Weekly Market Recap: October 24, 2025

Markets Hit Highs... Again

Welcome to LegacyHaven Advisors’ weekly market update, where we guide pre-retirees and retirees toward a retirement that thrives in any economy. This week, markets soared to all-time highs, inflation ticked up, and gold and silver continued to correct. Let’s dive into the moves, what they mean for your portfolio, and how to stay prepared for a secure retirement.

Equities Surge, Tech Leads

The markets continued their climb, with the S&P 500 up 1.94%, the Nasdaq rising 2.18%, the Dow gaining 2.20%, and the Russell 2000 leading at 2.47%. Stocks are hitting new all-time highs, shrugging off fears from a few weeks ago. Information Technology led sectors with a strong 2.7% gain, fueled by robust earnings reports, while Consumer Staples lagged, dipping 0.5%. Gold and silver saw a continued correction this week after recent peaks, but their long-term strength as inflation hedges remains intact. The CPI report on Friday came in at 3%, cooler than expected but up from the prior report, signaling persistent inflation.

Key Takeaway: The market’s rally is strong, driven by earnings and economic growth. For conservative investors, this is a chance to benefit from growth while preparing for volatility with non-correlated assets.

Lock in Higher Rates While You Can

The FOMC’s October 29, 2025, meeting is expected to deliver at least a 25-basis-point rate cut, boosting risk assets like stocks but potentially lowering yields on new issuances of fixed-income products such as bonds, treasury bills MYGAs, CDs, and high-yield savings accounts. If you hold fixed-income assets maturing in the next 1–3 years, now is the time to review their terms. Locking in higher rates today, such as 5–5.9% paying MYGA for 2–10 year terms, ensures your income stream stays robust.

Action Step: Use our Retirement Income Calculator to see how a fixed income payments can secure your essentials. If your CDs or bonds are nearing maturity, schedule a free consultation to explore higher rates for longer terms.

Riding the Bubble, Preparing for Volatility

The markets are in a bubble, fueled by increasing GDP, accelerating inflation, strong earnings growth, and the end of quantitative tightening. With the Fed’s likely rate cut next week and in December adding more momentum, we expect more all-time highs ahead. However, bubbles bring volatility, and conservative investors must prepare for when the “party” ends. At LegacyHaven Advisors, in the short term we're focused on:

• Capturing growth: Tech (Nasdaq) and small-cap stocks (Russell 2000) offer upside in this bullish environment.

• Securing income: Locking in 5–5.9% annuity rates now protects cash flow from future rate declines.

• Protecting wealth: Buffer assets like life insurance and downside protection strategies shield portfolio's from sudden drops.

What’s Next? The government shutdown continues with no resolution in sight, but markets are shrugging it off. With rate cuts and earnings accelerating, growth assets remain attractive, but volatility is inevitable. Secure your fixed-income stream and incorporate downside protection to retire with confidence.

Have fixed-income assets maturing soon? Schedule a call to lock in higher rates and build a resilient retirement plan.

Why This Matters for Your Retirement

All-time market highs are exciting, and profitable, but volatility looms. 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 positioning accordingly.

Don’t let a future market dip disrupt your retirement. Try our Sequence of Returns Calculator to test your portfolio’s strength, or ask a question in the form below.