Insight articles page

Investing insights

Keeping up to date with financial market and industry news can be difficult. To help you make sense of it all, our research team produce regular articles on current affairs and other topics that may interest you as an investor. You can read our latest articles here.


Three income ideas for your ISA or SIPP 05 Mar 21 Adrian Lowcock Last year saw a huge disruption in the income from many investments as companies rapidly cut dividends and the interest rates on cash continued to languish. After more than a decade, interest rates are still languishing at very low levels and we think they are unlikely to rise much in the short term. Subscribe

Is the bond bull market over? 05 Mar 21 Sam Shaw Bond markets were spooked recently as vaccine-led euphoria fuelled hopes that a full economic recovery was on the horizon and an enormous US stimulus package may be unnecessary. Inflation expectations shot up, in turn pushing down bond prices while driving up yields to their highest levels since the start of the pandemic. Subscribe

2021 Budget round-up 01 Mar 21 Adrian Lowcock Chancellor of the Exchequer, Rishi Sunak, delivered his 2nd budget today, March 3 2021, and below we highlight some of the key points. Unsurprisingly, Sunak focused on measures to tackle the impact of the global pandemic both on people’s jobs and the country’s finances. Sunak’s budget focused on an investment-led recovery. Subscribe

Spring into action 26 Feb 21 Sam Shaw We know there is still a while to go before the end of the tax year but why leave things until the last minute? In taking a closer look at your portfolio now, it gives you a little more time to carry out your research and we have plenty of information and guides to help support you in your decision-making. Subscribe

Who said size doesn’t matter? 19 Feb 21 Sam Shaw Smaller companies are often overlooked especially in the current climate when economic uncertainty dominates and there seems no end to how larger the biggest companies can get. However, as we enter the next phase of the economic cycle we revisit the why it can be worth looking at small caps. Subscribe

China - Steadfast, Strong and reliable. Can it continue to grow in 2021? 12 Feb 21 Edward Johnson The Chinese economy has been growing over the past 20 years and is now second only to the US in terms of size. It has also been a major investment theme for many years, but after a strong rebound 2020 we look at whether there are still opportunities for investors? Subscribe

What are cryptocurrencies and should investors really consider them? 05 Feb 21 Sam Shaw Towards the end of 2020 and at the start of this year excitement once more grew around Bitcoin and as the price soared the cryptic technology attracted more interest. We look at what cryptocurrencies are and what the risks are with these largely unregulated investments. Subscribe

Looking up for income 29 Jan 21 Sam Shaw Dividends are an important aspect of investing, particularly, in the UK. Many investors rely on them to provide an income in retirement, whilst others have benefitted from the compounding effect of reinvesting them. 2020 was a challenging year as dividends were quickly cut. However, we think things will recovery and this has been a reset. Subscribe

What is the outlook for the US under a Biden Presidency? 22 Jan 21 Sam Shaw This week saw the inauguration of Joe Biden as the 46th President of the United States. As the leader of the Democrats entering the White House amid a global crisis, he has his work cut out. We look at his policies and the opportunities under a Biden Presidency. Subscribe

Give your finances a detox in January 08 Jan 21 Sam Shaw Looking after your finances is one of those tasks many of us put off until they have more time, but as the UK entered its third lockdown making sure our money is working as hard as possible for us has taken on even greater importance for many. Use this month to get your finances into shape. Subscribe

Should investors invest in the UK as Brexit deadline looms? 18 Dec 20 Sam Shaw Brexit has dominated the UK and the performance of its stock markets for nearly half a decade but we are at the end of that long process and in a few weeks’ time the UK will have officially left the EU. Whilst it would have been nice to know whether we leave with a trade deal or not, we look at the reasons why the UK could be an attractive investment opportunity in 2021 irrespective of the outcome. Subscribe

Is Santa going to visit the markets this year? 11 Dec 20 Sam Shaw We are pleased to introduce you to Sam Shaw, an experienced writer, editor and presenter who has dedicated her career to writing on investment matters. Sam will be providing regular insights on the topics that matter to investors today. Please do let us know what you think of our insights as your feedback can help us make improvements. This week Sam is looking at the Santa Rally. Will it turn up this year and what should investors do about it? Subscribe

2020 – What happens when a Black Swan hits markets? 08 Dec 20 Adrian Lowcock As the year reaches a close we look at how the events of 2020 have affected stock markets and investors. Whilst it has been a difficult and turbulent year for many people the surprise is how well stock markets held up in 2020. Subscribe

Lessons learnt from a career in investing 04 Dec 20 Liz Rees This is my final weekly article before I retire from Willis Owen so I thought I would use the opportunity to look back and reflect what I have learned from 37 years in the investment industry. It’s been an interesting journey and I have enjoyed sharing my thoughts and reading your feedback. Subscribe

Five investment risks and how to deal with them 01 Dec 20 Liz Rees Risk is part and parcel of investing but there are some risks to your investments that it is possible to prepare for. We highlight the more common ones to be aware of and suggest how you might address them. Subscribe

