As 2020 draws to an end, none of us will be sorry to see the back of it.

To all those who have yet to receive communications from us this
year, may I start by wishing you all a belated Happy New Year!

With investment markets however, it will be good to have 2020 vision!

Interest rates in the UK remain at 0.75% and are poised to react to forthcoming changes in terms of both global growth and Brexit

We have seen a partial rally since the turn of the year and it is long overdue. This is global really but the UK was hit harder so there have been some disproportionate improvements too. I am not going to comment on the political shenanigans here but needless to say it is confused and messy. All, again, I’d repeat is to remind you that the world is not going to stop on 29 March so with that in mind, invest with great value in hand and almost regardless of the outcomes.

As we prepare to welcome 2019, it is time to reflect on the events shaping economic and market ovements globally. It has been a more difficult six-nine months with some awful natural disasters afflicting the world and uncertainties continuing.

We have witnessed droughts, food shortages, forest fires and ferocious storms with dreadful and fateful consequences. With predictions……