The Independent Advisors

The Independent Advisors


The Independent Advisors Podcast Episode 330: The High Cost of Sitting Out the Market

December 11, 2025

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Show Notes:


New Contribution Limits for Retirement Plans & Other Retirement Plan Changes for 2026

https://www.plancorp.com/blog/new-contribution-limits


330 Topics:

  • Impact of Top Market Days: Missing the 10 best market days since 1928 could lead to a 21% loss on gains.
  • Fed Interest Rates: Fed cut rates to 3.5%-3.75% with $40B monthly liquidity infusion to boost the economy.
  • Tech Sector Volatility: NASDAQ 100 has seen five down years since 1995, highlighting the need for diverse portfolios.
  • Wage Growth Trends: Wage growth normalizing at 3%-4%, aiding inflation control and reducing recession risk moving forward.
  • Retirement Contribution Limits: 401(k) contribution limits rise to $24,500 in 2026, with Roth options for high earners mandated.