Citi logo
Sign On to Citi Accounts
Citi Wealth
  • Featured
    • Weekly Market Update
    • Quarterly Market Update
    • Wealth Outlook
    • Overview
    • Investing
    • Retirement
    • Family & Money
    • Personal Finance
    • Trust & Estate
    • Insurance
    • Ways to Invest
    • Investment Products
      & Services
    • Financial Planning
  • Speak with a Financial Advisor
    Call: 1-877-693-4543
  • Speech or Hearing Impaired Customers Dial: 711
  • Locate an Advisor
  • Schedule an Appointment
  • Find ATM / Branch
  • Citi.com

Market Insights & Financial Education Site Map

Market Commentary

Market Snapshots

Market Reactions

Weekly Market Update

  • 06/2025:
    Gold shines after Israel attacks Iran
  • 06/2025:
    Data Resilience Despite Policy Instability
  • 06/2025:
    A Tale of Two Macro Narratives
  • 05/2025:
    Equities Rise in the Eye of the Tariff Storm
  • 05/2025:
    Trading the Trade Talks
  • 05/2025:
    Waiting Game
  • 04/2025:
    Solid Earnings Helps Market
  • 04/2025:
    Investors Seek Foreign Ports During US Trade Storm
  • 04/2025:
    Volatile Week for Markets
  • 04/2025:
    US Hikes Import Taxes Ten-Fold to Deglobalize
  • 03/2025:
    How Well Can the US Absorb Tariff Shock?
  • 03/2025:
    Stay the Course
  • 03/2025:
    Hitting the Tariff Button
  • 03/2025:
    The US Economy Slows in 1Q25
  • 03/2025:
    Tariff Time: Markets Quickly Repricing Growth, Will Assess Opportunities
  • 02/2025:
    Globalization Strikes Back
  • 02/2025:
    When the World Divides
  • 02/2025:
    Keeping Our Balance Amid Upheaval
  • 02/2025:
    US Trade Deficit, Market Cap Surplus… Is the World Ready for This?
  • 02/2025:
    Disrupting the Disruptors
  • 01/2025:
    U.S. Trade Deficit, Market Cap Surplus
  • 01/2025:
    The Strengthening Case of Income in a Portfolio
  • 01/2025:
    Looking Back to Assess “What Sort of Year This Will Be”
  • 12/2025:
    Great Year, Tough Week into Holidays
  • 12/2025:
    Opportunities, Risks for a “Rule-Breaking” Expansion
  • 12/2025:
    Rising US Expectations and “Reflexivity”
  • 12/2025:
    Navigating Tariffs and Deregulation
  • 11/2025:
    Start Broadening Investment Horizons
  • 11/2025:
    Post Election Rally Takes a Pause
  • 11/2025:
    Post US Election Update: Driving Faster vs Going Farther
  • 11/2025:
    Top Tech Takeaways – Companies Have to Spend Money to Make Money
  • 10/2025:
    Holding the Wheel Steady Ahead of US Election
  • 10/2025:
    Prepare to Make Volatility an Asset
  • 10/2025:
    More Growth, Less Easing
  • 10/2025:
    October’s Three Market Surprises
  • 09/2025:
    Which Markets Will Move? US Policies Matter
  • 09/2025:
    A Winning Week After Fed Rate Cut
  • 09/2025:
    Eyeing China’s Response to US Policy
  • 09/2025:
    Strategy for Uncertainty? Raise Quality
  • 09/2025:
    US Equities – Corporate Profits Already Hitting New Highs
  • 08/2025:
    Stocks Rally as Powell Signals Ease
  • 08/2025:
    Market Awaits Fed Remarks
  • 08/2025:
    “Leveraging” Volatility for Potential Gain
  • 08/2025:
    Fed Moving Closer to Rate Cuts
  • 07/2025:
    US Elections – Looking for Risks Hiding in Plain Sight
  • 07/2025:
    IT Disruptions and Biden Drops Out
  • 07/2025:
    Labor Market Slowing, Corporate Profits Growing
  • 07/2025:
    A Winning Holiday-Shortened Week
  • 07/2025:
    Don’t Lose Your Balance in the AI Frenzy
  • 06/2025:
    S&P 500 Reaches 5,500 Then Retreats
  • 06/2025:
    The US Federal Reserve That Doesn’t Stand Still
  • 06/2025:
    Stock Market Makes New Highs
  • 06/2025:
    Stocks Slip but Still Post Monthly Gains
  • 05/2025:
