Market Update for Q2 – 2025

🚨 Q2 2025 Market Recap🚨 

The Market Took a Hit—Then Got Back Up Like a Fighter

Let’s break down what happened this quarter in a way that makes sense without a finance degree or a Bloomberg terminal.

Back in April, the stock market took a decent hit.  Why? A mix of rising interest rate fears and renewed global trade tensions due to President Trumps “Liberation Day” announcement rattled investors. The Dow dropped. The S&P 500 looked shaky. And a lot of folks we talked to started wondering if this was the start of real long-term volatility.  If you were watching the news they were painting some of the worst pictures about the market and economy since the great recession, but remember they THRIVE off of sensationalism!

But what ended up really happening?  Just like when we first responders get knocked down after a rough call, we get up and push on with the mission and as such the market didn’t stay down for very long either!

By the end of June, all three major indexes had bounced back—and then some. (1)

• The S&P
  500 shot up almost 11%, ending the quarter at an all-time high
  near 6,205.
• The Nasdaq
  was up nearly 18% for the quarter, fueled by magnificent 7 tech
  giants
• The Dow
  Jones moved more modestly but still added around 5%, finishing
  close to 44,000.

The big players, the so-called “Magnificent Seven” tech stocks, continued leading the charge as they have over the last few years, but the overall market jump wasn’t just hype. Corporate earnings for Q2 came in stronger than expected, especially in tech and healthcare. Investors got a little breathing room too when tariff threats and global tensions started to cool down.

And then there was the “golden cross.” That’s when the 50-day average price of the S&P 500 moves above its 200-day average, a technical sign that momentum is shifting in a positive direction. In short: investors began feeling more optimistic.

So What Does This Mean for You?

The market rewarded people who didn’t flinch!  I repeat the market rewarded people who didn’t flinch! 

If you stayed the course during April’s dip, you’re likely sitting in a stronger position today. That’s the power of consistency. And it’s a good reminder that the market is full of ups and downs. Real progress comes from staying committed to the mission, even when things feel uncertain.

This kind of steady growth is exactly what helps build long-term wealth. For those of you still making regular monthly contributions you likely picked up shares at lower prices during the dip and rode the wave back up.

And if you’ve got tech exposure in your investments, as all of our current portfolios do, you’ve likely seen solid gains.

Now’s a good time to take a breath, check your financial “gear,” and make sure your plan still fits your life. That doesn’t mean trying to time the market or making a bunch of changes. It just means reviewing your investment mix, making sure you’re not too heavily loaded in one area, and confirming that your financial goals are still clear.  That’s exactly what FinancialCop is here to help with at any time!

Looking Ahead to Q3

Historically, July tends to be a strong month for the market, but remember, history doesn’t guarantee the future. What we do know is that the fundamentals are strong right now, earnings are holding steady, and investors are feeling a little more confident.

That said, the smart play is the same as we have always recommended:

• Keep contributing to your retirement plans if you are in wealth building mode, especially if you’re doing it automatically through payroll or contributions to your ROTH IRAs, or brokerage accounts.
• Don’t panic during pullbacks. They’re normal.
• Revisit your goals occasionally to ensure that your overall financial plan is on track to meet your retirement needs.
• If you’re unsure whether your portfolio fits your needs, or if your risk tolerance is still appropriate (comfort level in the market) reach out to us to evaluate your specific situation.

First responders don’t run from fires, fights, or chaos, we run toward them. That mindset works in the market too. Don’t let fear drive your decisions.  Markets go up and down, but if you keep your financial mission focused, you’ll usually come out stronger on the other side.

You protect your community. Make sure you’re also protecting your financial future.

Stay safe and stay steady.

(1) https://www.reuters.com/business/sp-500-nasdaq-futures-climb-record-highs-trade-optimism-2025-06-30/#:~:text=NEW%20YORK%2C%20June%2030%20(Reuters,quarter%20with%20double%2Ddigit%20gains.