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With so many choices, leave it to us to help make your money work harder for you.

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We can support your business development plans with advice on growth, restructure and commercial lending

Your home may be repossessed if you do not keep up repayments on your mortgage

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Financial Markets - a Year of Two Halves?

Last year was interesting, but what lies ahead for investors over the next few months? Experience has taught us to expect the unexpected, as many investors are becoming used to a wide variety of financial, economic and political factors and learning to look through the ‘noise’ to focus on what really matters. Recent political events have further exemplified the difficulty of investing on the basis of prediction. As global growth becomes self-sustaining and policymakers are presented with difficult decisions, the risk of political upset disrupting markets remains.

What we do know is that market volatility will continue and pockets of value exist, which makes asset allocation a prime tool when planning your portfolio. What really matters is identifying your attitude to risk, selecting suitable investments in line with your risk and objectives and having conviction in these decisions.

Rule Britannia?

With a backdrop of modest global growth, clouded by the added complication of Brexit negotiations, there are mixed signals of growth for the UK. Theresa May outlined plans for a transition period after Brexit, telling EU leaders there is a shared responsibility to make Brexit work “smoothly”. Frontline negotiations seem to be making little progress and the clock is ticking. Brexit remains a long-term threat.

Weaker sterling has been the main driver of UK blue chip companies with high overseas earnings and benefiting those industries which export services and goods. Despite inflation remaining above target, many economists do not expect UK interest rates to rise until 2019.

Over the water

On the continent, with 17 consecutive quarters of growth in the bag, there is no longer a requirement for emergency monetary policy settings. The European Central Bank (ECB) is thinking about unwinding its quantitative easing programme, although they are approaching with caution. The rate of US economic growth picked up steam in the summer. While stock market valuations are full, equities may have further to go as a result of the improved global economic conditions, which are enhancing profit growth.

Although political uncertainty still weighs, the improving macroeconomic environment can feed corporate profits as the third quarter earnings season gets underway. The Federal Reserve has announced that it will begin to reduce a portion of the investments it made to boost the US economy following the financial crisis.

Opportunities ahoy

With global economies finding some momentum and the hint of normalised economic policy on the horizon, investment opportunities exist. As traditional macro concerns return to the fore, portfolio diversity holds the key to approaching your investments and managing risk. Spreading your money across different asset classes and geographic regions is sensible, especially for UK-based investors who are likely to see further sterling weakness.

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.

If you’re making plans for your retirement and would like some professional advice, then please get in touch.

Source: Intrinsic Essentially Wealth Q4 2017 Issue 6

Straight forward information and easy to follow progress, being able to see everything via the Old Mutual portal is excellent. Stress free from start to finish and such a good feeling about who is best at looking after my financial future.

Phil Harmer, April 2017

My critical illness policy covers everything I need and took into account my lifestyle and income - thank you!.

Teresa, Llanelli

Thank you so much for obtaining our mortgage, for persevering for so long and not giving up on us. We will be eternally grateful that we can finally live in the family home again.

Rebecca and Darren, Swansea 2017

Daniel never let up and his tenacity was commendable. I was kept informed of our mortgage progress at every stage.

Louise, Swansea

We were really impressed with the speed with which you processed the mortgage and the great rate of interest!

Dani & Geoff, Stratford upon Avon

Dan cut through the jargon and was always there to respond to my questions; his work has helped my dream of buying a house come true.

S & K Jones, Swansea

I had the best possible products tailored for me. I appreciate how much time you have saved me.

Karen, London

The company is first class, discriminating, intelligent, utterly trustworthy and dependable

Maurice, Swansea, March 2017

It was so nice to find someone who was happy to listen to all of my questions and concerns before we agreed on a plan of action.

Christine, Swansea

Gary provided excellent advice and assistance with a complex purchase. He understood the timescales and sourced lending when others could not.

James, Swansea

Thank you for the excellent service and advice given, you made my journey hassle free and tax efficient, and now very profitable

Steve Allan March 2018

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