We’ve been working with several young, successful, professional couples in their 30s in recent months. It’s very clear that they have worked hard to establish their careers and are enjoying the rewards of dual incomes. It’s a very exciting phase of life, with incredible opportunities to shape their financial futures, however, navigating financial priorities effectively requires planning and discipline.

Investors today are getting nervous… Markets remain volatile, we’ve seen another year of really strong returns particularly in the US, where the S&P 500 index grew by 25% in 2024, after also growing by 26% in 2023. This growth has been driven largely by “The Magnificent Seven” stocks, each of which are now showing extremely high price / earnings ratios. With US stocks now accounting for a large proportion of global indices, investors are understandably edgy.

When it comes to investment returns, the list of influencing factors is vast and varied. From economic conditions to market sentiment and interest rates, numerous external forces play a role. However, there are also factors within your control that can significantly shape your investment outcomes. We find that focusing on controllable elements, coupled with strategic guidance, can empower investors to navigate these complexities more effectively.

2025 is fast approaching, and as your head starts to fill with great intentions for the upcoming year, we’d like to take the opportunity to suggest a few great personal finance habits. If you can commit to these, you’ll really strengthen your financial situation over the coming 12 months.