    The Blessing of Low Global Expectations
  • 05/2025:
    Climbing a Wall of Worry
  • 05/2025:
    Asked and Answered — Your Top of Mind Questions on Investments
  • 05/2025:
    US Interest Rates and the “New Normal”
  • 04/2025:
    Strategies to Overcome Equity Market Myopia
  • 04/2025:
    Being Ready for the Unexpected
  • 04/2025:
    Missiles, Drones, Inflation & Earnings
  • 04/2025:
    High Expectations Meet High Earnings
  • 04/2025:
    Stocks Advance with Jobs Report Next
  • 03/2025:
    US Stocks Make Another All-Time High
  • 03/2025:
    Renewed Interest in Renewable Energy
  • 03/2025:
    Healthcare: 2023’s Pain Is 2024’s Gain
  • 03/2025:
    Global Growth Gets Going
  • 02/2025:
    Necessary Elements for a China Turnaround
  • 02/2025:
    Debt and Consequences
  • 02/2025:
    S&P 500 Reaches 5K Milestone
  • 02/2025:
    Jobs Surge While Earnings Amalgamate
  • 01/2025:
    Big Micro and Big Macro This Week
  • 01/2025:
    Worries, Realities and the Red Sea
  • 01/2025:
    Having Missed the ’23 Rally, Healthcare Remains "On Sale"
  • 01/2025:
    S&P 500 Ends a Nine-Week Streak of Advances
  • 12/2025:
    The Fed and Broadening Portfolios in 2024
  • 12/2025:
    A Positive Glidepath for the US Economy
  • 12/2025:
    Wisdom for 2024: Answers to Your Questions
  • 11/2025:
    Why We Expect Equity Performance to Broaden Out in ‘24
  • 11/2025:
    Wise Investors Should Pay Close Attention to Falling Inflation
  • 11/2025:
    As Goes the Fed, So Goes the Dollar
  • 11/2025:
    Fed Tightening Looks Done
  • 10/2025:
    Trick or Treat?
  • 10/2025:
    Investing in Uncertain Times
  • 10/2025:
    Earnings, Data, & QA
  • 10/2025:
    The Argument for Selectivity in SMID
  • 10/2025:
    Sentiment Being Tested Even Without a Shutdown
  • 09/2025:
    The Value of Seeking Growth in Global Markets
  • 09/2025:
    Fed Expected to be on Hold
  • 09/2025:
    Why US Inflation Is Unlikely to be Like the 1970s
  • 09/2025:
    Jobs, Back-to-School, Banks
  • 08/2025:
    Fed to Proceed Cautiously
  • 08/2025:
    China’s Economic Distress and its Implications
  • 08/2025:
    Mixed Week on Wall Street
  • 08/2025:
    Reflections on a Rolling Recession
  • 07/2025:
    Underappreciated Good News
  • 07/2025:
    Looking Toward the Beginning of the Next Cycle
  • 07/2025:
    Less Inflation, Better Earnings, and a Bit of AI
  • 07/2025:
    Alternative Investing Through a Slowing Economy
  • 07/2025:
    A Surprisingly Strong 1st Half
  • 06/2025:
    Market Snaps Winning Streak
  • 06/2025:
    There Is No Perfect Time to Invest
  • 06/2025:
    Opportunities on the Horizon
  • 06/2025:
    Market Jumps on Jobs
  • 05/2025:
    Debt Deal & Observations
  • 05/2025:
    Stocks Eye Debt-Limit Talks
  • 05/2025:
    You Really Don’t Want to Hit the Debt Ceiling
  • 05/2025:
    Banking on Quality
  • 05/2025:
    Fed’s Last Stand
  • 04/2025:
    Seeking to Add Growth to Portfolios
  • 04/2025:
    The Investor’s Conundrum
  • 04/2025:
    Mixed Data for the Fed
  • 04/2025:
    Inflation, Jobs, and Banks
  • 03/2025:
    As Go the Banks, So Goes the Economy
  • 03/2025:
    Unintended Consequences
  • 03/2025:
    SVB Shakes Up Markets; Wakes Up Officials
  • 03/2025:
    Market Awaits Jobs, Powell
  • 02/2025:
    Active Bond Management in Less Liquid Markets
  • 02/2025:
    The Signals and the Noise
  • 02/2025:
    The Great Divergence: Opportunity Amid Uncertainty
  • 02/2025:
    Market Digests Fed, Jobs, and Earnings
  • 01/2025:
    Stocks Up, Earnings Down as Fed Meets
  • 01/2025:
    The Fed Isn’t Satisfied and the Market Isn’t Listening
  • 01/2025:
    Inflation Decelerates and China Reopens

