Q2 Newsletter & Market Review

Hi All, 

I hope everyone had a great 4th of July.  It’s hard to believe that we are halfway through 2025. It has been a very strong second quarter for the stock market.  April brought a sharp sell-off following tariff announcements.  However, it rebounded quickly during May and June.  The S&P 500 recorded a new all-time high on June 30th, closing at 6,203.  It has posted another new high in the first week of July.  That means your investment accounts should be in great shape.  New “all-time highs” aren’t uncommon.  The S&P 500 has averaged 16 “all-time highs” annually since 1950.  Year-to-date the S&P is up 6.42%. In terms of sector performance, technology saw the largest increase during the second quarter at 21%.   It’s just another reminder to trust your investment thesis during volatility and continue to implement your investment strategy.  The market can be unpredictable in the short term and the financial news loves to highlight volatility.  Long term investors are rewarded for their consistency.   Despite the early volatility, I'm still very optimistic that 2025 will be another positive year. 

Q2 2025 Returns 

S&P 500 (IVV/VOO) +10.84%

Total Market (iTOT/VTI) +10.99%

Nasdaq 100 (QQQM) +17.83% 

Year-to-date Returns 

S&P 500 +6.42%

Tech +8.66%

Total Market +5.98%

Mid Cap +2.27%

Small Cap -2.17%

Mid year is a great time to review your contribution rate inside of your investment accounts.  Are you on track to meet your investment goals for 2025? Reviewing these accounts at the halfway point gives you plenty of time to make adjustments to your contribution rate.  

2025 Contribution Limits 

401k/403b/457 - $23,500

IRA/ Roth IRA - $7,000

HSA/HSA family - $4,300/$8,550