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February Market Update: Fed Stance, A Strong January & Tariff Risks

Writer's picture: Certa Financial PlanningCerta Financial Planning

January was an eventful month, but the markets finished strong. Below is a summary of the market update for February. To see our full market update, please watch the video at the bottom of this email. 

 

Macro Stance:

  • Market trend remains positive.

    • The S&P 500 increased by over 2%

    • Expect resilience with volatility this year

  • Fed policy downgrade to neutral with the rate pause

    • The Fed has paused rate cuts, keeping rates at 4.25%–4.5%.

    • The Fed removed mentions of inflation progress, signaling a more cautious stance.

    • Two to three rate cuts are still expected in 2025, but timing is uncertain.

  • Fiscal policy remains positive

    • Fiscal policy remains positive, with the federal deficit estimated at 6.3% of GDP for 2025.

  • Leading economic indicators remain neutral

    • Job growth remains strong, with 256,000 jobs added in December (vs. 155,000 expected).

    • Inflation remains sticky but recently came in below expectations.

  • Valuations continue to be neutral

    • US market valuations around all-time highs

    • Earnings drive the US market forward.

Market Regime:

  • The market fluctuated between mixed and reflation but remains in the reflation quadrant.

  • This supports a "risk-on" environment, where inflation is rising alongside economic growth.

Business Cycle:

  • The cycle remains mixed between mid and late stages.

  • Recession risks are low, supported by strong wage growth.

  • Key risks: policy missteps related to tariffs and Fed rate management.

Key Questions We’re Monitoring:

  • What does a strong January mean for the rest of 2025?

  • Could tariffs derail market performance?

  • Should we all be cheering for the Chiefs?

Market Performance:

  • The S&P 500 had its best January since 2023.

  • A >2% return in January historically signals a strong year (average 18% annual return, positive 88% of the time).

  • Markets tend to trend; a strong January often leads to continued strength.

Tariffs & Market Impact:

  • Recent tariffs on Canada, China, and Mexico have introduced volatility.

  • Delays in implementation provide some temporary relief.

  • Historical precedent (2018) suggests tariffs can trigger short-term market declines but not necessarily long-term downturns.

Should We Cheer for the Chiefs?

  • Fun fact: Past Philly championships have preceded significant market events.

  • Luckily there have not been many major Philly wins in 100+ years!

Outlook:

  • The first year of a presidential cycle is typically volatile.

  • February tends to be the weakest month in post-election years, especially after mid-month.

  • We’ll continue to monitor conditions and adjust as needed.

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