Trump’s Tariff Shake‑Up and Your Money
When Trump first rolled out those tariffs, the ripple hit everything from global supply chains to the little “I’ll‑save‑for‑retirement” jars in our pockets. Suddenly, people were staring at their portfolios and pension pots like they’d just watched a bad horror movie.
A Pause, a Return, and a Tight Deadline
There was a 90‑day breathing space when USA‑import taxes were put on hold. But the clock is ticking down: the pause runs out on 1 August 2025, a day later than the initial 9 July deadline. Investors are being nudged to chat with advisers right now to decide the next steps.
How Hard‑Hit Have We All Been?
From the latest study by Charles Stanley Direct, the numbers paint a mixed picture:
- 48 % of DIY investors said their investments fell.
- Baby Boomers: 57 % (worse), Gen Z: 43 %, Millennials: 47 %, Gen X: 49 %.
- Those who get financial advice: 46 % report a drop.
- Those who don’t: 50 % report a drop.
- 32 % of DIY investors felt their pensions dwindled.
- Women (36 %) felt more concerned than men (29 %).
- One‑third (≈ 35 %) of Gen Z and Gen X or DIY investors noticed a pension hit.
- Males: 27 % anxious; Females: 33 % anxious.
- Minnellennials fear the most: 32 % worried.
On average, DIY investors think it will take about 5.8 months for finances to bounce back from the tariff shock.
What the Analyst Says
Rob Morgan, Chief Investment Analyst, Charles Stanley Direct:
“With tariffs paused again, investors get a grace period to fine‑tune their portfolios before those tariffs re‑emerge on 1 August. Still, the question is: can we seal as many deals as possible before that deadline? And will this reprieve be the last one?”
“The key takeaway? Stay cautious as August approaches. Diversify, stay informed, and be ready to act—whether that means selling, following the market wave, or snagging discounts. A slick response can dampen losses or even boost returns. But, of course, there’s always risk. So, get well‑informed and seek advice if you’re unsure.”
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