Portfolios prepared for diverse market conditions

It’s not an overstatement to say it has been a challenging start to the year for investors. Surging inflation, interest rate hikes, slowing growth and the conflict in Ukraine all make it a difficult environment to invest and feel reassured. But it should encourage you to know we have the experience and expertise to help guide your investments through difficult times.

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Where now for bonds?

There has been much commentary recently about falling bond prices, especially around coverage of US Treasury bonds. But what does this mean for investors who hold bonds and even for those who are not invested in this asset class?

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Key messages to consider around global growth

The world economy looks set to slow sharply this year, with technical recessions in the form of two successive negative quarters of growth likely in a host of countries, including the US, UK, and the major economies of western Europe such as Germany and France. Global growth could slow towards 3% (based on the International Monetary Fund’s measure), and while positive, growth rates on this measure of 3% are often low enough to be referred to as a global recession. This weakness will continue into 2023.

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Bank of England’s remit needs a fundamental rethink

The Bank of England reaches the milestone of a quarter-century of independence in early May. After some initial benefits, it is hard to claim that the experience has been an unbridled success. There are strong reasons this milestone should trigger a fundamental rethink of the Bank’s remit and governance.

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Economic update

The big picture has not fundamentally changed recently. Latest developments reinforce existing market expectations of slowing global growth, elevated inflation and tighter monetary policies in most countries.

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First quarter investment review

Russia’s invasion of Ukraine overshadowed all other issues during the quarter. Indicators of market volatility, which were already elevated, snapped higher as investors assessed the tragic humanitarian consequences as well as the wider economic implications for the European and global political order.

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When should you change your risk level?

When markets are volatile we may be tempted to think about changing the amount of risk we take. It’s not unusual to consider reducing risk when asset values are declining – but how active should we be in changing our risk level to cope with market events or economic news?

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Should we be concerned about investing now?

The conflict in Ukraine, global inflation and the attempts to control it are primary causes of worry now. But it’s unusual to have a period when there are no concerns whatsoever, so investors should plan for multiple scenarios and try to prepare portfolios which are resilient.

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What is ‘rotation’ in investing and why and when does it matter?

Recently there has been increasing commentary from financial media and market participants about the term ‘rotation’ – but what exactly is it and how can managing its effects benefit your investment portfolio?

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Property or pension in retirement? Maybe blending is the answer

The property vs pensions debate often runs hot, yet a sensible strategy when thinking about funding retirement may not be a case of one or the other – but a considered combination of the two. It is therefore worth exploring the pros and cons of both assets and how changing rules may affect your decisions, and your outcome.

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