23
Mar
2022
British chancellor, Rishi Sunak, walking along Downing Street

Everything you need to know about the 2022 spring statement

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23 Mar 2022
Against the backdrop of the continuing war in Ukraine, the chancellor has delivered his spring statement. The war has contributed to uncertainty in the global economy, with the Office for Budget Responsibility (OBR) saying that, “given the unfolding situation in Ukraine, there is unusually high uncertainty around the outlook”. Disruptions in global supply chains and the Ukraine war have led the OBR to revise downwards their forecast for growth over the next five years. The OBR now forecasts GDP to rise by 3.8% in 2022, down from its 6% growth forecast in last October’s economic and fiscal outlook. The OBR then forecasts growth of 1.8% in 2023, 2.1% in 2024, 1.8% in 2025, and 1.7% in 2026. Another current factor...
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22
Mar
2022
children standing by a grave

Why it’s crucial to have the awkward conversation about death

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22 Mar 2022
No one likes conversations about death, especially when the conversation is with your spouse or partner and the death in question is that of either of you. It’s a depressing subject that you’d rather not have to think about – even more so if you’re both healthy and a happy life together. But it’s something you do need to confront, and the sooner the better. That’s because death is no respecter of timescales or plans – it can happen at any time. Read on to find out more of my thoughts about the “awkward conversation”, why you need to have it, and why you’ll feel much better when you have. It’s hard to prepare for the death of your spouse...
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10
Mar
2022

The 4 crucial questions to answer before designing your financial plan

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10 Mar 2022
Planning your financial future inevitably involves a lot of questions. When we’re putting your plan together, I’ll ask you plenty – questions around your lifestyle, financial priorities, aims, attitude to investment risk, and no end of others. It’s a natural and healthy part of the process. Likewise, you’ll have plenty of questions for me. Many of these come early in the client-adviser relationship as you’ll unload a lot of the queries that you’ve accumulated during your financial journey to date. I always encourage this. Being challenged with questions is part and parcel of being a planner and helps to ensure the plans we put together for you accurately reflect your needs and aspirations. Answering each others’ questions will help us...
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28
Feb
2022
waves crashing against a lighthouse in a storm

3 tips to manage your concern in an uncertain time

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28 Feb 2022
Since the start of 2022, you’ve probably noticed that global markets – and perhaps the value of your pension or investments – have been a little uncertain. Over the last week or two, the ongoing situation in Ukraine has exacerbated this volatility. It’s natural to feel nervous or worried when national or global events have a direct influence on your wealth. In recent weeks, there has been an almost perfect storm of events that have conspired to unnerve markets around the world, including: The Russian invasion of Ukraine Rising inflation across the developed world Steep rises in the cost of energy for both domestic and business customers Ongoing Covid concerns Continuing global supply chain issues. Read on to find out...
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23
Feb
2022
men in a lifeboat

Blizzards, lifeboats, and what you should you do if there’s a big market downturn

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23 Feb 2022
The nature of investment markets means that values will rise and fall. Companies, nations, regions, and sectors will all have good times and tough times, and that will impact on share and fund prices. This fact of economic life means that investing is never a smooth journey. If your investment portfolio is suitably diversified, you’ll reduce the risk of a decline in a particular market having an overly negative impact on the value of your holdings. But sometimes there’s a cataclysmic event that affects all markets, not just particular countries or sectors. Read on for what you should do if this happens and there’s a significant investment market downturn. What would you do in a blizzard? Here’s a scenario that...
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18
Feb
2022
Man on station platform

“Mind the gap” – 7 reasons why the average investor underperforms the market

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18 Feb 2022
Every year, leading investment analysts Morningstar publish an important research report entitled “Mind the gap”. This compares the difference between the returns the average investor receives from investment funds and the actual performance of the same funds. According to the latest report, investors earned a 7.7% return over the 10 years ending on 31 December 2020. The actual funds they were investing in produced a 9.4% annual total return over the same period. Thus, investors suffered a 1.7% annual return shortfall, or “gap”, due to mistiming their investments into, and withdrawals from, the same funds. Similar research caried out by Dalbar, Inc , a company that studies investor behaviour and analyses market returns, shows that, for the 20 years ending on...
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About Me

My name is Adam Rideout, I am a financial planner and partner at Foster Denovo. Based in the City, I help professionals achieve their financial goals.

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