Hello, September! It’s a month of fluctuation as we transition from summer to fall—kids return to school, pumpkin spice everything fills the shelves, and many of us are already counting down to the holiday season.
Whether this month encourages you to start saving for retirement, planning for college expenses, or thinking about rebalancing your portfolio, we always encourage you to take a disciplined, evidence-based approach to your financial strategy—and reach out to your advisor for guidance and support.
Global equity markets delivered strong gains in August led by international developed markets, with the United States and emerging markets also advancing. Within the United States, all equity factors posted positive returns, especially small caps, while most sectors—except for technology and utilities—performed well. Fixed income markets responded to growing expectations of Federal Reserve cuts, which lowered short-term yields and steepened the yield curve. However, long-term yields remained elevated, driven by inflation pressures and increased debt supply, while tight corporate credit spreads reflected sustained investor risk appetite and a shift toward global fixed income for diversification.
Market sentiment in the United States was influenced by weaker labor data and moderate inflation, prompting speculation about more accommodative monetary policy. Globally, performance varied: Chinese equities led gains on the back of supportive policies and trade optimism, European markets rose modestly, despite French political strain, and United Kingdom markets lagged amid persistent inflation.
Articles of Interest
Diversification
Find out why diversification should be a key element of your ongoing risk management strategy.
This Retirement Plan Feature Offers Tax-Free Growth — But Only 18% Of Investors Use It
According to CNBC, many workers overlook Roth 401(k) contributions—despite tax-free growth and no required distributions—often due to defaults and lack of awareness.
Will the Magnificent 7 Stay on Top?
Before making an outsize bet on the Top 10 largest U.S. stocks, take a lesson from market history. Dimensional underscores how diversification can be a better way to benefit from tomorrow’s market leaders.
How Grandparents Can Help with Education Expenses
Before paying for your grandkids’ education, it’s important to consider how to help them without risking your own retirement. Kiplinger suggests thinking about these 10 things.
Best Places to Retire in 2025: Greenville and Other Surprisingly Affordable Gems
Forbes compared more than 950 locales in America on everything from housing costs and taxes to healthcare, air quality, crime and climate change and natural hazard risk. These are the top 25 cities for retirees.
Advisory services offered through KCPAG Financial Advisors LLC and insurance services offered through KCPAG Insurance Services LLC, subsidiaries of Kemper Capital Management LLC. Tax services offered through Kemper CPA Group LLP.
Symmetry Partners, LLC is an investment advisory firm registered with the Securities and Exchange Commission (SEC). The firm only transacts business in states where it is properly registered, excluded, or exempt from registration requirements. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the SEC.
No one should assume that future performance of any specific investment, investment strategy, product, or non-investment-related content made reference to directly or indirectly in this newsletter will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. You should not assume any discussion or information contained in this email serves as the receipt of, or as a substitute for, personalized investment advice. Symmetry does not provide tax or legal advice and nothing either stated or implied here should be inferred as providing such advice. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions.
Diversification seeks to improve performance by spreading your investment dollars into various asset classes to add balance to your portfolio. Using this methodology, however, does not guarantee a profit or protection from loss in a declining market. Past performance does not guarantee future results.
