Recent changes in tariff policies have led to significant volatility in global stock markets, prompting experts to provide financial planning advice for investors for the upcoming years. President Trump's tariff policies have raised concerns among investors about future market uncertainties, leading experts to recommend smart allocation of funds to find a reliable shelter.

According to a report by CNBC, experts highlight that continuously investing in stocks is a viable strategy, especially for investors who still have decades before retirement; they can typically ride out the short-term volatility. However, for those with short-term goals like buying a car or funding a wedding, more caution is advisable.

Christine Benz, a director at Morningstar, suggests that funds needed in the short term should not be placed in the stock market due to the risk of loss but should instead be kept in high-yield savings accounts, even though the interest might not keep pace with inflation.

Additionally, investors might consider money market funds or short-term bond funds, particularly those focused on U.S. Treasury bonds, which often provide returns slightly higher than savings accounts. For funds expected to be used in 3 to 5 years or even 10 years, it’s advisable to allocate assets through a mix of cash and short- to mid-term bonds.

Overall, as investment goals become clearer, investors should gradually adjust their portfolios to minimize risk from market fluctuations.