What is thematic investing and why does it matter? 27 Nov 20 Liz Rees Thematic investing aims to identify ‘big picture’ trends and companies that stand to benefit from them. It has come to the fore this year as a number of themes have accelerated during the pandemic. We look at the approach and how it might be of benefit to you. Subscribe

Five tips to protect your savings and investments from rises in Capital Gains Tax 24 Nov 20 Adrian Lowcock The 2020 pandemic and resultant lockdowns have caused significant personal distress for millions, but now several vaccines are in the process of being approved the focus will shift towards the task of rebuilding the economy and paying for the huge costs built up during the crisis. Raising Capital Gains Tax has been one suggestion. Subscribe

Will a vaccine revive UK equities? 20 Nov 20 Liz Rees The news of successful trial results for covid vaccines has sent stock markets soaring. After a long period in the doldrums, UK equities shone as investors sought companies best placed to benefit from a pickup in economic growth. Could this be the catalyst needed for a rerating of the unloved UK stock market? Subscribe

What does a second lockdown mean for your savings? 17 Nov 20 Adrian Lowcock The first lockdown resulted in more of us becoming savers. With most of the shops, restaurants and pubs shut until December it looks like the second lockdown could help boost many people’s bank balances further. We consider the outlook for interest rates and how to make the most of your savings. Subscribe

Five ways to protect your portfolio from inflation 13 Nov 20 Liz Rees There is a growing expectation that inflation may start to pick up as extensive fiscal stimulus is launched to restore growth after the pandemic. Beating inflation, we believe, should be a long-term objective for most investors. Whilst moderate levels of inflation are not necessarily a bad thing, some investments are better placed than others to benefit from its return. Subscribe

Let’s talk about money 10 Nov 20 Liz Rees This week is Talk Money Week, an initiative from the government’s Money & Pensions Service (MAPS) to encourage open conversations about money. The British are notoriously reserved when it comes to talking about money, so we consider why it could help your finances. Subscribe

Fund in focus: Stewart Investors Worldwide Sustainability fund 05 Nov 20 Liz Rees As concern grows about the harm being done to the planet, applying sustainability principles to investing, as well as consumer behaviour, is garnering a lot of attention. This week we review Stewart Investors Worldwide Sustainability fund, managed by a team with a long history in sustainable investing. Subscribe

The US Election – what next? 05 Nov 20 Liz Rees The result of the 2020 US Presidential election has been closer than the polls had been forecasting. What does this mean for markets and what happens next? Subscribe

Starting investing early can make a big difference 03 Nov 20 Liz Rees Many people assume that investing requires great intelligence or exceptional skill; however, the reality of it is much more mundane. Time is one of the most important factors when it comes to investing. This week Junior ISAs celebrate their 8^th Birthday so we look at how starting to invest early might make a big difference for your children or grandchildren. Subscribe

Is it time to consider investing in Europe again? 30 Oct 20 Liz Rees Europe has a population of around 750m, nearly 10% of the world’s population, so offers a substantial market opportunity for companies with the right products and services. Data from Morningstar shows that investment in actively managed European funds has started to pick up so we look at the prospects for this diverse region and ask if there is a genuine catalyst for change. Subscribe

Invesco UK Equity Income Fund (UK) Q3 2020 review 29 Oct 20 Guest This article outlines the economic background and explains how this has affected the performance of the Fund. Examples of the main contributors and detractors to returns are highlighted. Finally, the strategy is recapped and the outlook considered. Subscribe

Invesco UK Equity High Income Fund (UK) Q3 2020 review 29 Oct 20 Guest This article outlines the economic background and explains how this has affected the performance of the Fund. Examples of the main contributors and detractors to returns are highlighted. Finally, the strategy is recapped and the outlook considered. Subscribe

Invesco European Equity Fund (UK) Q3 2020 review 29 Oct 20 Guest This article outlines the economic background and explains how this has affected the performance of the Fund. Examples of the main contributors and detractors to returns are highlighted. Finally, the strategy is recapped and the outlook considered. Subscribe

Will 2021 be a better year for UK dividends? 27 Oct 20 Liz Rees It has been a difficult year for investors who rely on dividends from British companies but there are some signs the worst may be over. We look at the latest trends and ask if the setback is a temporary response to the Covid shock or whether investors must learn to live with lower yields. Subscribe

How to give your investments a sustainable advantage 23 Oct 20 Liz Rees Giving your portfolio a better chance to outperform should warrant a closer look. Strong returns from many funds which have environmental, social and governance (ESG) policies means they are being taken more seriously than ever. At the start of Good Money Week, an annual campaign to promote sustainable, responsible and ethical investing, we look at why it may be worth including them in your portfolio. Subscribe

It's good money week! 23 Oct 20 Good Money Week (24-30 October) is an annual campaign to promote sustainable, responsible and ethical investing and is now in its 13th year. Strong performance from many funds which adopt Environmental, Social and Governance (ESG) principles, means that they are being taken more seriously. We share some interesting statistics. Subscribe

How to protect your portfolio from the cost of Covid 20 Oct 20 Liz Rees Chancellor Rishi Sunak has been praised for his efforts to support the UK economy during the pandemic. However, he will eventually have to find ways to finance this largesse. We look at how you might be affected and suggest steps to preserve your assets. Subscribe

