Striking a Balance with your Investments

Striking a balance with your investments is a key part of successful financial planning.  The last couple of years have taught us the importance of achieving balance in our lives – this extends to our finances too, making now an opportune time for investors to review and rebalance their portfolios to ensure investments remain aligned to their long-term financial goals.

Time to strike a balance

Concerns surrounding inflation, rising interest rates and growing global political tensions have all combined to create a potentially disconcerting backdrop for investors during the early part of this year, as markets search for a stable footing. The good news is that many investors with long-term retirement goals tend to have time horizons that extend beyond inflationary cycles and any market volatility experienced is a normal investment phenomenon. History shows that investors who are patient and stick to their plans are more likely to achieve their financial objectives. Diversification is one strategy that withstands the test of time.

What now for the global economy? A ‘disrupted recovery’

In January 2022, the current mix of uncertainties led the International Monetary Fund1 to downgrade its global growth forecast. It does expect the global recovery to continue in 2022, now predicting a ‘disrupted recovery’ with growth forecast to moderate from 5.9% in 2021 to 4.4% this year – half a percentage point below the previous forecast made in October 2021.

Macro matters

Last year’s gains in growth due to rebounding activity now appear to be behind us. Although the pandemic will continue to impact growth rates, the outlook for macroeconomic policy is likely to become increasingly critical. Indeed, the path of the global economy this year looks set to be largely shaped by central bank policies; specifically, their ability to keep inflation expectations anchored while allowing a supportive environment for growth.

Time to review your portfolio

With the investment landscape undoubtedly changing, now seems an opportune time to review your portfolio to ensure your investments continue to work as hard as possible. We can arrange a review to make sure your investment strategy is firmly aligned to your current personal circumstances and that your portfolio is well-balanced, diversified, tax-efficient and inflation-proofed where possible. Contact Richard Libberton at to arrange a review. 

1IMF, 2022 Striking a balance this spring



The value of investments can go down as well as up and you may not get back the full amount you invested. The past is not a guide to future performance and past performance may not necessarily be repeated. The Financial Conduct Authority (FCA) does not regulate Will writing, tax and trust advice and certain forms of estate planning

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