At the mid-year mark of 2025, markets have moved through a choppy and unpredictable six months, marked by shifting policy signals. Entering the year, the anticipated sources of disruption—trade, geopolitical, immigration, and regulatory policy, along with fiscal uncertainty in Washington – have each taken turns testing investor sentiment. Trade policy dominated early headlines, peaking with the dramatic rollout of a new tariff regime in April, followed by a sudden 90-day reprieve to allow for further negotiations. Markets initially plunged into bear territory, dropping 21%, only to rebound sharply – nearly 30% from mid-April into June – pushing the S&P to record highs in a V-shaped rally reminiscent of early 2020.
Despite this recovery, uncertainty lingers on trade and elsewhere. While inflation has remained somewhat muted at 2.7%, upward pressure is expected as firms begin passing on costs. Meanwhile, significant changes in immigration policy have yet to fully ripple through the labor market or stoke inflation, but there remains the potential for greater disruption ahead. At Florida Trust Wealth Management, we believe that regardless of near-term volatility, a prudent, fundamentals-driven approach remains a time-tested strategy for navigating the uncertainty and delivering risk-adjusted returns that meet our clients’ long-term goals.
Market fluctuations are a natural part of investing. Understanding how to navigate them is essential to protecting and growing your assets. Key drivers of volatility include shifting economic indicators, geopolitical developments, corporate developments, and changes in investor sentiment. While unsettling in the short term, these movements can also create opportunity. At Florida Trust Wealth Management, we encourage investors to maintain a long-term perspective, stay diversified across asset classes, and regularly rebalance portfolios to ensure alignment with their goals. Downturns can present value-buying opportunities or allow for tax loss harvesting, while fixed income often serves as a stabilizing force during periods of market stress. Above all, resisting emotional reactions and adhering to a well-structured plan is critical. If you’re reconsidering your financial strategy – or simply looking for guidance – our team is here to support you with a personalized, disciplined investment approach.
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