The outlook for stock markets: navigating the headwinds 16 Oct 20 Liz Rees In the final quarter of 2020, investors face a number of hurdles. As well as a resurgence in Covid-19 cases across Europe, political uncertainty is high. This may tempt some to stay on the side-lines but we believe it is important to look beyond short-term disruption. Subscribe

Fund in focus: ASI Global Smaller Companies 15 Oct 20 Liz Rees Smaller companies funds offer the opportunity to participate in the earlier stages of a company’s development. It can be easier to compound growth from a lower base so successful businesses may deliver strong returns for investors. Subscribe

Does the US Election result matter to investors? 13 Oct 20 Adrian Lowcock The US Presidential election is due to take place on the 3^rd November 2020 and because of coronavirus many voters have already posted their votes. Politics used to be a sideshow for financial markets, but recently has been having a greater impact. We consider the policies of the two leading candidates and the impact on markets. Subscribe

Markets grind higher on hopes of a quick recovery 07 Oct 20 Liz Rees We review the performance of stock markets in the third quarter and identify the main economic and political drivers. We look at which areas that have done well, and which have lagged behind, as the Covid-19 health crisis continues to cast a shadow over society and economic activity. Subscribe

How to use cash as insurance against volatile markets 06 Oct 20 Adrian Lowcock Stock markets have been volatile this year as investors reacted to the impact of global lockdowns on companies. With the fear of coronavirus continuing to affect sentiment, along with other uncertainties, volatility in markets is something investors need to consider. Having some cash savings can help. Subscribe

Is October’s reputation for volatility overdone? 02 Oct 20 Liz Rees The tenth month of the year has a reputation for volatility, with seven of the worst 10 one-day falls for the FTSE 100 occurring in October. We consider whether this simply coincidence or should investors be more cautious at this time of year? Subscribe

Why consider a multi-asset fund? 29 Sep 20 Liz Rees Unless you have a very large portfolio it can be difficult to achieve optimal diversification. One way to address this is to consider a multi-asset fund, which aims to provide an all-in-one solution. We look at some of the different approaches available and highlight some well-regarded funds. Subscribe

Property funds start to reopen - what is the outlook for investors? 25 Sep 20 Liz Rees As some of UK’s direct property funds start to lift the dealing suspensions imposed during the Covid-19 crisis, we consider the different ways an investor might access this asset class. Subscribe

Fund in focus: Schroder European 24 Sep 20 Liz Rees Having been out of favour for some time, there are tentative signs of renewed interest in European stock markets. This follows the launch of a major initiative to boost the Eurozone economy in the form of a European Union Recovery fund. This week’s fund in Focus is Schroder European which has a flexible approach to uncovering attractive opportunities in this large and diverse universe. Subscribe

Are you ready for negative interest rates? 22 Sep 20 Liz Rees The Bank of England held interest rates at 0.1% last week but hinted it is prepared to take them below zero if necessary, for the first time. We look at the potential impact negative interest rates might have on savings and investments and give some ideas on how you might prepare for such a situation. Subscribe

It is important to look beyond the UK when investing 18 Sep 20 Liz Rees A well-diversified portfolio can help reduce volatility. There are several ways to diversify but many investors have a noticeable bias to their home market. What opportunities could you be missing out on by focusing on the UK? Subscribe

Making the most of your investments online 15 Sep 20 Adrian Lowcock Investment platforms are an important part of managing your investments online. Over the years the services offered by platforms have expanded and improved so it is important to make sure you are getting the most out your platform. Subscribe

Investors would have missed out on market rally if they had followed the ‘Sell in May’ adage 14 Sep 20 Adrian Lowcock Best summer for the UK’s 100 largest companies since 2016 This followed the worst winter period since the 2008 market sell off at the height of the global financial crisis 4th year since Brexit that ‘Sell in May’ has failed ‘Sell in May’ adage becoming increasingly less common Subscribe

Child Trust Funds come of age – five things to consider 11 Sep 20 Adrian Lowcock This September millions of pounds invested in Child Trust Funds launched 18 years ago, finally start to mature, becoming accessible to teenagers for the first time. We look at what your children or grandchildren should consider. Subscribe

What next for Japan? 08 Sep 20 Adrian Lowcock Shinzo Abe’s resignation at the end of August due to ill health marks the end of Japan’s longest-serving Prime Minister. We look at Abe’s legacy and what his resignation means for investing in Japan. Subscribe

Where have Willis Owen clients been investing so far this year? 04 Sep 20 Adrian Lowcock With all the disruption caused by COVID-19 in the world and the impact it has had on markets and peoples’ investments, we thought it might be interesting to take a look at which funds our clients have been buying. Subscribe

Child Trust Funds turn 18 27 Aug 20 Adrian Lowcock 5 things teenagers should ask themselves before deciding what to do with their money. Subscribe

