What Investors Should Know Right Now

Market uncertainty isn’t new, but that doesn’t make it any easier to navigate.

Between interest rate changes, inflation updates, proposed tax legislation and shifting global trade dynamics, many investors are asking the same questions: What should I be doing with my money right now? Should I change my portfolio? Should I wait? Should I be worried?

These are valid questions. In a recent panel discussion, a group of wealth management advisors with experience in tax planning, estate strategies and investment management came together to talk through the current landscape—and how investors can stay focused, even when conditions seem uncertain.

Here are some key takeaways for those thinking about the future of their finances.

1. Volatility Is Normal and It Can Create Opportunity

Markets move. Sometimes they move a lot. While volatility can feel unsettling, it’s not unusual.

In fact, over the last 75 years, the majority of years have ended with positive returns, even though more than half of those years also included intra-year drawdowns of 10% or more. Understanding this can help put daily headlines in context.

Short-term dips don’t necessarily call for major changes. In some cases, they can create opportunities to rebalance or invest at more favorable valuations. For long-term investors, staying consistent with a strategy, even when the news feels chaotic, can be a powerful approach.

2. Everyone’s Risk Tolerance is Different

Market swings affect people in different ways. Some investors are comfortable riding out the ups and downs. Others find it stressful.

There’s no right or wrong reaction, but it’s important to know your comfort level and align your portfolio accordingly. Tools like risk assessments or portfolio stress tests can help match your investments with both your financial goals and your ability to stay the course during volatility.

If you’re regularly losing sleep over market movements, it may be worth revisiting how much risk you’re taking—not as a reaction, but as part of a thoughtful strategy.

3. Consider Taxes When Evaluating Investment Options

Returns are only part of the picture—what matters just as much is how much you keep after taxes. That’s why tax efficiency should be part of any investment conversation.

For example, interest from U.S. Treasury bonds is exempt from state income tax. Municipal bonds may offer both federal and state tax advantages. These small distinctions can have a meaningful impact, especially for investors in higher tax brackets.

With changes to tax law under discussion, including provisions around personal deductions, business expenses and estate exemptions, it’s a good time to evaluate whether your portfolio reflects both your investment objectives and your tax situation.

4. Real Estate and Spending Behaviors Are Evolving

Higher interest rates have impacted housing and borrowing costs, but many areas are still seeing strong demand, particularly in sectors like multifamily housing and industrial infrastructure. At the same time, there’s been a noticeable shift in how people are spending.

Consumer debt levels have risen, including credit card and student loan balances. These trends are worth monitoring, as they can influence overall economic momentum.

5. Trade Policy and Tariffs Could Influence Markets

Recent tariff proposals have added another layer of complexity to the economic picture. It’s not yet clear which tariffs will take effect or how long they’ll last, but the potential for rising costs across industries has prompted questions about inflation and global supply chains.

Some investors are watching how sectors like manufacturing, energy and technology respond. Others are choosing to hold more cash to remain flexible as things unfold.

In moments like this, diversification becomes even more important across industries, asset classes and geographic regions.

6. Fixed Income Has Gained Renewed Attention

With interest rates higher than in recent years, many investors are taking a fresh look at bonds and other fixed income instruments. Today, it’s possible to earn 4–5% on relatively low-risk investments such as CDs and Treasuries—something that hasn’t been common in over a decade.

Diversifying across different types of bonds (corporate, government, municipal, short-term, long-term) can help balance risk and return. The goal, especially for conservative investors, is to find stability while still participating in growth.

7. Technology is Changing How We Invest and Operate

Artificial intelligence continues to make headlines, from its role in driving corporate innovation to its integration into financial operations. Some firms are using AI tools to help with investment research or streamline client meeting summaries.

On the investment side, sectors that support AI infrastructure—like data centers, semiconductors and energy have drawn interest as potential long-term growth areas. As with any emerging trend, a measured and informed approach is key.

Keep Perspective

It’s natural to have questions about your finances during times of change. Whether you’re planning for retirement, managing a portfolio or preparing for a major life event, staying grounded in your personal goals and revisiting your strategy regularly can provide clarity.

Market cycles come and go. But thoughtful planning, smart tax decisions and a well-balanced portfolio can help weather the ups and downs with confidence.

Want to dive deeper? Watch the full webinar on this topic, featuring insights from financial planners, CPAs and investment professionals. The session covers everything from inflation and interest rates to tax legislation, real estate and investment strategy.