On Monday, major stock indexes — including the S&P 500, Nasdaq and FTSE 100 — posted strong gains, as investor confidence grew around potential upcoming interest rate cuts in both the UK¹ and US. 

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Softer-than-expected jobs growth data from the US added weight to expectations of cheaper borrowing on the horizon.² 

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Gold prices also extended their winning streak to a third consecutive session — driven by the same sentiment: growing belief that central banks could soon ease rates, along with renewed concerns over inflation.³

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Why does this matter?

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After a rocky market response to slower-than-expected US job growth data on Friday, along with more tariff news from President Trump, markets have shown once again that some of the strongest market days follow some of the most significant downturns.⁴ 

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For long-term investors, this kind of market movement is a useful reminder: staying invested often matters more than trying to time the market. Here’s why:

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• Markets move fast and the recovery can happen just as fast as the downturn — so staying the course means you won’t miss out on potential bounce-backs. 

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• Rate cuts can boost confidence as the cost of borrowing falls and investing becomes more attractive. 

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• Gold holding strong shows balance and could reflect growing optimism across the board. 

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• Consistency is key as investing regular amounts can help smooth out the ups and downs of the market.

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Start regular investing with Chip

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With Chip, we offer funds that track major market indexes — like the S&P 500, Nasdaq and FTSE 100 — so you can gain access to hundreds of companies in one investment fund. 

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Get started in minutes with a Stocks & Shares ISA, invest from £1, and manage everything directly in the app. Whether you’re starting small or building a larger portfolio, it’s a simple way to invest for the long term — without needing to pick individual stocks. 

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Head over to the ‘Invest’ tab in the app to explore and get started. 

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¹The Guardian ²WSJ ³Reuters ⁴CNN

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When investing, your capital is at risk.  The value of your investments can go down as well as up and you may get back less than your original investment.

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