond overall inflation since 2014, with McDonald’s doubling menu prices while actual inflation rose just 31%. It's a great reminder of how lifestyle choices can quietly compound over time.

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