Market volatility: What you should know

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.