Market update & what I’m doing with my money

Over the past few weeks, I’ve had a number of clients ask:

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​"Is now really the time to be invested?"

It’s a fair question because right now, things feel messy and maybe at its peak (who's to know?).

On one hand, global shares (especially in the U.S.) are powering ahead thanks to big bets on Artificial Intelligence. Tech giants like Microsoft, Google, and Apple are spending billions on AI infrastructure, and markets are watching closely to see if those investments pay off.

At the same time, U.S. consumer confidence has dropped to a six-month low. Many households are feeling the squeeze of rising costs and economic uncertainty.

Meanwhile, central banks across the globe are adjusting interest rates with mixed signals and here in Australia, the Reserve Bank is closely watching inflation numbers ahead of its next move with no change to rates announced by the RBA earlier this month (November 2025).

It’s no wonder people feel a bit uneasy.

But here’s what I shared with a client the other day:

Trying to time the market is like trying to predict Canberra’s weather — it’s possible, but not reliably.

Even seasoned investors can get it wrong. And history shows that staying invested, even when it feels uncomfortable, tends to lead to far better outcomes.

The cycle of market emotions

There’s a well-known concept in investing called the cycle of market emotions. It shows how investors often feel most confident when markets are at their peak (and risk is highest), and most fearful when things are down (when opportunity is greatest).

Here’s what it looks like:

Source: Trellia Wealth Partners - "Staying the Course in Volatile Markets" April 2025

​The risk is not just market volatility. It’s how we respond to it.

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And often, panic selling happens at exactly the wrong time — just before things rebound.

​Missing just 10 days could cost you hundreds of thousands

Some of the biggest gains in market history have happened shortly after large declines.

If you missed the best 10 days in the market over the past 30 years, your return could be more than 50% lower than someone who stayed fully invested.

Source: Bloomberg. Initial investment of $100,000 USD. Returns based on S&P500 Index, for 30-year period ending 11 March 2025.

​That’s a huge difference and it has nothing to do with stock picking or perfect timing.
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It comes down to staying the course.

So what am I doing right now?

We're not guessing what will happen next week.

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We’re focusing on what matters most to acheive our financial objectives and retirement goals.

✅ Staying diversified and not having all our investments in Australian shares
✅ Love taking risk to try to achieve a higher return, over the long term, compared to keeping too much cash for long term goals

✅ Regularly investing within super and our portfolio compounding investment returns and 'dollar cost averaging'

✅ Rebalancing portfolios where needed

✅Using professionally managed accounts instead of trying to be a cowgirl stockpicking individual stocks based on 'yesterdays news'
✅ Reduce concentrated bets
✅ Staying focused on earnings and quality investments— not hype

Markets won’t always feel calm. But your plan should.

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If you’re not sure whether your portfolio is still aligned to your goals, or if it’s time for a review, I’m here.