Adviser Investments’ Chief Investment Officer Jim Lowell has the market analysis for Thursday, February 14. Although stocksA financial instrument giving the holder a proportion of the ownership and earnings of a company. were able to rebound slightly from intra-day lows, the Dow Jones Industrial Average and S&P 500 still closed the day down 0.4% and 0.3%, respectively, while the NASDAQ rose 0.1%. Meanwhile, the U.S. Census Bureau reported that retail sales fell 1.2% in December, the largest monthly decline since September 2009. Notably, internet-based retailers suffered a 3.9% drop in sales.