Portfolio Returns for July 2025

I felt it would be good to track the returns regularly since they fluctuate frequently depending on the stock market.

Here are the movements for this month. There is an upward tick across almost all my portfolios. Huge jump for cryptocurrency. Too bad never buy more 😛

For the Robo-Advisors, also upward trend across all my portfolios.

                                            

Additionally, I think it will be interesting to see the breakdown of my portfolios in percentages (below). 

The stock market over the past 30 days has been influenced by a combination of macroeconomic, geopolitical, and sector-specific factors:

Tariffs and Trade Tensions: Anticipation of new U.S. tariffs set for an early August deadline has created an overhang, leading investors into a "wait-and-see" mode. The impact has caused sector-level volatility, particularly affecting industries exposed to international trade, yet the broader market has remained resilient as details and retaliation risk are still being evaluated.


Macroeconomic Data: Recent data releases, including inflation figures and retail sales, have generally met or exceeded expectations. June's inflation (CPI) came in at 2.7% year-over-year, slightly above estimates, but not high enough to alarm markets. Retail sales for the same period also surpassed forecasts, supporting the narrative of robust consumer demand even as underlying details suggest shifting spending patterns. This positive economic data has buoyed market sentiment and driven indices like the S&P 500 and Nasdaq to fresh all-time highs.


Federal Reserve Policy: The market expects the Federal Reserve to hold rates steady in the near term, with potential for one or two rate cuts before year-end if inflation moderates or economic growth weakens. Continued uncertainty around Fed timing and messaging has contributed to short-term volatility, while the prospect of lower rates is generally seen as supportive for equities in the medium term.


Geopolitical Risks: Tensions in the Middle East, particularly following U.S. airstrikes on Iranian facilities, have introduced headline risk and stoked fears of broader conflict, impacting risk appetite and adding to volatility. So far, equity markets have demonstrated resilience, but the situation remains fluid and could still be a source of sudden market moves.


Corporate Earnings: The Q2 earnings season is ongoing, with most companies so far beating expectations. This has provided an additional catalyst for market gains, particularly in sectors like technology, which has led the recent rally after a correction earlier in the year. 

Onwards!