Renowned Financial Expert: ‘This is Not the Time to Be Aggressive”

“I know many of you are afraid of what’s happening in the economy and the stock market,” says personal finance expert Suze Orman. “So here’s my take.”

“We are looking at another down day for the markets today. Why? Well, China has retaliated, and that’s got investors on edge. The markets are projected to go lower as a result.

Now, I know many of you are dollar-cost averaging—and that’s still okay—but please hear me on this: if you’re going to continue that strategy right now, do it with seriously tiny amounts. This is not the time to be aggressive.

We’re seeing signs that feel a lot like 2022. Volatile. Emotional. Uncertain. And yet… I want you to breathe. Markets will eventually recover. But not all at once. If these tariffs stay in place, it will take time. So remember: money you have in the market should have been money you did not need for at least five years. Let this play out.

If you are contributing to a retirement account, do not stop. Stay the course. Keep investing steadily. That consistency is your power.

Let’s talk about fear. The VIX—a measure of market volatility—just surpassed 45. That’s the highest it’s been since the spike in August. When the VIX is this high, it means fear is overwhelming logic. Historically, when sentiment is this fearful, it is not the time to sell.

Markets can bounce—even in the middle of a downtrend. So don’t react emotionally.

Now for some bright spots:

• Bond yields are collapsing. If you’ve got bonds, your portfolio may finally be back to even—or even showing gains.

• The 10-year Treasury is at 3.8%. That’s great news for mortgages.

• My favorite CD right now? Listen to me, Alliant's rates are not going to last in my opinion more than a week when 1-year treasuries are at 3.8% and 2 year treasuries are at 3.6%

You have to take advantage of the 12 to 17-month CD at myalliant .com at 4.25apr for amounts of $1000 -$74,999 and 4.30apr for $75,000 and up.

Seriously, for safe money, take advantage now. That rate is incredible—don’t miss it.

• The dollar is weak, and gold has soared to $3,150!

• And if you’ve been considering Roth conversions, maybe it’s time to start doing that slowly, a little bit at a time.

Also, WTI crude oil has dropped sharply below its long-term support near $65 per barrel. If this breakdown holds, it could head toward $45. That’s a major shift in oil.

As for the stock market—stay diversified. Now is not the time to bottom fish. Don’t get angry. Stay smart. This is when dividend-paying stocks can really help stabilize your portfolio. Companies like AT&T and Verizon have held up well.