Why Now is Not the Time to Panic About Your Investments

The headlines are loud. Markets are shaky. Tariffs are back in the spotlight. And understandably, investors are nervous. As a financial advisor, I’ve seen a noticeable uptick in calls from clients lately, all asking a version of the same question: “Are we going to be okay?”

It’s a fair question—especially when the financial news cycle is in full-blown frenzy mode. But the answer, in most cases, is a reassuring yes. This is not a moment to panic. In fact, for long-term investors, it may be one of the most promising windows in years.

Bonds, Then Stocks: A Strategic Shift

In anticipation of volatility, I had many clients’ portfolios positioned conservatively, with a healthy allocation to bonds. Bonds tend to hold their ground better during downturns, which helped buffer the recent market swings.

But now, those same portfolios are shifting. Why? Because stocks—particularly quality ones—are undervalued right now. Markets have pulled back, and that creates opportunities. We’ve been using the proceeds from bonds to buy stocks at discount prices. For investors with a long horizon, this is how wealth is built: buying low, staying patient, and letting time do its work.

Tariffs, Tumult, and Transformation

The reintroduction of tariffs under Trump’s administration has added a layer of uncertainty to the economic landscape. In the short term, they may cause discomfort—supply chain adjustments, higher costs for some goods, temporary market unease. But the bigger picture tells a more optimistic story.

These measures are nudging industries to return operations to American soil, potentially reshaping the economy into one that’s more self-reliant and sustainable. Like pulling off a bandaid, there’s a sting—but also a necessary healing process underneath.

Eye on the Long Game: Could the Dow Hit 50,000?

Some market watchers are predicting the Dow could soar to 50,000 points by the end of Trump’s term. That’s a bold projection, and whether it hits that exact number or not, the takeaway is clear: long-term optimism remains strong among many experts.

Markets move quickly. Rebounds often happen before the average investor feels ready. That’s why staying invested is key. Sitting on the sidelines means risking the loss of those big upswings when they do arrive.

Inflation Easing, Prices Falling

There are also encouraging signs in the day-to-day economy. Inflation—a persistent thorn in our side since 2020—is finally starting to ease. Oil prices have dipped. Eggs and other groceries are becoming more affordable. These shifts may seem small, but they signal broader momentum in the right direction.

We are currently in one of the biggest housing affordability crises of our time. With valuations still high and interest rates high as well, many millennials and young people are finding the prospect of buying a home well beyond their reach. Inflation, interest rates, and housing prices will need to come down considerably to make the American Dream a reality for younger generations again. How this will happen and how new generations will adapt will be very interesting to observe.

Keep Calm and Stay Invested

Investing is emotional. It’s natural to feel uneasy when the market dips or headlines suggest chaos. But history has consistently rewarded those who stayed the course during times of uncertainty.

This moment—right now—could very well be the kind of temporary storm that long-term investors later look back on and say, “I’m glad I didn’t panic.”

So whether you’re managing your own portfolio or working with a financial advisor, take a deep breath. Stay calm. Stay smart. The fundamentals of long-term investing haven’t changed—and this might just be one of those rare opportunities to lean into them.