Webcasts

Market Outlook

  • 12/2025:
    Wealth Outlook 2025
  • 06/2025:
    Mid-Year Outlook 2024
  • 12/2025:
    Wealth Outlook 2024
  • 06/2025:
    Mid-Year Outlook, June 2023
  • 06/2025:
    Watch Video: Mid-Year Outlook 2023
  • 06/2025:
    Video: OPEC's gift to energy producers
  • 06/2025:
    Video: AI is the next chapter of digitization
  • 06/2025:
    Video: Currencies seeking returns
  • 12/2025:
    Outlook 2023 — Roadmap to Recovery: Portfolios to Anticipate Opportunities
  • 06/2025:
    Mid-Year Outlook 2022 —
    Investing in the Afterglow of a Boom

Media

Financial Education

Family and Money

  • How Can Members Of A Multi-Generational Household Best Handle Expenses?
  • College Financial Aid: What is it and How Do You Get More?
  • Using Student Loans to Help Finance College
  • 529 Plan for Education – 4 Steps to Help Maximize Savings
  • Financially Preparing for a Baby: Diapers, Life Insurance and Education Savings
  • Money and Marriage: Tying the Financial Knot

Insurance & Long-Term Care

  • Elder Care: Good Planning Can Make All the Difference
  • Life Insurance: More Than Just Protection for Your Family
  • Getting a Life: Insurance in Case You Aren't Around
  • Learn About Medicare and Medigap

Investing

  • Staying Diversified Through Volatile Markets
  • Questions for Enhancing Portfolio Resilience
  • How to Counter the Effects of Inflation
  • Does Systematic Investing and Dollar Cost Averaging Make Sense for You?
  • Giving Your Money a Checkup: Has Your Portfolio Lost Its "Balance"?
  • Alternative Investments: An Array of Tools for Diversifying Your Portfolio
  • Introduction to Equities
  • Guided Investing with Citi Wealth Builder Plus
  • What is Margin Investing?
  • Introduction to Exchange-Traded Funds (ETFs)
  • 6 Steps to Building Your Portfolio
  • Mutual Fund Basics
  • Investing Basics: Taking on Risk — In the Hope of Earning Higher Returns
  • Investing Through Uncertain Markets
  • Exploring the Potential Effects of the End of US Interest Rate Hikes

Personal Finance

  • What About an Emergency Fund?
  • 2018 Tax Cuts and Jobs Act Provisions That Are Sunsetting After 2025
  • How to Help Reduce Your Taxes Using Tax-Loss Harvesting
  • Your 2024 Tax Planning
  • The Tax Triangle
  • Numbers You Need to Know: 2024 and 2025

Retirement

  • Approaching Retirement
  • 7 Ways You Might Think About Boosting Retirement Income & Maximizing Assets
  • How Can the Secure Act 2.0 Benefit You?
  • The Right Time to Collect Social Security
  • Comparison – Traditional vs. Roth IRAs
  • You Only Saved $100K for Retirement, Now What?

