January 15, 2026
Investment Outlook
and Portfolio Strategy
 Q3 2026

Public Markets Outlook

Fixed Income Review

The US fixed income market generated modestly positive results at the end of 2025. After taking a nine-month hiatus, the Federal Reserve resumed rate cuts in the fourth quarter as officials perceived the downside risks to the labor market to be outweighing the upside risks to inflation.

Indeed, signs of labor market softness saw traders position for at least two more rate cuts in 2026. The policy-sensitive two-year treasury yield declined 13 basis points to 3.47% - while the ten-year yield was virtually unchanged at 4.17% as lingering inflation risks and a deteriorating fiscal backdrop placed a floor under longer-term bond yields. For the quarter, the Bloomberg US Aggregate Bond Index rose 1.1%.

The Federal Reserve faces a delicate balancing act in assessing the upside risks to inflation against the downside risks to growth. While the focus had previously been on the inflation side of the dual mandate, signs of a deteriorating labor market saw officials pivot their focus towards the downside risks to the economy and prompted three rate cuts in the final quarter of 2025. With the dual mandate in tension, the trajectory for rates will ultimately hinge on the data – predominately the state of the labor market, how tariffs pass through into prices, and the impact on long-term inflation expectations.

The Bank of Canada left the policy rate unchanged in December, with firm data setting the stage for a pause and stoking speculation for eventual rate hikes. With the economy appearing more resilient than previously thought, employment bouncing back, and inflation hovering near the top of the 1%-3% target range, Governor Macklem stated that rates are “at about the right level” to keep inflation close to 2% while supporting the economy.

The European Central Bank has been on hold since June 2025 and concluded the year with upward revisions to both the growth and inflation forecast. Officials have stated that policy is “in a good place” and indicates a stay-the-course stance. The Bank of England opted to cut interest rates in December as inflation showed further signs of subsiding. However, a tight vote has raised doubts about the pace of future easing, with Governor Bailey suggesting there’s “limited space” to cut further from here.

Investment Strategy

We maintain an underweight allocation to bonds. We expect yield curves to steepen in a bearish fashion, with longer-term yields pushing higher on the back of upside risks to the inflation outlook that may translate into a more hawkish central bank response than what markets are anticipating. Furthermore, a transition from monetary policy easing to fiscal expansion may prompt investors to require more compensation (higher term premium) – adding to the upside risk to longer-term bond yields. This leaves little in the way of upside for bond prices, in our view. Barring a recessionary outcome, the path of least resistance for bond yields (and prices) is likely higher (and lower) from here.

U.S. Fixed Income Market Returns 

  1. 3 Months
  2. 1 Year 

Source: Fiera Capital, as of December 31, 2025.
Returns shown are for illustrative purposes only and represent past performance of the indicated indices over the stated periods. Index performance does not reflect the deduction of fees or expenses and is not intended to represent the performance of any specific investment or strategy. Past performance is not a guarantee of future results. Inherent in any investment is the potential for loss.

Equity Review

Global equity markets extended their winning streak and ended 2025 at fresh highs thanks to optimism over economic growth, corporate earnings, and a looser monetary policy stance from the Federal Reserve. Moreover, enthusiasm around Artificial Intelligence and easing trade tensions were met with an upbeat response from investors and added to the flight into risky assets towards year-end.

In local currency terms, the MSCI All Country World rose 3.3% in the fourth quarter. Regionally, the S&P 500 rose 2.9%. While indeed breaching new highs, concerns over lofty tech valuations limited gains versus its global peers. Meanwhile, the MSCI EAFE advanced 4.9% – while the MSCI gauge of emerging market stocks gained 4.7% amid mounting demand for shares tied to AI.

After an impressive year in 2025, we expect macroeconomic momentum to subside in 2026. Still, tariff-related inflation is likely to limit the ability of central banks to come to the rescue at a time when the economy is in need of support – putting downward pressure on both equity valuations (the “P” in P/E) and corporate earnings (the “E” in P/E). That translates into a double-whammy to stock markets in the coming 12-18 months.

Furthermore, after an unrelenting stock market rally, the starting point for both valuations and earnings forecasts are among the highest in four decades. That may prove to be an obstacle to further equity gains from here – and particularly in the context of looming macroeconomic headwinds at hand. Investors will need to navigate a plethora of headlines around trade, geopolitics, and the trajectory for monetary policy.

On the latter, markets are pricing in multiple Federal Reserve rate cuts over the next 12-18 months – which has been a significant driver of equity market strength over the last year. Should those expectations prove elusive, stock markets would undoubtedly re-price lower in response. Meanwhile, the AI frenzy and market exuberance over the prospects for future profits have sent valuations tied to AI and related technologies towards dot-com terrain. Any potential disappointment on the earnings and/or capital spending front could spark a sizeable correction in these high-flying stocks.

Investment Strategy

With a majority of our economic scenarios pointing towards a negative outcome for stock markets, we maintain an underweight stance on equities over our tactical 12-18 month horizon. Risks to the baseline are tilted to the downside, with the prospect of a revival in the trade war and/or a bust in the AI-trade raising the risk of recession. Barring a profound, investment-led productivity boom that extends the bull market in stocks (less likely in our view), we expect equities to remain on the defensive.

Equity Market Returns

  1. 3 Months
  2. 1 Year 

Source: Fiera Capital, as of December 31, 2025.
Returns shown are for illustrative purposes only and represent past performance of the indicated indices over the stated periods. Index performance does not reflect the deduction of fees or expenses and is not intended to represent the performance of any specific investment or strategy. Past performance is not a guarantee of future results. Inherent in any investment is the potential for loss.