As we closed out November, investors were rewarded for staying the course. After a mid-month pullback, the major market indexes rebounded to finish near record highs—marking the seventh straight monthly gain for the S&P 500. As we enter the final stretch of the year, the strength of the market offers both encouragement and important reminders for anyone working toward true financial independence.

At GenWealth, we believe smart investing isn’t driven by headlines—it’s driven by strategy. Let’s take a look at what’s shaping the market right now and what long-term investors should be thinking about as we move into 2026.

Why the Market Rebounded in November

Several key factors helped fuel the late-month rally:

• Growing confidence in future Federal Reserve rate cuts
• A resilient U.S. economy
• Strong corporate earnings
• Continued investment in artificial intelligence (AI)

Together, these trends boosted investor optimism and reinforced the idea that short-term volatility doesn’t change the importance of a disciplined, long-term investing plan.

What the Job Market and Consumer Spending Mean for the Economy

As December unfolds, the job market remains one of the most important indicators to watch. Job growth directly supports consumer spending—especially during the holiday season.

Looking ahead to early 2026, consumers may also see a boost from approximately $130 billion in projected annual tax relief under the One Big Beautiful Bill Act (OBBBA), scheduled to begin in February. These dollars could help support everyday spending and broader economic activity.

At the same time, affordability challenges remain real. The so-called “K-shaped economy” continues—where higher-income households benefit from rising asset values while many others feel ongoing financial pressure. Policymakers are now focusing more attention on housing and cost-of-living issues, which could shape the next phase of economic growth.

Corporate Earnings: A Powerful Signal of Strength

One of the most encouraging signals for long-term investors came from the recent earnings season:

• More than 82% of S&P 500 companies exceeded earnings expectations (LPL Financial)
• Corporate earnings grew by 13% (LPL Financial)
• Profit margins expanded despite higher costs (LPL Financial)
• 2026 earnings estimates have already been revised upward (LPL Financial)

This level of corporate resilience supports a key principle we emphasize at GenWealth: a well-diversified portfolio with appropriate equity exposure remains vital for long-term success.

What Investors Should Watch in 2026

As we look to the year ahead, several themes will likely influence market direction:

• Federal Reserve interest-rate policy
• Inflation and labor market data
• AI investment and regulation
• U.S. dollar trends
• Midterm elections
• Global geopolitical risks

While short-term uncertainty is inevitable, these factors reinforce why financial planning must be proactive, not reactive.

Why Diversification and Risk Management Still Matter

Market pullbacks and corrections are part of investing. In fact, we often remind clients that volatility is the “admission price” for long-term growth. Rather than fearing volatility, disciplined investors use it as an opportunity to rebalance, stay aligned with their strategy, and avoid emotional decision-making.

At GenWealth, we believe true financial independence is built on:

• Purpose-driven planning
• Proper diversification
• Ongoing risk management
• A long-term mindset

No matter what the markets bring in the months ahead, your strategy—not market noise—should determine your next move.

The Bottom Line

The market’s resilience heading into 2026 is encouraging, but lasting financial confidence comes from having a clear plan, not guessing what the market will do next. If you’re invested for the long term, staying disciplined, diversified, and purpose-driven remains the smartest strategy.

If you’re unsure whether your current investment strategy still aligns with your goals for retirement, legacy planning, and financial independence, that’s exactly where a personalized conversation can help.

Ready to Review Your Plan for 2026?

If you’d like help stress-testing your portfolio, reviewing your risk exposure, or building a strategy aligned with your long-term goals, the GenWealth team is here to serve you.

Call 866-653-PLAN or click here to schedule your complimentary introductory appointment.

This material is for general information and educational purposes only and is not intended to provide specific advice or recommendations for any individual. Investing involves risk including the loss of principal. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.​