| Happy New Year! As 2025 begins, one old adage is more appropriate than ever: For the economy and markets, the only certain thing is change—and perhaps a lot of it. Much of the potential change will depend on policy from the incoming administration, and much uncertainty remains on that subject. How extensive will tariff policy be? What will the approach to geopolitical conflicts abroad look like? How will new economic policies impact inflation—and interest rates? In our free January 2025 Zacks Market Strategy Report1, we examine key questions for investors, such as whether the U.S. consumer will continue to spend, what’s ahead for rate cuts, the impacts of potential new tariffs, and more. | 
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