MARKET INSIGHTS

What’s powering the sentiment shift?

Money isn’t just money; it’s wrapped in layers of personal history, family dynamics, and life experiences. How you grew up with (or without) it, how it was discussed in your home, how you earned or inherited it — all shape your relationship with your finances.

Add to that common behavioral biases, such as loss aversion where we tend to feel losses much more than gains, and it’s easy to see how the current environment can make financial decisions tougher than usual.

So far, 2025 has put “sentiment” on full display, delivering the largest drop in consumer confidence in four years and driving investor sentiment to lows not seen since the “recession that never was” in 2023. The S&P 500 closed down -1.4% and the Nasdaq -4% for the month, reflecting the collective anxiety permeating markets.

So, let’s pause to unpack why the emotional aspect of investing doesn't mean surrendering to it or ignoring it altogether.

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DIVORCE WILL NEVER BE EASY, WE CAN HELP

Here at Ellevest, we’re on Team Be Prepared. Read our own Wealth Management Advisor Ashley Bleckner share the ways women can prep for divorce when wealth is involved.

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IS A FINANCIAL PLANNER WORTH IT?

... and how do you know when you need financial planning? These are all valid questions. Here are our honest answers.

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SPECIAL PROMOTION

Learn how you can save more at Betterment

We recently announced that Betterment, the largest independent digital investment advisor in the US, has acquired Ellevest’s automated investing business. If you’re curious about how Betterment can help you save more, they are offering a boosted rate of 4.5% APY (variable) for three months with a qualifying deposit in your first cash account.*

Additionally, Betterment offers a range of financial services that can help you plan for your financial future, including:

A curated selection of diversified, low-cost portfolios, built and managed by a team of experts
Traditional and Roth IRAs, plus retirement planning tools
Automated features, like portfolio rebalancing, recurring deposits, and dividend reinvestment
Tax-saving tools, like tax-loss harvesting and asset location

Learn more and sign up here** >

Press, news, and events

Women are reshaping the biggest wealth transfer in modern history. The Wall Street Journal
The Ellevest team hosts a live conversation each month where we discuss what's going on in the markets and answer your most pressing questions. Our next webinar is on Tuesday, March 18 at 3 PM ET / 12 PM PT, click to register!
Why there can’t be a one-size-fits-all approach to financial planning for all couples. NYSE TV
Building a budget? Paying off debt? Join us for a workshop on these topics to help support your goals.
Yelp data shows that in 2024, women-owned home services business openings — such as masonry, plumbing, and landscaping — reached all-time highs across several categories, with some even surpassing national averages.

DISCLOSURES

Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

*When you open your first Cash Reserve account you’ll get a special rate of 4.50% (variable) APY for three months with a qualifying deposit. Plus Cash Reserve at Betterment is FDIC insured through program banks, subject to certain conditions.

**Conditions apply. See offer terms. You must click the “Get Started” link on the Betterment webpage linked above to be enrolled in this promotion.

Paid non-client promotion. Ellevest is compensated based on assets transferred or deposited with Betterment, creating a financial incentive associated with endorsements and referrals.

Annual percentage yield (variable) is 4.00% as of 12/27/2024, plus a 0.50% boost (“APY Boost”) for new clients with a qualifying deposit. If the base APY changes, the Boosted APY will change. Cash Reserve offered by Betterment LLC and requires a Betterment Securities brokerage account. Betterment is not a bank. FDIC insurance provided by "Program Banks", subject to certain conditions. Learn more.

All opinions and views expressed by Ellevest are current as of the date of this writing, are for informational purposes only, and do not constitute or imply an endorsement of any third party’s products or services.

Information was obtained from third-party sources, which we believe to be reliable but are not guaranteed for accuracy or completeness.

The information provided should not be relied upon as investment advice or recommendations, does not constitute a solicitation to buy or sell securities, and should not be considered specific legal, investment, or tax advice.

The information provided does not take into account the specific objectives, financial situation, or particular needs of any specific person.

Investing entails risk, including the possible loss of principal, and past performance is not predictive of future results.

Ellevest, Inc. is a SEC registered investment adviser. Registration with the SEC does not imply a certain level of skill or training. Ellevest fees and additional information can be found at www.ellevest.com.

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