In the July 2025 Trending Report, Kevin Roskam from USA Financial reflects on the emotional ups and downs investors have experienced in the first half of the year, particularly considering continued market volatility and headline-driven uncertainty. He begins by acknowledging the rapid movement through the cycle of investor emotions—ranging from optimism to fear and even euphoria—that many have felt recently. Kevin emphasizes that while these emotional reactions are normal, they should not dictate investment decisions.
The core message centers on the importance of maintaining a long-term, risk-managed investment strategy. Kevin reminds viewers that if their plan was built for long-term success, then short-term volatility—like that experienced throughout March and April—should already be accounted for. He notes that while markets have improved recently and many trends are positive, this short-term success does not guarantee a continued upward trajectory. Performance doesn’t happen in a straight line, and short-term gains can often create a false sense of confidence or fear of missing out (FOMO).
Kevin also reviews various market charts, pointing out the positive trend over the past 30 days while cautioning investors against becoming overly reactive. He reinforces the need to stick with disciplined, unemotional strategies, especially during periods of turbulence. Over the last year, despite moments of decline, the market has remained positive overall. This highlights the value of staying invested and aligned with a broader plan—even when volatility stirs doubt.
He addresses a common misconception among moderate investors: the expectation of full-market returns without accepting full-market risk. Kevin explains that realistic expectations and consistent communication with an advisor are key components of a successful investment journey. Chasing returns based on recent market performance often leads to emotional decision-making and, ultimately, misalignment with long-term goals.
Throughout the episode, Kevin encourages investors to evaluate their comfort level with volatility. If recent market movements caused discomfort, it might be a sign to revisit asset allocations and ensure proper risk management is in place. Ultimately, the focus should be on whether investors remain on track to meet their long-term financial goals, not on reacting to short-term fluctuations.
He concludes with a reminder that USA Financial is committed to unemotional, risk-managed strategies designed to help clients navigate uncertainty and maintain clarity. Staying the course—despite headlines, tariffs, or temporary dips—remains the most effective way to achieve lasting investment success.
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The Trending Report is a monthly commentary series that explores topical trends taking place within the current market and economy. It aims to provide clarity and encourage Advisors and Investors as they navigate and make sense of current market conditions. The ongoing battle between short term emotions and the commitment to long term investing is real. This series seeks to help Advisors and Investors focus their energy on long term success. Hosted and published by the investment professionals at USA Financial, each episode offers valuable commentary and analysis into various economic factors and market movements. By tuning in, our host breaks down complex topics into easy-to-understand information.
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