Fund in focus: JPM US Equity Income 26 Aug 20 Liz Rees To many people, the US stock market is best known for its technology leaders but there are also many well-established businesses offering healthy dividends. A fund with a successful track record of delivering steady income from US companies is this week’s fund in focus, JPM US Equity Income. Subscribe

Is the outlook for dividends improving? 26 Aug 20 Liz Rees Many companies around the world have cut or suspended their dividends this year as profits were hit by lockdowns. We consider the outlook for income investors. Subscribe

Is inflation set to return? 25 Aug 20 Liz Rees Inflation was higher than expected in July as consumers splashed the cash after lockdown restrictions were lifted. So could this mark the start of a trend and what do rising prices mean for our investments? Subscribe

A bright future for healthcare? 21 Aug 20 Liz Rees The search for a Covid-19 vaccine has highlighted the important research done by pharmaceutical companies. Moreover, healthcare has defensive characteristics; we don’t stop needing medical services in a recession. Here we look at the themes driving this large and diverse industry. Subscribe

Make the most of your lockdown savings 18 Aug 20 Adrian Lowcock With some people finding they are financially better off because of lockdown, we look at why now could be the time to use that money wisely. Subscribe

Do companies that ‘do good’ do well? 14 Aug 20 Liz Rees In the past, little attention was paid to the social aspect of ESG (Environmental, Social and Governance) analysis. Now that the Covid-19 crisis has raised awareness of ‘doing the right thing’, we look at how social factors can be incorporated into investment decisions. Subscribe

Start saving for your holiday 11 Aug 20 Adrian Lowcock Many of us spend a lot of time planning and looking forward to our next holiday. It can be one of life’s biggest expenses so by setting money aside early and getting the best return possible on your savings, you could have more to splash out. Subscribe

Invesco European Equity Fund (UK) 06 Aug 20 Guest This article outlines the economic background and explains how this has affected the performance of the Fund. Examples of the main contributors and detractors to returns are highlighted. Finally, the strategy is recapped and the outlook considered. Subscribe

Invesco UK Equity Income Fund (UK) Q2 2020 review 06 Aug 20 Guest This article outlines the economic background and explains how this has affected the performance of the Fund. Examples of the main contributors and detractors to returns are highlighted. Finally, the strategy is recapped and the outlook considered. Subscribe

Invesco UK Equity High Income Fund (UK) Q2 2020 review 06 Aug 20 Guest This article outlines the economic background and explains how this has affected the performance of the Fund. Examples of the main contributors and detractors to returns are highlighted. Finally, the strategy is recapped and the outlook considered. Subscribe

Is it time to revisit value investing? 05 Aug 20 Liz Rees The value style has performed poorly for a long time and the pandemic has only made matters worse as investors favoured companies with resilient growth characteristics. However, with depressed valuations and tentative signs of economic recovery might value return to favour? Subscribe

5 tips to make the most of your Willis Owen Account 03 Aug 20 Adrian Lowcock We are constantly improving our website and now have a dedicated area where you can see the latest feature on the Willis Owen Platform. You can take a look at the latest changes. Subscribe

Can the rally in technology continue? 03 Aug 20 Liz Rees Sparkling results from some leading US technology companies helped power their shares to record highs. So does this mean the fourth industrial revolution is gathering pace or is the good news already in the price? Subscribe

Going for gold 31 Jul 20 Liz Rees Gold is often seen as a safe haven in uncertain times and it has proved to be so again so far this year. As the gold price hits record highs, we consider whether the conditions are ripe for further gains. Subscribe

Fund in focus: MI Somerset Global Emerging Markets 30 Jul 20 Liz Rees According to the IMF’s latest forecasts, emerging market economies are expected to perform better than developed economies, including the US and Europe, in both 2020 and 2021. June’s Caixin Composite PMI survey suggested that China, the world’s second largest economy, is leading the world out of recession and businesses were optimistic about the future. If the recovery gains momentum our fund in focus this week, MI Somerset Global Emerging Markets could be well placed to participate. Subscribe

What are you saving for? 28 Jul 20 Adrian Lowcock Whether you are saving or investing it is important to keep in mind the reason you are doing so. This can have a big impact on the types of saving products or investments you choose. Subscribe

Is it too late to invest in gold? 28 Jul 20 Adrian Lowcock Gold has been one of the best performing asset classes year-to-date, acting as it so often has in the past by presenting investors with a safe haven trade as markets turn skittish. Subscribe

Capital Gains Tax under review: Make the most of your ISA allowance 24 Jul 20 Liz Rees Chancellor Rishi Sunak had barely got his feet under the table before the events of the COVID-19 crisis became a priority. As that crisis eases he is turning his attention to other areas. First up is a review of Capital Gains Tax. We consider if this might pave the way for tax rises in the Autumn budget? Subscribe

Janus Henderson Global Equity Fund Q2 2020 report 24 Jul 20 Guest This update reviews performance against the benchmark over the second quarter of 2020, focusing on the main contributors to performance, any changes that have been made to the portfolio and an assessment of the outlook. Subscribe

Janus Henderson European Selected Opportunities Fund Q2 2020 report 24 Jul 20 Guest This update reviews performance against the benchmark over the second quarter of 2020, focusing on the main contributors to performance, any changes that have been made to the portfolio and an assessment of the outlook. Subscribe

