Wishing you a happy, healthy, joyous, and abundant 2025!
While the year ahead may bring its share of uncertainties, maintaining a disciplined, research-driven perspective can help navigate challenges. Focusing on Evidence-Based strategies and remaining patient can help manage risk and position your portfolio for sustainable growth—no matter what the market brings in 2025 and beyond.
The fourth quarter of 2024 was marked by volatility, driven by geopolitical tensions, rising global conflicts, and shifting central bank policies. October began positively for equities and bonds but ended lower due to election uncertainties and potential interest rate changes. November saw a recovery with strong stock performance, particularly in Consumer Discretionary and Financials. December brought a pullback amid international crises. Overall, U.S. stocks had a strong year, and 2025 prospects suggest moderate growth with increasing interest in small-cap stocks.
For more details, see the Q4 2024 Market & Economic Commentary.
Articles of Interest
Q4 2024 Market & Economic Commentary
Perspective and insights on markets, headlines, and the economy.
The Importance of Starting Early
Why start investing early for your retirement? Because the sooner you start investing, the sooner you may be able to retire.
Personal Finance Calendar for 2025
A month-by-month guide from Schwab to help get your finances in top shape this year.
A Checklist for Retiring in 2025
Kiplinger’s checklist for retiring next year includes everything you need to do before the retirement party.
Your 2025 Tax Planning Calendar
Looking to get organized with taxes in 2025? Symmetry’s Tax Planning Calendar provides information about tax deadlines and tax planning activities throughout the year.
Spent Too Much This Holiday Season? Here Are Steps You Can Take to Avoid a Repeat Next Year
For those feeling the aftershocks from holiday overspending, CNBC offers tips to help plan ahead for next year.
Advisory services offered through KCPAG Financial Advisors LLC and insurance services offered through KCPAG Insurance Services LLC, subsidiaries of Kemper Capital Management LLC. Tax services offered through Kemper CPA Group LLP.
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No one should assume that future performance of any specific investment, investment strategy, product, or non-investment-related content made reference to directly or indirectly in this newsletter will be profitable. You should not assume any discussion or information contained in this email serves as the receipt of, or as a substitute for, personalized investment advice. Symmetry does not provide tax or legal advice and nothing either stated or implied here should be inferred as providing such advice. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions.
Diversification seeks to improve performance by spreading your investment dollars into various asset classes to add balance to your portfolio. Using this methodology, however, does not guarantee a profit or protection from loss in a declining market. Past performance does not guarantee future results.
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