In 2025 financial markets demonstrated a remarkable blend of resilience and recalibration. Despite ongoing geopolitical uncertainty, the year reminded us of the importance of discipline, diversification, and maintaining a long-term perspective in navigating the ever-changing economic landscape. Here are some resolutions to live by.

Don’t get spooked when things get tough

The biggest mistake some investors made during the tariff tantrum was moving out of equities at the bottom of the market, thereby locking in losses and subsequently missing out on the strong stock market rebound that quickly followed. This year we are likely to have more geopolitical, economic and/or market events that will strike fear into the hearts of investors. When that happens, remind yourself that no matter what the event, over time the stock market has a way of shaking it off, and climbing back to new highs.

Expect the Unexpected

When analyzing the performance of the different sectors in the market it is easy to see how quickly things can shift. Today’s leaders can be tomorrow’s losers (at time of writing, the mag7 have underperformed the S&P YTD). Ensure your portfolio stays diversified across asset classes and be sure to include sectors that appear to be poised for better performance going forward.

Don’t wait for the ‘perfect’ time to invest

Everyone always wants to know when the markets have bottomed; unfortunately, we will never know that until we are staring at it in the rear-view mirror. Every year there is a major event that will spark volatility and create opportunities. If you are nervous that the markets are continuing to hit new highs and think things are poised to drop; consider dollar-cost-averaging to avoid the guess work and smooth out the ride.

Stick to your investment plan

It is easy to get excited and want to take on more risk after stellar returns in a particular sector. However, when it comes to investing for your future, that includes creating an investment plan that matches your appetite for risk; adhering to that plan and continuing to invest in your plan. That is the only way to ensure you achieve your long-term goals.

As we look ahead to 2026, I am sure there will be some bouts of volatility, but the markets will continue to advance, and we will have another positive year for investors.

I am always here to answer your questions and provide guidance, if you want to make sure you are positioned properly for the year ahead, don’t hesitate to give me a call.

Have a great weekend,

Tracey

Photo by Vitaly Gariev on Unsplash

Note: All mortgage related transactions are provided by Centum One Financial Group. Any information in the enclosed note is provided by Tracey Marshall who is a registered mortgage agent under the Financial Services Commission of Ontario. Centum One Financial Group is not affiliated or related to Security Financial