The outlook for UK dividends 22 Jul 20 Liz Rees Covid-19 has had a devastating impact on dividends paid to shareholders but can companies which took swift action to protect their businesses now look forward to a brighter future? Subscribe

The different types of savings accounts 17 Jul 20 Adrian Lowcock There are a range of savings accounts out there and it is important to pick the right one for you to make sure you get the most out of your savings and allow you to meet your goals. We consider the pros and cons of each: Subscribe

Fund in focus: M&G Global Macro Bond 16 Jul 20 Liz Rees Bonds can help diversify a portfolio. They have, in the past, demonstrated a low correlation with equities and their fixed rate of interest may provide a more stable income stream than dividends from shares. One fund with a very flexible remit across the bond universe, enabling it to react quickly to disruptive events, is this week’s fund in focus M&G Global Macro Bond. Subscribe

Five factors investors must take heed of in the second half 15 Jul 20 Adrian Lowcock 2020 has been an unprecedented year. At the start of the year, no one would have predicted that a global lockdown would be in place just three months later, with things we took for granted (like eating out) now something many people won’t risk doing. Subscribe

The outlook for stock markets: how smooth is the road to recovery? 14 Jul 20 Liz Rees As the COVID-19 pandemic continues to disrupt the way we live and work, governments are providing unprecedented amounts of monetary and fiscal stimulus to try and restore consumer and business confidence. Could this turn out to be one of the shortest bear markets in history or will a second wave of the pandemic stall the nascent recovery? Subscribe

Five tips to boost the returns on your cash savings 10 Jul 20 Adrian Lowcock With interest rates at record low levels it is essential to make sure you get the best rate you possibly can for your savings, not just now but in the future. We look at five simple tips that could help you to get your money to work harder for you. Subscribe

Sunak splashes the cash to boost the economy 09 Jul 20 Liz Rees Chancellor Rishi Sunak has delivered his Summer Statement, outlining a £30bn package of measures aimed at getting the economy back on its feet. We highlight the key initiatives that it is hoped will restore consumer confidence and business investment as we emerge from lockdown. Subscribe

Review of Q2 2020 - markets on the front foot as optimism returns 07 Jul 20 Liz Rees In this article we review the performance of world stock markets in the second quarter of 2020 and look at the key economic and political drivers. We highlight the areas that have thrived, and those under pressure, as consumer and corporate behaviour adapts to the COVID-19 crisis. Subscribe

Preparing your investment portfolio for a second wave 07 Jul 20 Adrian Lowcock When stock markets are rising it is all too easy to become complacent and assume the global economy is also rebounding strongly, and the bear market is history. However, there are nearly always setbacks on the path to recovery. Subscribe

The US in the spotlight 03 Jul 20 Liz Rees As the US celebrates Independence Day on Saturday 4^th July, investors in the country’s stock market also have reason to cheer. We reflect on the strong out-performance by US shares over the last decade and give our views on the outlook for the region. Subscribe

Fund in focus: Royal London Sustainable Leaders Trust 02 Jul 20 Liz Rees Sustainability is fast becoming one of the most prominent themes in the investment world today. Awareness of limited resources to serve growing populations, as well as the environmental damage caused, has increased. Meanwhile, investors are recognising that companies addressing such issues may also deliver attractive returns. One fund with a long and successful history of sustainable investing is this week’s fund in focus, Royal London Sustainable Leaders Trust. Subscribe

Taking control of your retirement plans 30 Jun 20 Liz Rees The UK government will begin to look for ways to pay down its debt, which has ballooned this year as a result of the lockdown. One option garnering attention is a review of the triple lock formula, which determines the state pension. This could make prudent retirement planning more important than ever! Subscribe

The importance of saving 25 Jun 20 Adrian Lowcock We save because we can't predict the future. It can help you become financially secure and provides a safety net in case of an emergency. Subscribe

Four long years since the Brexit vote - where next for the UK? 23 Jun 20 Liz Rees It has been four years since the Brexit vote, and whilst the coronavirus crisis has knocked the topic off the headline news trade negotiations continue. Boris Johnson promised to ‘get Brexit done’ so what does this mean for the UK economy and investors? Subscribe

Willis Owen enters UK cash savings market with Raisin.co.uk 23 Jun 20 Adrian Lowcock Willis Owen, one of the UK’s largest online investment platforms, is pleased to announce the launch of Smart Savings in partnership with the leading FinTech cash savings service Raisin UK. Subscribe

Celebrating 25 years of AIM 19 Jun 20 Adrian Lowcock AIM, formerly the Alternative Investment Market, celebrates its 25^th anniversary today. It opened its doors on 19^th June 1995 to investors and has grown considerably in size since then. We look at how the market has changed over the years and what investors should consider. Subscribe

Fund in focus: Baillie Gifford Japanese Income Growth 18 Jun 20 Liz Rees As many companies around the world cut or suspend dividends, one country where they have held up better than most is Japan. Often criticised for low pay-out rates and hoarding of cash on their balance sheets, Japanese companies could stand out in an economic downturn. Baillie Gifford Japanese Income Growth fund seeks companies which have potential to grow both dividends and capital and is our fund in focus this week. Subscribe

