Weekly Market Recap: October 10, 2025

Stay Calm and Secure Your Retirement

Welcome to LegacyHaven Advisors’ weekly market update, where we guide pre-retirees and retirees toward a secure, stress-free retirement. This week, markets took a hit, commodities soared, and guaranteed income proved its worth. Let’s unpack the moves, what they mean for your portfolio, and how to stay on track for a retirement that thrives in any economy.

Market Recap: S&P 500 Pulls Back, Commodities Shine

The S&P 500 dropped 2.42% this week, marking its largest daily decline since April and snapping a recent winning streak. Headlines point to tariff hikes on China, but the real story is technical: suppressed volatility and building short positions mounted as a pullback was due. Meanwhile, the crypto market saw its biggest daily liquidation ever, driven by over-leveraged long bets, a classic case of one domino toppling the rest.

On the bright side, commodities surged. Gold hit an all-time high, with silver (+27%), uranium (+28%), and palladium (+12%) outpacing the S&P 500’s modest 2.9% gain since our July 23rd blog post. These moves align with our call for rising inflation, and a broadening of the market rally.

Key Takeaway: Market dips are normal, and this week’s decline is more technical than fundamental. For conservative investors, it’s a chance to dollar-cost average into equities or crypto, but only with a disciplined strategy. Commodities like gold and silver remain strong inflation hedges, though their volatility calls for careful allocation.

Annuity Rates Update: The Power of Guaranteed Income

Weeks like this highlight why guaranteed income is a cornerstone of a worry-free retirement. While the S&P 500’s drop left some investors uneasy, those with guaranteed income solutions covering essentials like mortgages or living expenses likely stayed calm. As we noted in “Refinancing Fixed Income”, locking in rates of 5–5.9% for 2–10-year terms ensures stability, no matter the market’s mood. The Fed’s rate cut last month has already pushed annuity rates slightly lower, and with two more cuts signaled for 2025 (totaling at least 0.5%), rates for new issuances may continue to slip.

Action Step: If market swings give you pause, use our Retirement Income Calculator to see how an annuity can secure your essentials. Don’t let volatility dictate your retirement, book a free consultation to explore guaranteed income options.

Outlook: Growth Persists, but Plan Smart

Despite this week’s turbulence, the bigger picture is positive: GDP is growing, inflation is accelerating, and S&P 500 earnings are on the rise. These factors, combined with an expanding M2 money supply, support our bullish outlook on equities and crypto over the next year. However, the Fed’s planned rate cuts could further reduce yields on fixed-income products like annuities, CDs, and bonds.

What’s Next? Continued volatility in the next week or two is expected, but long-term growth in assets due to inflation, GDP, rate cuts, and liquidity via the Fed. If you’re 5–10 years from retirement, now’s the time to stress-test your plan and secure income streams that won’t falter when markets do.

Don’t let market swings derail your retirement. Try our Sequence of Returns Calculator to assess your portfolio’s resilience, or fill out our form below for a complimentary retirement income plan.

At LegacyHaven Advisors, we help you:

• Secure Income: So you can be confident no matter how the market is performing

• Protect Wealth: So that you never run out of money in retirement.

• Thrive in Any Economy: By forecasting economic conditions and positing accordingly.

We look forward to helping you achieve your retirement goals.