Trust & Estate

  • Trust Fundamentals
    At a Glance
  • Key Steps to Take After a Loved One Passes Away
  • Estate Planning: Beyond a Will
  • Special Needs Trusts: Help for Disabled Family Members
  • Change of Trustee Considerations
    At a Glance
  • Charitable Giving Can Benefit Tax and Estate Planning Strategies

Weekly Updates

  • Gold shines after Israel attacks Iran
  • Data Resilience Despite Policy Instability
  • A Tale of Two Macro Narratives
  • Equities Rise in the Eye of the Tariff Storm
  • Trading the Trade Talks
  • Waiting Game
  • Solid Earnings Helps Market
  • Investors Seek Foreign Ports During US Trade Storm
  • Volatile Week for Markets
  • US Hikes Import Taxes Ten-Fold to Deglobalize
  • How Well Can the US Absorb Tariff Shock?
  • Stay the Course
  • Hitting the Tariff Button
  • The US Economy Slows in 1Q25
  • Tariff Time: Markets Quickly Repricing Growth, Will Assess Opportunities
  • Globalization Strikes Back
  • When the World Divides
  • Keeping Our Balance Amid Upheaval
  • US Trade Deficit, Market Cap Surplus… Is the World Ready for This?
  • Disrupting the Disruptors
  • U.S. Trade Deficit, Market Cap Surplus
  • The Strengthening Case of Income in a Portfolio
  • Looking Back to Assess “What Sort of Year This Will Be”
  • Great Year, Tough Week into Holidays
  • Opportunities, Risks for a “Rule-Breaking” Expansion
  • Rising US Expectations and “Reflexivity”
  • Navigating Tariffs and Deregulation
  • Start Broadening Investment Horizons
  • Post Election Rally Takes a Pause
  • Post US Election Update: Driving Faster vs Going Farther
  • Top Tech Takeaways – Companies Have to Spend Money to Make Money
  • Holding the Wheel Steady Ahead of US Election
  • Prepare to Make Volatility an Asset
  • More Growth, Less Easing
  • October’s Three Market Surprises
  • Which Markets Will Move? US Policies Matter
  • A Winning Week After Fed Rate Cut
  • Eyeing China’s Response to US Policy
  • Strategy for Uncertainty? Raise Quality
  • US Equities – Corporate Profits Already Hitting New Highs
  • Stocks Rally as Powell Signals Ease
  • Market Awaits Fed Remarks
  • “Leveraging” Volatility for Potential Gain
  • Fed Moving Closer to Rate Cuts
  • US Elections – Looking for Risks Hiding in Plain Sight
  • IT Disruptions and Biden Drops Out
  • Labor Market Slowing, Corporate Profits Growing
  • A Winning Holiday-Shortened Week
  • Don’t Lose Your Balance in the AI Frenzy
  • S&P 500 Reaches 5,500 Then Retreats
  • The US Federal Reserve That Doesn’t Stand Still
  • Stock Market Makes New Highs
  • Stocks Slip but Still Post Monthly Gains
  • The Blessing of Low Global Expectations
  • Climbing a Wall of Worry
  • Asked and Answered — Your Top of Mind Questions on Investments
  • US Interest Rates and the “New Normal”
  • Strategies to Overcome Equity Market Myopia
  • Being Ready for the Unexpected
  • Missiles, Drones, Inflation & Earnings
  • High Expectations Meet High Earnings
  • Stocks Advance with Jobs Report Next
  • US Stocks Make Another All-Time High
  • Renewed Interest in Renewable Energy
  • Healthcare: 2023’s Pain Is 2024’s Gain
  • Global Growth Gets Going
  • Necessary Elements for a China Turnaround
  • Debt and Consequences
  • S&P 500 Reaches 5K Milestone
  • Jobs Surge While Earnings Amalgamate
  • Big Micro and Big Macro This Week
  • Worries, Realities and the Red Sea
  • Having Missed the ’23 Rally, Healthcare Remains "On Sale"
  • S&P 500 Ends a Nine-Week Streak of Advances
  • The Fed and Broadening Portfolios in 2024
  • A Positive Glidepath for the US Economy
  • Wisdom for 2024: Answers to Your Questions
  • Why We Expect Equity Performance to Broaden Out in ‘24
  • Wise Investors Should Pay Close Attention to Falling Inflation
  • As Goes the Fed, So Goes the Dollar
  • Fed Tightening Looks Done
  • Trick or Treat?
  • Investing in Uncertain Times
  • Earnings, Data, & QA
  • The Argument for Selectivity in SMID
  • Sentiment Being Tested Even Without a Shutdown
  • The Value of Seeking Growth in Global Markets
  • Fed Expected to be on Hold
  • Why US Inflation Is Unlikely to be Like the 1970s
  • Jobs, Back-to-School, Banks
  • Fed to Proceed Cautiously
  • China’s Economic Distress and its Implications
  • Mixed Week on Wall Street
  • Reflections on a Rolling Recession
  • Underappreciated Good News
  • Looking Toward the Beginning of the Next Cycle
  • Less Inflation, Better Earnings, and a Bit of AI
  • Alternative Investing Through a Slowing Economy
  • A Surprisingly Strong 1st Half
  • Market Snaps Winning Streak
  • There Is No Perfect Time to Invest
  • Opportunities on the Horizon
  • Market Jumps on Jobs
  • Debt Deal & Observations
  • Stocks Eye Debt-Limit Talks
  • You Really Don’t Want to Hit the Debt Ceiling
  • Banking on Quality
  • Fed’s Last Stand
  • Seeking to Add Growth to Portfolios
  • The Investor’s Conundrum
  • Mixed Data for the Fed
  • Inflation, Jobs, and Banks
  • As Go the Banks, So Goes the Economy
  • Unintended Consequences
  • SVB Shakes Up Markets; Wakes Up Officials
  • Market Awaits Jobs, Powell
  • Active Bond Management in Less Liquid Markets
  • The Signals and the Noise
  • The Great Divergence: Opportunity Amid Uncertainty
  • Market Digests Fed, Jobs, and Earnings
  • Stocks Up, Earnings Down as Fed Meets
  • The Fed Isn’t Satisfied and the Market Isn’t Listening
  • Inflation Decelerates and China Reopens

