“What next for investors if interest rates have peaked?”

An independent (financial adviser’s) view

What next is a much better couple (or more) of years ahead. If you have investments, you’ll have seen a pretty sharp ‘uptick’ since November after a pretty sharp ‘not much happening or going down’ since the beginning of 2022. We’ve said many times that when things move, they can move pretty quickly. Perish the thought that investing might be compared to the lottery, but you really do have to be in it to win it. A glimmer of a hope that interest rates have, indeed, peaked, was all that was needed to encourage those that make a difference to these things to plunge in. ‘Investors appetite for risk’ revived, the flock/herd turned and, although not yet galloping forward are, I would say, heading in a sunwards direction. ‘Sunwards’ means inflation not inflating as quickly as expected, or just not as quickly. Anything can, and usually does, happen, of course, but my investment glass is at least half-full.

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“Cash ISA allowance could be cut this month”

“Cash ISA allowance could be cut this month”

Our mantra has long been ’straightforward advice that you can understand’. That can mean trying to simplify the many complex products and options with which the world of finance tries to befuddle its target audience.

“Will the Bank of England Cut UK Interest Rates Again in 2025?”

“Will the Bank of England Cut UK Interest Rates Again in 2025?”

It’s easy to forget that five years ago the Bank of England Base Rate was at an all-time low of 0.1%, and only rose above 1% with the arrival of Liz Truss later in 2022. Something of which we often have to remind those who, when looking at how their investments have fared over the same period after yet another Trump Tweet has pushed markets in one direction or another, tell us ‘we could have been getting 4% a year if we’d left it all in the bank’.