Investor Insight - December

2018 has been a difficult year for investors across most asset classes, but we remain cautiously positive about the outlook for 2019. Read our latest market update and outlook for the year ahead.

Read more

Updated for 2018: Retirement planning guide

Financial wellbeing in retirement is important. Download our free guide designed to help you understand your options and start preparing for the retirement you want.

Access the guide

Updated: Inheritance Tax and estate planning guide

We have updated our free guide on IHT: the main exemptions, the reliefs, the importance of making a will and more.

Download the guide

Latest news


Save and invest for the long term

Why you should not let current global uncertainties affect your financial planning for the years ahead.

Half of all adults in the UK show signs of financial vulnerability, according to research just published by the Financial Conduct Authority[1]. But with so much uncertainty in the world – from political upheaval to economic and financial crises – how can savers and investors take control?

The answer, says Nancy Curtin, Chief Investment Officer at Close Brothers Asset Management, is to see the big picture. “Our job is to look at everything, because financial markets are interconnected and global. The challenge is to understand what matters - and what doesn’t,” she says.

Savers and investors need help to make sense of these turbulent times, adds Andy Cumming, Head of Advice at Close Brothers Asset Management. “A good financial adviser will act as your coach,” he says. “They’ll work with you to identify your financial goals, set a path for achieving them, and review the progress you’re making to ensure you stay on track.”

In practice, everyone’s goals are different. But by deciding on your long-term financial priorities – whether it’s funding your children’s education or saving enough to be able to retire early – you can avoid being blown off course by short-term events.

This is important. In the short term, events such as Brexit or the US election result will have an impact on the value of your savings and investments. But trying to second-guess that impact – or even attempting to make a bet on it – rarely pays off. Instead, savers and investors who focus on long-term horizons – at least five to 10 years – fare much better.

Sensible diversification – owning a mix of assets, including shares, bonds and alternative investment such as property – will help protect you over the long-term. When one area of your portfolio is struggling, another part may provide important protection.

It’s never too early or too late to start taking this considered and strategic approach. In fact, the FCA’s research shows two groups are particularly likely to be financially vulnerable: millennials just entering the workforce and older adults coming up to retirement. The imperative for both groups – and everyone else – is to confront these challenges now. By working with a trusted adviser and investing sensibly for the long-term, it’s possible to help overcome the uncertainty and build a portfolio that will aim to fulfil your ambitions.

The value of investments can fall as well as rise and you may get back less than you invested.

Get in touch today to start planning your future or to discuss your long-term financial priorities.

Understanding the financial lives of UK adults: Findings from the FCA’s Financial Lives Survey 2017, October 2017

*First seen in The Times, 18 November 2017.

Investment insights


Weekly Updates

We provide updates to help keep you informed on market movements.

Find out more
lamp in the city

Monthly outlook

Our monthly outlook looks at what we think will happen in the coming weeks.

Find out more
walking down stairs

Quarterly insight

Our quarterly insight is a round up of the trends in the market.

Find out more
market responses

Market responses

Our timely responses to the latest market happenings.

Find out more
Contact us
Please be aware, the value of investments can fall as well as rise and that past performance is not a reliable indicator of future results and you could get back less than invested. Click here to understand the risks associated with investing. Calls to any number may be recorded for training and monitoring purposes. This site uses Cookies.