Warren Buffett on Market Volatility in 2025 — and 3 Ways You Can Take Advantage

Investing titan Warren Buffett has always been clear on how to invest during times of market volatility. And at the annual Berkshire Hathaway Shareholders Meeting earlier this year, he made his stance clear yet again.

“I know people have emotions, but you’ve got to check them at the door when you invest,” he said.

If you’re one of those people who get spooked by the ups and downs of the market, here are three money moves for keeping a clear head.

Use High-Yield Savings Accounts to Protect Cash and Earn Steady Returns

Whether you’ve got a healthy, growing savings account or are just starting to build, interest rates matter. And for the last several years, high-yield savings accounts have been spitting off significantly better yields than those offered by traditional banks.

Right now, SoFi is offering up to 4.30% for up to six months, and if you set up direct deposit, you may qualify for a sign-up bonus of up to $300. It’s one of the easiest ways to maximize your cash on hand.

Get started here.

Consider Gold as a Diversification Hedge, Not a Growth Engine

The price of gold has been breaking records this fall, and if you’re looking to jump in, a gold IRA could be a good point of entry. In Money’s analysis of the best gold IRAs earlier this year, we named American Hartford Gold as one of the best options around.

Get started here.

Utilize a HELOC Responsibly to Access Capital

If you’re a homeowner with built-up equity, a home equity line of credit (HELOC) is one option at your disposal. HELOCS are low-cost borrowing vehicles that can be used to pay off high interest debts or invest in low-risk, high-yield vehicles. Money recently named the HELOC from Figure as one of the best home equity loans on the market: To qualify, you’ll need a good credit score (640 minimum), so if that’s you, you’re good to start exploring. Also: approval doesn’t require this to happen in-person, and fixed rates start at 6.40% APR. This is a strategic decision, so think carefully before taking the plunge, and if necessary, talk to a financial advisor to make sure it fits with your long term goals.

Click here to get started with Figure.

Just Remember … Avoid the Hype Train

Remember that market hype and chatter may grab headlines, but they can derail your portfolio if you’re not careful. For the sake of your finances, learn to ignore the noise.

“The world is not going to adapt to you,” Buffett said. “You’re going to have to adapt to the world.”