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Stay the Course: A Mid-Year Look at Your Wealth Strategy
See how markets are shaping up mid-year, why your plan is built to endure, and 
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Mid-Year Checkpoint 2025
Navigating Your Financial Journey with Confidence
�� Market Pulse: Where We Stand Mid-Year
As we cross into the second half of 2025, markets continue to keep investors on their toes. Despite headlines of political uncertainty and shifting interest rate expectations, disciplined portfolios have delivered solid results so far.
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US equities (S&P 500) remain positive, up around +4.96% YTD, driven by resilient earnings and selective tech leadership.
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International developed markets (MSCI EAFE) have led global returns, up an impressive +20.14% YTD, supported by improving economic data and attractive valuations across Europe and Asia.
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Canada (TSX Composite) and emerging markets have posted mixed results, with selective opportunities tied to commodities and manufacturing trends.
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Global bonds have seen modest gains, reflecting a “higher for longer” interest rate environment.
�� Your Portfolio: Positioned for Opportunity
Many of you continue to benefit from:
✅ Global diversification, smoothing out returns across regions.
✅ Dividend & specialty income strategies, delivering reliable cash flows even in uncertain climates.
✅ Enhanced cash and premium yield solutions, outperforming traditional savings or GIC rates with added flexibility.
We’re closely monitoring allocations to ensure your investments are well-balanced — with enough growth to capture upside, and enough defensive strategies to keep you comfortable.
The Big Picture: Stay the Course
While the second half of the year could bring more volatility, remember:
�� Trying to time these moves rarely pays off.
Over the last 20 years, missing just the 10 best days would have reduced returns by over 40%. Staying invested remains the single best way to build lasting wealth.
�� Looking Ahead
We’re watching for opportunities tied to:
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Improving global supply chains
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Potential fiscal stimulus in key economies
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Continued resilience in corporate earnings
Your financial plan is built to weather shifts and capture growth where it appears.
✅ Let’s Review Together
If it’s been a while since we updated your goals or reviewed your risk profile, now is the perfect time to reconnect.
�� Book your mid-year review here
We’re here to ensure your plan stays aligned with your life — and to keep you moving confidently toward your long-term goals.
“Stay the course. Trust the process. Build lasting wealth.”
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✍️ Franco Caligiuri
Founder & Financial Advisor
WealthViser Private Wealth
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�� Weekly Market Update
For the week ended June 27, 2025
�� What happened last week?
Markets found fresh momentum as geopolitical tensions eased and oil prices pulled back. The TSX, S&P 500, and NASDAQ all reached new all-time highs. In fact, U.S. equity indexes jumped 3% to 4% last week alone. The TSX posted a more modest +0.75%, but continues to outperform on a year-to-date basis, now up 8% in 2025, ahead of American benchmarks.
���� Canadian Economy
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Inflation (CPI) rose 1.7% year-over-year in May, matching April’s pace, with smaller increases in rent and declines in travel tour prices offsetting other pressures.
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GDP slipped 0.1% in April, led by a 0.6% drop in goods-producing industries, especially manufacturing. Services edged up +0.1%, showing some resilience.
���� U.S. Economy
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GDP contracted at an annual rate of -0.5% in Q1 2025, down from +2.4% in Q4 2024, largely due to higher imports and reduced government spending.
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Personal income fell by $110 billion, and disposable income dropped $125 billion in May.
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The Fed’s preferred inflation gauge, Core PCE, rose 2.7% year-over-year, indicating inflation remains sticky.
At week’s end, President Trump suspended all trade and tariff negotiations with Canada in response to Canada’s retroactive 3% Digital Services Tax on large foreign e-commerce firms. This may add some new uncertainty to North American trade.
�� Looking ahead
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In Canada, a quiet data week features imports, exports, trade balance, and reserve assets, with markets closed for Canada Day on July 1.
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In the U.S., watch for construction spending, factory orders, jobs data, and multiple PMI reports that could further shape rate expectations.
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Globally, Japan’s consumer and housing data, plus Eurozone lending, unemployment, and inflation stats, will be in focus.
✅ How this ties to your portfolio:
Short-term headlines — whether trade tensions, inflation readings, or geopolitical shifts — will continue to drive weekly volatility. But your portfolio is positioned to navigate these fluctuations with diversified global exposure and a disciplined long-term strategy.
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Maximize Your TFSA (Tax-Free Savings Account) for 2025:
- Secure your financial future by strategically depositing $7,000 into your TFSA.
- Explore the potential for tax-free growth and flexibility in your investment choices.
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Boost Your RESP (Registered Education Savings Plan) and Maximize Government Grants:
- Invest in your child's education by maximizing your RESP deposits.
- Ensure you receive the maximum government grant support available.
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Tax Planning Strategies:
- Explore opportunities for tax optimization and secure your retirement.
- Connect with our financial experts for personalized guidance on your tax planning.
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