Our Views on the Markets and the Economy

When Should You Change Your Risk Level?

When we think about investing it is useful to think about it in terms of risk – how much we should take, and how much can we afford to take to reach our goals. Therefore, it is relevant to ask, how actively should we change our risk level to respond to events or economic news?

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UK Outlook

The outlook for UK assets and markets is being driven by many factors, both global and domestic in nature. The most important immediate influence is global, the developing Covid-19 coronavirus.

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We often think about the future, but we often don’t do enough to ensure our future meets our expectations. This inaction is widespread, as our recent survey with YouGov reveals, and it has serious implications for those who hope to achieve their goals as they go through life.

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What is the likely economic and financial market impact following the outbreak of the coronavirus (or Covid-19) in China, and its global spread? Naturally, the main focus – as it should be – is on the health implications and containment of this contagious virus. Also, the better the health responses are in limiting the virus’s spread, the more short-lived it will be and the lower the economic cost.

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How to Move from Cash to Being Invested

If you have sold a business or property, inherited money, or accrued a pot over time you may be sitting on a reasonable sum of cash. You may hold that money in savings for varied reasons – preferring the implied safety, or you could be concerned about markets and haven’t found the right opportunity to invest or get back in.

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In addition to our core sterling denominated portfolios, we also run seven risk levels denominated in both euro and US dollars. These are usually held by clients who either see their domestic currency as something other than sterling, or who specifically prefer to diversify their exposure more clearly to international assets.

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Analysis of the BOE Interest Rate Decision

When it comes to forward guidance about the future direction of interest rates, or to making comments that might boost economic confidence, the Bank of England (BOE) leaves much to be desired. On Thursday the BOE’s Monetary Policy Committee (MPC) voted 7-2 to leave interest rates unchanged at 0.75%.

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Are You Following the Smart Money?

Where is the smart money going? There are many different views on ideal investment strategies but one way to cut through the clutter is to follow the trail. And increasingly, investors are bounding along the path towards passive money management.

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Being cautious is usually sensible, but being overcautious can come at a cost. This was evident in 2019 as many investors remained on the side-lines – a period when they could have benefited healthily from putting their money to work.

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Let's level up the UK economy. That's the aim. Increased infrastructure spending. More housing. Better transport links. A focus on poorly performing regions and northern cities. All combined with deregulation and a desire to cut taxes eventually.

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