Our Views on the Markets and the Economy

2020: A Look Ahead

On Monday, November 25th we held our final event of the year at the spacious new headquarters of the British Olympic Association near London’s BT Tower – and close to Netwealth’s offices. Despite the miserable night, it was a full house. Visitors were keen to hear about how we can make a difference for them, how we invest and our thoughts about the economic and investment climate.

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This has been an election campaign focused on Brexit and plans for fiscal spending. We believe a hung Parliament would lead to limited new tax legislation being approved due to the divergence in policies across the major parties. So let’s consider some of the key tax categories and the potential impact if there is either a Conservative majority or left-of-centre coalition.

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It’s not uncommon for organisations to allow families to club together to earn generous discounts: consider the Network Railcard, National Trust family memberships and the multi-user options on streaming service Netflix. Yet those who want to save or invest as a family have been poorly served by the traditional wealth management industry.

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New investment ideas frequently gather traction. They saturate the media as industry chroniclers assess their merits and analyse their credentials. Yet while a ‘trendy’ investment can produce decent returns, are the rewards worth the risk?

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Inflation Update

UK inflation continues to decelerate. The latest data, released last week, showed the annual rate of consumer price inflation falling to 1.5% in the year to October, from 1.7% in September. The likelihood is that the annual rate will fall significantly further, based both on the analysis from the Bank of England’s latest Monetary Policy Report and the view of most economists, including ourselves.

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Various factors will typically be out of your control when you invest – such as market performance and volatility, inflation and your life expectancy – but focusing on four key things you can influence is a smart way of thinking about investing for the long term.

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Common Retirement Mistakes We See Again and Again

We all make mistakes with our money, and some of these errors can have lifelong consequences. Yet with a little forethought they can be preventable, and with a little initiative they can be fixed.

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Skin in the Game

Actions speak louder than words. We often observe the logical and emotional arguments companies and organisations make – but how they act is much more revealing.

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UK Update

Despite the political crisis that has engulfed the UK since the 2017 general election, the UK has not suffered an economic crisis. That being said, political uncertainty linked to Brexit, alongside the global slowdown, has weighed upon the economy. Now, with a general election set for December 12th, uncertainty about future policy may weigh in coming weeks upon both the economy and markets.

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Brexit – Keeping a Sense of Perspective

As Brexit divisiveness and uncertainty persists, it is only natural to be distracted by this contentious national debate. It is also not unusual to be concerned about your investments, but it’s important to put potential outcomes into perspective.

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