Stocks, Bonds, Gold, Crypto: Market Update 12/12/2025

SPY: S&P 500 logo
SPY
S&P 500

Here is a quick snapshot of how different asset classes moved yesterday, last week, and the last month.

  • Equity fell -1.1% yesterday and also dropped over the past week and month.
  • Bonds declined -0.3% yesterday and stayed under pressure during the last week and month.
  • Gold gained 0.6% yesterday and rose over the week and month as well.
  • Commodities dipped -0.8% yesterday, extending losses through the week and month.
  • Real Estate lost -0.1% yesterday, continuing weakness over the past week and month.
  • Bitcoin dropped -0.2% yesterday, with a 3.3% change last week and -9.2% for the month.

  ETF 1D 1W 1M
Equity SPY -1.1% -0.6% -0.2%
Bonds AGG -0.3% -0.2% -0.6%
Gold GLD 0.6% 2.3% 2.4%
Commodities DBC -0.8% -1.8% -0.5%
Real Estate VNQ -0.1% -0.5% -1.2%
Bitcoin BTCUSD -0.2% 3.3% -9.2%

Why does it matter?

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  • See where capital is flowing: Asset class performance reveals investor sentiment, from risk-on rallies to flight-to-safety moves.
  • Track shifts in correlation: Rising correlations reduce diversification benefits and increase portfolio risk during stress.
  • Spot early signs of rotation: Leadership changing across stocks, bonds, or commodities often precedes macro regime shifts.

Trefis works with Empirical Asset Management – a Boston area wealth manager – whose asset allocation strategies yielded positive returns during the 2008-09 period when the S&P lost more than 40%. Empirical has incorporated the Trefis HQ Portfolio in this asset allocation framework to provide clients better returns with less risk versus the benchmark index; less of a roller-coaster ride, as evident in HQ Portfolio performance metrics.

Capital Flow Patterns Have Governed Historical Risk-Return Profile

  ETF Return Volatility Sharpe
Equity SPY 14.4% 15.1% 77.5%
Bonds AGG 1.9% 5.1% -12.2%
Gold GLD 14.3% 14.3% 80.2%
Commodities DBC 5.8% 16.2% 22.8%
Real Estate VNQ 5.3% 17.7% 24.3%
Bitcoin BTCUSD 74.0% 76.5% 106.7%

Figures are on annualized basis, based on monthly return data for last 10 years

How Stable Is Correlation Between Different Asset Classes?

  Equity Bonds Gold Commodities Real Estate Bitcoin
Equity 11% | 20% | 12% 5.1% | 13% | 4.9% 35% | 24% | 34% 73% | 69% | 65% 25% | 38% | 41%
Bonds 11% | 20% | 12% 34% | 34% | 13% -0.2% | -2.6% | -10.0% 28% | 38% | 39% 11% | 7.2% | 0.2%
Gold 5.1% | 13% | 4.9% 34% | 34% | 13% 26% | 34% | 32% 13% | 19% | 14% 11% | 8.3% | 10%
Commodities 35% | 24% | 34% -0.2% | -2.6% | -10.0% 26% | 34% | 32% 24% | 15% | 19% 9.9% | 12% | 22%
Real Estate 73% | 69% | 65% 28% | 38% | 39% 13% | 19% | 14% 24% | 15% | 19% 17% | 25% | 23%
Bitcoin 25% | 38% | 41% 11% | 7.2% | 0.2% 11% | 8.3% | 10% 9.9% | 12% | 22% 17% | 25% | 23%

The figures above are correlations for last 10Y, 5Y and 1Y, in same order

Which Assets Have Seen Most Money Rotation During Market Crashes?

  ETF Inflation Shock Covid Pandemic 2018 Correction
Equity SPY -23.0% -30.4% -19.3%
Bonds AGG -14.1% -2.1% 1.4%
Gold GLD -7.7% -6.3% 5.0%
Commodities DBC 20.5% -23.7% -16.5%
Real Estate VNQ -29.8% -41.6% -11.1%
Bitcoin BTCUSD -56.0% -33.5% -37.4%

The table shows return of different asset classes during market crises – specifically during the period where S&P fell and bottomed

The Trefis High Quality (HQ) Portfolio, with a collection of 30 stocks, has a track record of comfortably outperforming its benchmark that includes all 3 – S&P 500, Russell, and S&P midcap. Why is that? As a group, HQ Portfolio stocks provided better returns with less risk versus the benchmark index; less of a roller-coaster ride, as evident in HQ Portfolio performance metrics.