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Where stated, any investment performance figures referred to relate to past performance which is not a reliable indicator of future results and should not be the sole factor of consideration when selecting a product or strategy. The value of investments, and the income arising from them, can go down as well as up and is not guaranteed, which means that you may not get back what you invested. Unless indicated otherwise, performance figures are stated in British Pounds. Where performance figures are stated in other currencies, changes in exchange rates may also cause an investment to fluctuate in value.
Following the global financial crisis in 2008/9, the UK witnessed more than a decade of low interest rates and robust growth in house prices, but 2023 bucked this trend. To tackle double-digit inflation, the Bank of England (BoE) increased interest rates five times in 2023. However, after 14 consecutive increases, the Monetary Policy Committee (MPC) […]
Category: Financial Planning
The Clarion Investment Committee met on 9 November 2023. The following notes summarise the main points of consideration in the Investment Committee discussions but have been updated to include commentary on recent events and the wider implications for financial markets. Economic, Political and Business Snapshot Economics UK business activity unexpectedly grew, albeit marginally, in November […]
Category: Financial Planning
“Warren Buffett’s net worth is $84.5 billion. Of that, $84.2 billion was accumulated after his 50th birthday” – Quotation from The Psychology of Money Economic Update UK companies A recent Deloitte survey of UK chief financial officers found that levels of confidence rose in the third quarter and are now slightly above the […]
Category: Financial Planning
Between January 2020 and October 2023, the number of job vacancies in the UK rose by 156,000. As reported by the Office for National Statistics (ONS), this influx of employment opportunities could cause a problematic decrease in competition for job hunters. And, as a result, this could create greater recruiting challenges for businesses. What’s more, […]
Category: Business
2024 is right around the corner, and this can be the perfect time to think about some goals, ambitions, and resolutions for the year ahead. While healthy habits and new skills tend to be the more common choices for new year changes, financial resolutions should also be at the top of your list. Assessing your […]
Category: Lifestyle
On 22 November 2023, chancellor Jeremy Hunt delivered the Autumn Statement against a backdrop of a cost of living crisis and a looming general election. It’s been a challenging year with inflation dominating headlines. While inflation has fallen, it’s still higher than the Bank of England’s 2% target at 4.6% in the 12 months to […]
Category: Financial Planning
The Clarion Investment Committee met on the 19th October 2023. The following notes summarise the main points of consideration in the Investment Committee discussions but have been updated to include commentary on recent events and the wider implications for financial markets. Economic, Political and Business Snapshot Economics Yields on US 10-year treasuries reached 5% for […]
Category: Financial Planning, Investment management
Confucius, the great Chinese Philosopher, wrote this beautiful sentence back in 550 BC: “We have two lives; the second begins when we realise, we only have one”. Events in Israel and Gaza continue to dominate news flow. We live in an information age where news of horrors is immediately transmitted around the world. But […]
Category: Financial Planning
As a parent, grandparent, or guardian, it’s likely that ensuring the children in your life are given the very best start is incredibly important to you. With education being a crucial part of any child’s development, paying for your loved one to attend a private school may be something you are considering, or already doing. […]
Category: Community, Financial Planning