The biggest risk to investments in 2026 (1 11 26)

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Nobody can predict exactly what will happen in 2026. But when a clear majority of market professionals point to the same risk, it’s worth a gut check.

Here’s what we’re covering in today’s Clark Smart Investing newsletter:

• The biggest risk to investments in 2026

• 4 Warren Buffett quotes every investor should live by

• It’s time to calculate your net worth

• Q&A: How can we increase retirement savings while ensuring we still have access to our capital if we face a career disruption or financial hardship?

• Smart money move of the week

💵 The Biggest Risk to Investments in 2026

The hottest trade of the past two years could become 2026’s biggest problem.

A recent global markets survey asked financial professionals to identify the biggest risks to market stability in the coming year. The result? A stunning 57% pointed to the same threat: the possibility that tech valuations could plunge as AI enthusiasm fades.

That’s more than double any other concern on the list.

In the full article, we reveal the top 10 biggest risks to market stability in 2026, why tech valuations have experts worried, and why you need to do an investment “gut check” today.

📚️ Recommended Reading

✅ Poll: What’s Your Take?

Every week, we'll ask a new question to get your take on the latest financial trends and topics.

Last Week’s Poll Results

We asked: “Which budgeting method are you using to stay on track this year?” Here’s how you answered:

• Traditional spreadsheet/pen-and-paper - (41%)

• Digital budgeting apps - (14%)

• Cash envelope system - (5%)

• I don't follow a strict budget - (40%)

💬 Ask an Advisor

In this recurring Q&A, we share questions that have been answered by Clark Howard or Wes Moss on the podcast. Submit your question today!

Joanna in Virginia asks: I’m 45, my husband is 50, and we are trying to figure out how best to manage our savings with completely hypothetical (but also totally plausible) potential job disruptions due to AI. We would like to increase our retirement savings but are concerned about not being able to access those funds if we hit some hard years. With extra savings, would it make more sense to start Roth IRAs or funnel more money towards our high yield savings?

Wes Moss says: The simple answer is that you need flexibility and access to your money. Since you are 45, you still have a long way to go before reaching traditional retirement age, but your husband is a bit closer. He can continue funding his 401(k) because he is only five years away from being able to potentially utilize the "Rule of 55" for earlier access. For you, "access" means prioritizing and maxing out your Roth IRAs; since your contributions can be withdrawn at any time, they serve as a powerful safety net. Whether the economy faces a major disruption or you experience a career transition, you can access those funds if needed. Conversely, if things go well and you don't need to touch the money, you benefit from 30 to 40 years of tax-free growth. This is why the Roth is such a smart move, alongside maintaining an after-tax account like high-yield savings for immediate liquidity. You already have $600,000 in your 401(k)s, so you are on an excellent track for your age; now it is just about ensuring you have the right access to your capital.

💸 Money Tip of the Week

☎️ Need Money Help?

The Team Clark Consumer Action Center is a free helpline that can help you navigate your money questions. Call 636-492-5275. Visit clark.com/cac for more information.

This information is provided to you as a resource for informational purposes only and is not to be viewed as investment advice or recommendations. Investing involves risk, including the possible loss of principal. There is no guarantee offered that investment return, yield, or performance will be achieved. This information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Any company names shown are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. The views and opinions expressed are for educational purposes only as of the date of production/writing and may change without notice at any time based on numerous factors, such as market or other conditions. Always consult your own legal, tax, or investment advisor before making any investment/tax/estate/financial planning considerations or decisions.

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