What Next?!

🎢 Turbulent tumultuous volatile and unpredictable. The investment markets have been a scary and bumpy ride over the last few weeks. 

As retail investors, it’s likely that we have all seen the value of our pensions and investments decrease significantly in 2025. The market table below shows this clearly.

It’s safe to say that there will unfortunately be people/institutions out there who are making money from all of the upset and I find it hard not to use the phrase market manipulation when it comes to some of the US based actions and tweets!

But as mere mortals we cannot control any of this so what can you do in times like this?

🎯 1. Revisit Your Goals, Not the Headlines

Your investments should be aligned with your personal goals, not with the latest breaking news. Are you investing for retirement in 20 years, or for something shorter term? Remind yourself of your “why” before reacting to market “noise.”

💵 2. Check Your Asset Allocation

When was the last time you reviewed your portfolio’s balance between equities, bonds, and cash? Market swings can knock your allocation off course. Rebalancing—selling what’s done well and buying what’s lagged—helps keep you on track without trying to time the market.

🔼 3. Top Up (If You Can)

It feels counterintuitive, but if your plan allows, adding to your investments during downturns can pay off long-term. Think of it like a sale—assets you wanted to own anyway are now cheaper.

🦺 4. Review Your Emergency Fund

Market volatility can sometimes signal tougher economic times ahead. Make sure your emergency fund is topped up (ideally 3–6 months of expenses), so you’re not forced to sell investments at a loss if unexpected costs arise.

😱 5. Avoid Emotional Decisions

Selling in panic locks in losses. Historically, markets recover—even if the timing is unpredictable. If you’re feeling anxious, pause before making any big financial decisions. Talk to a planner or adviser if needed.

🎮️ 6. Focus on What You Can Control

While we can’t control markets, we can control things like our spending, saving rates, and investment discipline. These small, consistent actions are powerful over time.

🔑 Remember, downturns aren’t forever—they’re just a chapter, not the whole story of your financial journey.

Investment Markets This Week:

Best Cash Savings Rates This Week