Investment Fund Performance
Q4 2025 UPDATE / January 06, 2026
Investment Update
Amid market rotation towards defensive sectors such as Healthcare and Utilities in the final months of the year, Q4 2025 maintained positive gains in returns for the Diversified Fund and Endowment Investment Fund with the following takeaways:
- Real GDP grew at an estimated annualized rate of 2.1% in Q4. While slower than the post-pandemic boom years, it indicated a resilient consumer base despite higherfor- longer interest rates.
- The labor market continued higher with a four-year high unemployment rate of 4.6% released in December.
- The Federal Reserve reduced their benchmark rate by 0.25% at consecutive meetings in October and December bringing the federal funds rate to a target range of 3.50%-3.75% by year-end.
- The S&P 500 reached new all-time highs in 2025 returning 17.9% to finish the year led by optimism for a loosening in Monetary Policy and continued consumer spending. The 10-year bond closed the year at 4.16% lower than a high of 4.77% seen earlier in the year.
U.S. stocks in the S&P 500 gained 2.7% for the quarter. Small-cap stocks in the Russell 2000 returned 2.2%. International developed stocks in the MSCI EAFE Index outperformed with gains of 4.9%. Bonds in the Bloomberg U.S. Aggregate Bond Index finished with gains of 1.1%
Benchmark performance will be available later this month once the Lipper Median returns are released.
| Dec. 31, 2025 Performance | |||
|---|---|---|---|
| FUND | QTR | 1-YR | 3-YR |
Diversified Fund | 2.1% | 14.5% | 12.9% |
Endowment Investment | 2.2% | 14.5% | 12.9% |
Fixed Income | 1.2% | 8.4% | 6.1% |
Fund Details – Q4 2025
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