Preparing your portfolio for a second wave 17 Jun 20 Liz Rees When stock markets are rising it is all too easy to become complacent and assume the global economy is rebounding strongly, and the bear market is history. However, there are nearly always setbacks on the path to recovery. So how can we position portfolios for the uncertainties that remain and a possible second wave of the COVID-19 pandemic? Subscribe

A management fee reduction for selected Stewart Investor funds 16 Jun 20 Liz Rees Stewart investors have announced some fee reductions across several funds in their range. Further details can be viewed here. Subscribe

Is the Emerging Markets growth story intact? 12 Jun 20 Liz Rees With signs that companies in the West are looking to reduce their manufacturing dependence on China, the world’s second largest economy, we review the outlook for Emerging Markets. Can the region continue to produce high levels of economic growth and are there attractive investment opportunities? Subscribe

Are we entering a period of deglobalisation? 09 Jun 20 Liz Rees Before the Covid-19 outbreak, many of us may not have considered where the goods we consume come from. However, the pandemic has raised questions about the ability of supply chains to function effectively in times of disruption. We look at what might change and the implications for investors. Subscribe

FTSE indices review - a reflection of the times 05 Jun 20 Liz Rees The latest quarterly review of the FTSE indices, has brought a more substantial overhaul than usual. Some of the changes illustrate the severe impact of the COVID-19 crisis on certain industry sectors and companies. We look at the movers and shakers and what they might tell us about trends in the economy and stock market. Subscribe

Fund in focus: LF Lindsell Train UK Equity 04 Jun 20 Liz Rees During a deep economic downturn it is crucial to back companies that will be long-term winners and, just as important, to avoid those which may not even be around in the future. A fund which capitalises on structural growth trends and evolving themes in society may be one worth considering. Subscribe

Blending passive and active funds in a portfolio 02 Jun 20 Liz Rees Passive funds have seen a huge surge in inflows over the past decade. They have enabled investors to participate in a long bull market at very low cost. Today we are facing a much tougher economic backdrop and some think an active approach, to identify the winners and losers, may prove effective. We look at the arguments for and against each style. Subscribe

Keeping an eye on liquidity 29 May 20 Liz Rees As we approach the 1^st anniversary of the suspension of the LF Woodford Equity Income fund, it might be a good time to remind ourselves of the risks associated with illiquid investments. We take a look at how different investments may face liquidity constraints and what investors can do to help protect their portfolios. Subscribe

Paying for the Pandemic 26 May 20 Adrian Lowcock Government manifesto promises and years of austerity were shoved to one side when Coronavirus spread across Europe and resulted in the UK going into lockdown for nearly two months. Whilst many things remain uncertain, the one thing that seems beyond doubt is that taxes will have to rise. We consider some of the possible options. Subscribe

Where in the world can you find dividends? 22 May 20 Adrian Lowcock The coronavirus (Covid-19) crisis has had a huge impact on UK dividends with whole sectors cutting their payments. The impact on the income people draw from their investments will be felt for years to come. Whilst the UK has been a leader in paying out dividends, other regions are also affected. We look at the impact of the crisis on the rest of world and consider where the best equity income opportunities lie. Subscribe

What to do if your fund manager leaves? 19 May 20 Adrian Lowcock Recently, several companies have announced changes to management responsibilities for their funds, with some well-known fund managers stepping back from their roles. Fund managers are often a big part of the reason investors hold a particular fund so their departure can be unsettling for investors. We consider why fund managers leave and what it might mean for your investments. Subscribe

Can gold continue to shine? 15 May 20 Adrian Lowcock The price of gold has rallied during the Coronavirus (COVID-19) crisis as some investors swapped riskier investments in shares for the perceived safety of this precious metal. Having offered investors protection during the crisis we consider the outlook for gold and the role it can play in your portfolio. Subscribe

Fund in focus: Invesco Corporate Bond 14 May 20 Liz Rees When the outlook for company profitability is uncertain it can be hard to find a dependable source of income from your investments. Companies are cutting dividends, while government bonds offer negligible interest rates and high yield bonds face rising defaults. One area that may be worth considering is investment grade corporate bonds. Our fund in focus this week is Invesco Corporate Bond, which has a Morningstar gold rating. Subscribe

Invesco Income Fund (UK) Q1 2020 review 13 May 20 Guest This article outlines the economic background and explains how this has affected the performance of the Fund. Examples of the main contributors and detractors to returns are highlighted. Finally, the strategy is recapped and the outlook considered. Subscribe

Invesco High Income Fund (UK) Q1 2020 review 13 May 20 Guest This article outlines the economic background and explains how this has affected the performance of the Fund. Examples of the main contributors and detractors to returns are highlighted. Finally, the strategy is recapped and the outlook considered. Subscribe

