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investment market review and outlook

The unwelcome volatility at the beginning of the year was succeeded by a period of good stock market progress, though pockets of uncertainty were evident at times.

Investors warmed to the ideas that spooked them earlier in the year as inflation worries subsided and were replaced by fears of escalating ‘trade wars’, fuelled by the US’s tariffs on many countries, including some of its allies. Another interest rate rise from the US was accepted by markets without much fuss and most developed market bonds ended up broadly flat after yields on the 10-year US Treasury moved up to 3%, a level which seems to deter further selling. [click to continue…]

To help you understand how you can manage your savings and investments in a tax efficient manner, we have put together a hypothetical case to walk you through it. Of course, everyone’s personal circumstances are different, so it’s best to talk to your adviser before making any changes.

At the beginning of May 2018 we were contacted by Jeff and Michelle, a married couple in their late 50s who have recently inherited £600,000 from Michelle’s mother and wanted advice on the best way to invest the money for future income, without incurring a large tax bill. [click to continue…]

Sean Pledger, Financial Adviser

After spending nearly a decade in high street banking, Sean became more attracted to the one-to-one relationship with clients that financial planning offers, and decided to develop his career in that direction. This has enabled him to deal with individuals over the long term and be able to help them achieve their aspirations.

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Investment Market Review & Outlook

The first quarter of 2018 finished in a very different fashion to the one it started in.  Recent moves have highlighted uncertainty and brought back volatility that was missing for most of last year.

While these stock market movements were arguably overdue, we believe that they will also be short-lived and that, while elevated levels of movement may be more frequent this year, they will not be here for good.  Bond markets also fell over the quarter but many regained their losses by the end of March and the fears over interest rate increases in the US subsided, though these are likely to re-emerge as we move into the summer.

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Tom Sparke, GDIM Investment Manager

Stock market indices have fallen over the last 24 hours on the widely expected introduction of trade tariffs by the US, mainly directed at China, to come into effect in around a month’s time (after a ‘comment period’), meaning that the uncertainty caused by these moves may be prolonged.

From the details that have emerged, the tariffs will likely affect $50bn worth of imported goods and the proposed tariff level will be 25%, which the White House believe will be sufficient to block trade in the affected areas. The list of specific goods to be targeted will be released early next week but will include aerospace, information communication technology, and machinery. The tariffs themselves will not have a fundamental impact on China (initial estimates show this would affect around 0.25% of China’s GDP), but the larger worry is over the potential escalation of these measures and a descent into a ‘trade war’.

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Spring Stateement 2018

Download our summary of Philip Hammond’s Spring Statement, delivered in March 2018 here:

Spring Statement March 2018

Siobhan Cordery Fellow of PFS

We are absolutely thrilled to be able to congratulate Siobhan Cordery on the distinction of achieving Fellowship, the highest qualification awarded by the Chartered Insurance Institute (CII). She is the first member of Gibbs Denley Financial Services staff to reach Fellowship level. [click to continue…]

Tom Sparke, GDIM Investment Manager

As you may have observed there were significant downward movements in US equities yesterday and markets have opened negatively this morning in most regions.  As we have alluded to in recent communications, the threat of a pull-back in stock markets has been hovering over us for some time and the catalyst was one that we had been watching closely.  The initial source of worry was the stronger-than-expected US employment and wage growth data at the end of last week.  While this sparked concerns of higher inflation and, consequently, more interest rate increases than anticipated, the driver of much of the volatility in markets was largely due to the increased volume of trading in Exchange Traded Funds (ETF) and by high-frequency traders, which exacerbate severe market movements.  As ETFs make up nearly 20% of US trading volumes markets can move very quickly on these sort of unusual movements.

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CPSL Mind and Suffolk Mind

Each year, the directors of Gibbs Denley Financial Services invite the staff to nominate a shortlist of charities, and then vote for the charity they wish to support for the year.

We are delighted to announce that for 2018 we will be supporting two Local Mind charities: CPSL Mind (Cambridgeshire, Peterborough and South Lincolnshire) and Suffolk Mind.

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Gibbs Denley Financial Services fundraising 20172017 has been a phenomenal year for fundraising at Gibbs Denley Financial Services, as together with Gibbs Denley Insurance Services, we have raised a whopping £2,301.63 for our Charity of the Year, Arthur Rank Hospice.

This money was raised throughout the year through a combination of:

  • Monthly Dress Down Days
  • Internal raffles and a Baby Photo quiz
  • Sponsored events, including Star Shine Stroll and the London-Cambridge Bike Ride
  • Corporate Christmas Cards – we cut back on the number of cards we sent and donated instead

Arthur Rank Hospice Charity have been our Charity of the Year several times since we first supported them in 2009, and we are thrilled to say that our total fundraising over the years comes to £8,964.96.

A huge congratulations and thank you to all the staff who have taken part throughout the years, and to all the people who have so generously sponsored us.