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markets & economy  |  april 10, 2025

Staying Steady in Uncertain Markets: 4 Strategies to Keep You on Track

In times of market uncertainty, staying focused on your long-term financial goals is key.

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      2:22

      Stuart Ritter, CFP®

      Insights Director

       

      Key Insights

      • Market downturns can be unsettling, but focusing on long-term investment strategies can help to weather volatility. Unless your financial situation has changed significantly, resist the urge to make major adjustments.

      • Market fluctuations can be a chance to rebalance your portfolio, reduce concentrated positions, or even convert traditional IRA assets to a Roth IRA for potential future tax advantages.

      • Sidelined cash could miss out on potential growth. Consider putting it to work in alignment with your long-term goals—especially during market dips that may offer buying opportunities.

      In times of market uncertainty—whether driven by inflation or global events like new tariffs—staying grounded and focused on your long-term financial goals is more important than ever. At T. Rowe Price, we understand that volatility can feel unsettling. But with the right strategies, you can stay on track and even uncover new opportunities.

      Hi, I’m Stuart Ritter, CERTIFIED FINANCIAL PLANNER™ professional, and here are four key strategies that can help your investment portfolio during these volatile times.

      First, don’t panic. Markets have historically been resilient over the long term, even after major events. Remember, your financial plan was designed with your unique goals and risk tolerance in mind. Unless there have been major changes to your financial situation, keep any adjustments small.

      And at T. Rowe Price, your investments are actively managed by professionals who are constantly seeking ways to manage risk and capitalize on short-term market volatility.

      Next, market volatility can create opportunities to rebalance. You might want to consider reducing your exposure to concentrated positions in your portfolio.

      Third, you may want to explore moving money from a traditional individual retirement account [IRA] to a Roth IRA. When the market drops, you can convert more shares for the same tax cost. And when the market rebounds, any future growth is tax-free.

      And, finally, put your cash to work. This could be a buying opportunity. However, make sure it aligns with your long-term goals.

      Near-term markets may continue to fluctuate, so hold tight and be patient. Staying committed to your long-term goals, backed by our expertise, can help you move through economic uncertainty with greater clarity and confidence. For additional guidance, contact a T. Rowe Price Financial Consultant.

      Important Information

      A qualified distribution from a Roth IRA is tax-free if taken at least 5 years after the year of your first Roth contribution AND you’ve reached age 59½, become totally disabled, or died or you meet the requirements for a first-time home purchase. If the distribution from your Roth IRA is not qualified, the earnings may be taxable. Additional taxes may apply for early withdrawals.  The views contained herein are those of the authors as of April 2025 and are subject to change without notice; these views may differ from those of other T. Rowe Price associates.

      This material is provided for general and educational purposes only and is not intended to provide legal, tax, or investment advice. This material does not provide recommendations concerning investments, investment strategies, or account types; it is not individualized to the needs of any specific investor and is not intended to suggest that any particular investment action is appropriate for you.  

      All investments involve risk, including possible loss of principal.

      View investment professional background on FINRA's BrokerCheck.  

      202504-4398478  

       

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