Invesco European Equity Fund (UK) Q1 2020 review 13 May 20 Guest This article outlines the economic background and explains how this has affected the performance of the Fund. Examples of the main contributors and detractors to returns are highlighted. Finally, the strategy is recapped and the outlook considered. Subscribe

How quickly can the UK economy recover? 12 May 20 Liz Rees Last week the Bank of England suggested that the UK economy was set for a rapid rebound in the second half of 2020 following an unprecedented collapse in activity in the first half of the year. With Prime Minister Boris Johnson laying out his plans to get Britain back to work, we look at whether a V-shaped recovery is realistic and what obstacles stand in the way. Subscribe

It’s time in the markets, not timing the markets that matter 07 May 20 Adrian Lowcock At this time of year the “Sell in May and go away, don’t come back until St Ledger’s Day” adage gets some attention and, like all good sayings, there is some truth behind it... Subscribe

Investors shrug off lockdown to send global markets soaring in April 05 May 20 Adrian Lowcock Following the rapid decline in markets in March, stock markets rallied strongly in April. Subscribe

What does a low oil price mean for investors? 01 May 20 Liz Rees Oil helps power global growth and last week’s collapse in the oil price shocked markets. Oil has been under pressure since Saudi Arabia launched a price war in February. We look at what is going on with the oil price and the implications for your investments. Subscribe

A management fee reduction for selected L&G funds 30 Apr 20 Liz Rees L&G have announced some fee reductions across several funds in their range. Further details can be viewed here. Subscribe

Janus Henderson European Selected Opportunities Fund Q1 2020 report 29 Apr 20 Guest This update reviews performance against the benchmark over the first quarter of 2020, focusing on the main contributors to performance, any changes that have been made to the portfolio and an assessment of the outlook. Subscribe

Janus Henderson Global Equity Fund Q1 2020 report 29 Apr 20 Guest This update reviews performance against the benchmark over the first quarter of 2020, focusing on the main contributors to performance, any changes that have been made to the portfolio and an assessment of the outlook. Subscribe

Three investment themes for lockdown 28 Apr 20 Liz Rees While many companies have seen sales evaporate as a result of the lockdown, a few sectors have actually seen demand for their products and services take-off. Some will just benefit in the short term and others may experience a longer lasting effect from the coronavirus crisis. We consider the trends and ask whether they are sustainable. Subscribe

Are corporate bonds the place to be? 24 Apr 20 Liz Rees The lockdown due to the coronarivrus (Covid-19) is having a huge impact on companies as economic activity collapses. One aspect has been the cut in dividends. Up to half of company dividend payments are estimated to be at risk this year. With this in mind, we ask if now is a good time to revisit the fixed interest appeal of corporate bonds? Subscribe

Fund in focus: Artemis Global Select 23 Apr 20 Liz Rees A global fund is not restricted by geography and can search widely for businesses best placed to weather the current downturn in the global economy, as well as benefit from the eventual recovery. Sectors with a sustainable earnings outlook, such as healthcare and technology, may prove more resilient than cyclical industries to the challenges faced today. A fund that targets such opportunities, whilst paying close attention to valuation, is our fund in focus Artemis Global Select. Subscribe

Seven tips for keeping safe from scammers 21 Apr 20 Liz Rees With most of us in lockdown in our own homes, fraudsters are still working and looking for new ways to exploit any opportunities they can find to relieve us of our money. We suggest some key points that could help you avoid falling victim to some of the scams doing the rounds. Subscribe

Outlook for 2020: life after lockdown 15 Apr 20 Liz Rees The coronavirus (COVID-19) crisis has severely dented economic growth prospects for 2020 and possibly beyond. However, companies that take sensible steps to protect their financial position during the downturn should be well placed to capitalise on the eventual recovery. But how does the rest of 2020 look when much of the world is in lockdown? Subscribe

Is it time to start investing for the recovery from lockdown? 09 Apr 20 Liz Rees The coronavirus (Covid-19) crisis has shut down large parts of the global economy and had a huge impact on many people’s jobs and personal lives. However, with markets typically forward looking and hope that the end is in sight, we look at how companies and fund managers are addressing the risks and opportunities that arise. Subscribe

Investing monthly could help you become a better investor 09 Apr 20 Adrian Lowcock A lot of people invest monthly as it lines up nicely with the fact that the majority of us get paid monthly. So you can put any spare cash into your savings and investments as soon as you get paid and aren’t tempted to spend it. Subscribe

Market review of the first quarter 2020 09 Apr 20 Liz Rees This review looks at the drivers behind the falls in stock markets around the world in the first quarter of 2020. We highlight the stimulus provided by central banks and governments to help economies and companies get back on their feet when normal life resumes. Subscribe

Investor behaviour in bear markets 07 Apr 20 Liz Rees In the short term markets are driven by the collective emotions and thoughts of all their participants. The negative news surrounding the coronavirus (Covid-19) pandemic and the fear it has generated is likely to influence your investment decisions. We take a look at some of the common behavioural biases that we all might experience and offer some tips to help you deal with them. Subscribe

Coronavirus crisis: Three funds caught up in the sell-off to buy for the long-term 06 Apr 20 Adrian Lowcock The dramatic falls seen across equity markets are creating opportunities for bargain hunters with a long-term investment horizon Subscribe

