October 12, 2025

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Good morning! In today’s issue, we’ll dive into all of the changes we’ve seen over the past week as well as what you can expect for the upcoming week.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

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A tough week on Wall Street. The Dow Jones fell nearly 2%, S&P 500 dropped 2.7%, and the Nasdaq tumbled 3.6% — marking one of the sharpest weekly declines of the quarter. The VIX surged 31%, showing a rapid shift into fear territory.
Tech stocks were the biggest drag: Apple (–3.5%), Amazon (–5%), NVIDIA (–4.9%), and Meta (–3.8%) all sank. Even AI darlings like CoreWeave and Palantir were hit hard, shedding over 5% apiece.
Defensives, however, showed some resilience: Coca-Cola and Costco both closed the week higher as investors sought stability in consumer staples.
Weekly Takeaway: With inflation data remaining stubborn and Treasury yields climbing, markets are recalibrating. Traders should expect choppy sessions as earnings season approaches — favoring quality, cash-rich companies with defensive moats.

Volatility returned in full force this week. Bitcoin started strong around $121K early in the week but closed sharply lower near $113K, down roughly 7% on the week. Ethereum mirrored the trend, sliding from $4,480 to $3,844 (–15%). The selloff accelerated late week as global equities fell, and traders fled risk assets.
Altcoins were hit even harder — BNB (–12%), XRP (–17%), and Cardano (–25%) all plunged. Stablecoins like USDT and USDC remained anchored, though trading volumes spiked across exchanges.
Still, it wasn’t all red: early-week optimism came from continued institutional inflows into Bitcoin ETFs, and long-term accumulation addresses grew, suggesting conviction among big players.
Weekly Takeaway: Crypto markets remain correlated with broader risk sentiment. Short-term pain, but accumulation patterns suggest whales are buying dips in preparation for a potential year-end rebound.

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The real estate market spent the week straddling uncertainty as rising Treasury yields and sticky inflation weighed on housing affordability. Mortgage rates remained near 8%, cooling homebuyer activity across most major metros. However, demand for multifamily rentals continued to rise, giving REITs in that segment modest momentum.
By midweek, homebuilder sentiment dipped, with several regional builders reporting project delays due to financing costs. Yet, commercial sectors like data centers and logistics properties remained resilient, benefiting from the ongoing AI infrastructure boom.
Weekly Takeaway: Investors are rotating away from traditional residential exposure toward industrial and specialty REITs. For individuals, focusing on regions with population inflows (Texas, Florida, Carolinas) may offer better long-term value.

The commodities complex was a tale of two trends this week. Precious metals gained, while energy sold off sharply.
Gold climbed back above $4,000/oz (+1%), and silver jumped 1.8%, both benefiting from safe-haven demand amid equity volatility. Platinum and palladium fluctuated but closed modestly lower for the week.
Energy markets faced the opposite fate: WTI crude fell 4.2%, Brent dropped 4.8%, and natural gas plunged 5%, pressured by weak global demand forecasts and a stronger dollar.
Weekly Takeaway: Investors rotated toward metals as a hedge against market turmoil. Gold remains a key volatility play, while oil’s weakness could present opportunities for contrarian buyers if prices approach long-term support near $58/barrel.

I hope you enjoyed today’s issue of The Wealth Wagon. If you have any questions regarding today’s issue or future issues feel free to reply to this email and we will get back to you as soon as possible. Come back tomorrow for another market update, and snapshot. I hope to see you. 🤙

— Ryan Rincon, CEO and Founder at The Wealth Wagon Inc.

_^Disclaimer: This newsletter is for informational and educational purposes only and reflects the opinions of its editors and contributors. The content provided, including but not limited to real estate tips, stock market insights, business marketing strategies, and startup advice, is shared for general guidance and does not constitute financial, investment, real estate, legal, or business advice. We do not guarantee the accuracy, completeness, or reliability of any information provided. Past performance is not indicative of future results. All investment, real estate, and business decisions involve inherent risks, and readers are encouraged to perform their own due diligence and consult with qualified professionals before taking any action. This newsletter does not establish a fiduciary, advisory, or professional relationship between the publishers and readers.