As we roll into the final quarter of 2025, we’ve updated our portfolios to reflect the latest trends in global equity and bond markets. This month’s adjustments are guided, as always, by our commitment to long-term growth, risk management, and tax efficiency — especially for 401(k) investors looking to make smarter moves without overreacting to market noise.
🔍 What’s Changing This Month?
Each month, we review fund rankings and momentum indicators across U.S. and international mutual funds and ETFs, as well as fixed income. This month’s update includes a few strategic shifts:
- We removed a fund that was downgraded based on consistent underperformance.
- We added a new holding to better capture current market leadership — particularly in global growth areas.
- No changes were made to our bond strategies, which remain positioned for income and stability, with a mix of short- and intermediate-term exposure.
These adjustments are not frequent trades but thoughtful rebalances based on long-term signals. In retirement accounts like 401(k)s, minimizing unnecessary turnover is key to keeping things efficient and cost-effective.
🌍 What’s Going On in the Market?
The last few weeks have seen persistent volatility in both equity and bond markets. Investors continue to digest:
- Mixed signals from the Fed on rate cuts
- Resilient but slowing U.S. economic growth
- Renewed strength in large-cap tech stocks
- Lingering concerns over global demand and currency fluctuations
Despite these crosscurrents, the market remains resilient, and our portfolios are designed to lean into opportunity while managing downside risk.
💡 The BGH Approach: Dynamic, Disciplined, and Long-Term
At Blue Grasshopper, our model portfolios are designed to:
- Adapt to market leadership, based on momentum and fund quality
- Manage risk, using historical volatility and correlation data
- Avoid high-dividend or tax-inefficient funds in taxable accounts
- Hold positions at least 3–12 months, depending on account type
We favor ETFs for their transparency and low cost, but we also include actively managed funds when they bring unique value.
🔄 What Should You Do?
✅ If you’re a BGH user: your strategy has been automatically updated based on your goals and account type. We sent you an email. You can also just log in to see the latest fund lineup and consider rebalancing using our updated recommendations.
📩 Questions? Our team is here to help explain the changes and how they fit into your plan.
Stay consistent. Stay diversified. Stay in the game.
That’s the BGH way.
Guillaume Decalf
Founder & CEO, Blue Grasshopper