Who are the winners and losers in March’s sell-off? 03 Apr 20 Adrian Lowcock Given the extent to which markets have tumbled, it may come as a surprise that some funds and sectors performed well during the crisis. Subscribe

Fund in focus: Trojan 01 Apr 20 Liz Rees Big falls in markets are a reminder that there is more to investing than just trying to grow your capital. It is also about protecting your money from falls in markets; such an approach to investing helps to stay invested in in uncertain times. Trojan adopts a conservative approach. The manager tries to protect investor’s capital when stock markets fall, although it may still lose money, whilst still participating in any upside. Subscribe

Willis Owen reveals the best & worst sectors and funds in March 2020. 01 Apr 20 Adrian Lowcock UK Gilts only asset class to deliver positive returns in March UK markets worst performers Energy funds see 40%+ falls due to double whammy of the oil price war and coronavirus Subscribe

Market rebound gives us the first rays of hope 31 Mar 20 Liz Rees Last week brought a glimmer of hope that there may be light at the end of the tunnel for investors. Stock markets around the world rallied on optimism that huge fiscal stimulus programmes announced by governments would support the economy through these difficult times. Nevertheless, a high level of uncertainty will remain until there are signs that the coronavirus pandemic is under control so volatility is likely to continue. Subscribe

Gaining context 27 Mar 20 Guest Carl Stick, fund manager of Rathbone Income Fund, explains how, in the current difficult circumstances, he is trying first and foremost to mitigate losses and secure dividends for his investors. The manager also considers where future opportunities might lie. Subscribe

Protect your income from dividend cuts 27 Mar 20 Adrian Lowcock Dividend cuts seem inevitable as many companies look to conserve cash in the short term to protect their business. We look at five tips to help protect your income from the dividend shock set to come. Subscribe

Three funds I am buying in my 2020 ISA 27 Mar 20 Adrian Lowcock It is important to make investment choices based on your goals and not on the short-term noise that often permeates stock markets. Subscribe

The five most powerful tools to help investors in a crisis 27 Mar 20 Adrian Lowcock Crisis are always different, they have a different effect on the economy and indeed stockmarkets. It is because of this that we often feel like this time is different to previous crisis. Subscribe

The five most powerful virtues to help investors in a crisis 25 Mar 20 Adrian Lowcock Crises are always different, they have a different effect on the economy and indeed stockmarkets. It is because of this that we often feel like this time is different to previous crisis. Subscribe

Coronavirus leaves pension savers facing painful ‘dividend shock’ 25 Mar 20 Adrian Lowcock Pension savers are facing a painful dividend shock as a result of the Government’s decision to forcibly close millions of businesses, according to Adrian Lowcock, head of personal investing at Willis Owen. Subscribe

Seven simple ways to reduce your tax bill 23 Mar 20 Adrian Lowcock No one wants to pay more tax than they have too and reducing the tax you pay could also give your investments a boost. Subscribe

UK stock market at risk of “worst month on record” as volatile shares sell-off again 21 Mar 20 Adrian Lowcock UK markets on course for worst month on record Global markets on course for third worst month ever However, holding stocks for 10-year periods has historically been a very successful strategy, meaning investors should stay the course if possible Subscribe

The coronavirus (COVID-19) crisis - learning from history 20 Mar 20 Liz Rees Sudden and steep falls in stock markets are usually caused by unexpected and often major ‘geopolitical’ events. These range from pandemics and natural disasters to military conflict and financial crisis. What lessons can investors take from history? Subscribe

Central banks take action to tackle coronavirus 16 Mar 20 Liz Rees Following the Bank of England’s decision to cut interest rates last Wednesday, central banks around the world have announced further measures to tackle the slump in economic activity caused by the rapid spread of the coronavirus. Subscribe

Three growth ideas for your ISA or SIPP 13 Mar 20 Adrian Lowcock Growth is a big part of investing and shares offer the potential for you to boost the value of your portfolio. However, growth is not guaranteed and you could get back less than you invested. Subscribe

Fund in focus: Threadneedle UK Equity Income 12 Mar 20 Liz Rees After trailing other developed stock markets since the EU referendum, the UK now offers an attractive yield. The political backdrop has stabilised and the government is poised to increase public spending, which should help the outlook for company earnings. With the Bank of England base interest rate back at record lows of 0.25%, equity income funds may offer an attractive alternative for those looking willing to take some risk. Subscribe

Round up of the March 2020 Budget 11 Mar 20 Liz Rees The recently appointed Chancellor of the Exchequer, Rishi Sunak, delivered his first budget and we highlight some of the key policy initiatives outlined in his speech. Subscribe

Saudi Arabia’s oil price war hits markets 09 Mar 20 Liz Rees Stock markets continue to experience high levels of volatility as investors worry that the spread of the coronavirus will put a temporary brake on global economic growth. This week, concerns have intensified with the news that Saudi Arabia, the world’s leading oil producer, is to step up its output of crude oil and unleash a price war, triggering a slide in markets. Subscribe

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