24/7 Wall St. Quick Read The SPDR S&P 500 ETF (SPY) returned 19% in 2025 despite sharp volatility from tariff announcements and crypto crashes. SPY captured full market upside without requiring active decisions. The S&P 500 dropped 12% after April tariff announcements but fully recovered by late June. Multiple record highs followed in the second half despite repeated shocks. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to real ...