Wharton Knowledge

  • Market
    Commentary
  • Financial
    Guidance
  • Weekly
    Updates
  • Wharton
    Knowledge
INVESTMENT AND INSURANCE PRODUCTS: NOT FDIC INSURED • NOT A BANK DEPOSIT • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE

Important Information for You to Know About Our Business and Relationship With You

We are required to deliver two important disclosure documents about our business and relationship with you:

  • Form Client Relationship Summary ("Form CRS") is a brief summary of the brokerage and advisory services we offer.
  • Regulation Best Interest Disclosure Statement and Related Information for Retirement Accounts is a more detailed description of the brokerage services we offer and our obligations under Regulation Best Interest when we make recommendations to you as your broker-dealer.

Please review both of these important documents online at http://www.citi.com/investorinfo/. If you prefer paper copies, please contact your advisor or call us at 1-877-693-4543 | TTY: We accept 711 or other Relay Service.

Put Financial Plan content in here

Citi logo
Important Information

The Market Insights commentary should not be considered a recommendation or research report. Nor should it be considered a solicitation, advice or a recommendation with respect to any investment strategy, asset allocation or particular investment. The Market Insights commentary is not intended to constitute “research,” as that term is defined by applicable regulations. The views expressed herein are those of the author and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security.

The market and planning commentary on this site may discuss topics that are timely to current events at the time they were written or filmed. The relevance of such topics may change at future dates.

Investments are subject to market fluctuation, investment risk, and possible loss of principal.

Diversification and asset allocation do not protect against loss or guarantee a profit. Past performance is no guarantee of future results.

Please consult your Financial Advisor before making any investment decisions.

Citigroup Inc. and its affiliates do not provide tax or legal advice.

The information set forth was obtained from sources believed to be reliable, but we do not guarantee its accuracy or completeness.

The products and services mentioned in this communication are not offered to individuals’ resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican and The Isle of Man. Your eligibility for a particular product and service is subject to a final determination by us. This communication is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.

Citi Personal Wealth Management is a business of Citigroup Inc., which offers investment products through Citigroup Global Markets Inc. (“CGMI”), member SIPC. Insurance products are offered through Citigroup Life Agency LLC (“CLA”). In California, CLA does business as Citigroup Life Agency LLC (license number OG56746). CGMI, CLA and Citibank, N.A. are affiliated companies under the common control of Citigroup Inc.

©2025 Citigroup Inc. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.

Privacy | Notice at Collection | Do Not Sell or Share My Personal Information