Annual Investment Review Seminar 2017

In June 12, 2017
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This weekend, I was pleased to spend my Saturday catching up with some of our Investment and Pension Clients for our Annual Investment Review Seminar.

The purpose of the day is not just to update our Clients about important things changing in the world of ISA’s, Investments and Pensions, but also to reflect on the previous year’s performance and look where the growth will be coming from for the rest of this year and into 2018.

It was great to report that all of the Investment Portfolios were showing healthy, positive gains for 2016/2017 and whilst there have been the odd moments of turbulence, generally the last year has seen good growth with the FTSE 100 reaching historic new highs and we are now starting to discuss the possibility of the FTSE reaching 8000 or more.

While most of the Portfolios have enjoyed double-digit returns this year, it’s still important to not get accustom to this level of growth on a year on year basis. There are certainly lots of potential challenges on the horizon which could impact growth over the next few years. Long-term, the biggest focus is of course the impact of Brexit, which we won’t feel in the markets or the wider economy for at least the next few years. It was great to discuss how the Fund Managers will be looking to maximise the opportunities from Brexit and minimise the potential risks.

We also spent a bit of time reflecting on the Trump affect and how if the US President is able to implement some of his policies regarding the stimulation of business in the US, in particular his proposed reduction of Corporation Tax, that could be very good for the US and we would see an opportunity for good gains to be made inside the portfolios. If however, he manages to get himself impeached before he’s even able to really start the job, then these growth opportunities may become largely muted.


The biggest area of discussion, not just during the seminar but also one that has been dominating a lot of my Client conversations recently is the problem of holding too much in cash. With interest rates at an historic all time low and no indication from the Bank of England that they will be increased until at least 2019,  when we hope to have left the European Union, most Clients are becoming increasingly frustrated with the poor returns on their cash-based savings and deposits including Cash ISA’s. Coupled with poor interest rates, we have the other challenge now. Inflation is starting to run away from us, with the Bank of England suggesting that inflation is currently sitting around 2.7% but in reality it is more like 3% and it’s expected to be more like 3.5% as we head into next year. This means that your cash savings and ISAs, paying no more than 0.5%, right now are actually losing money and you are locking in a loss for every pound that you keep in cash holdings. The only solution is to not waste your ISA allowance on a Cash ISA. Make sure you’re instead invested into a Stocks and Shares ISA targeting above inflation growth of 4% +

We concluded the session by then looking forward and discussing where the Fund Managers in the investment portfolios feel the pockets of value and opportunity are for the rest of this year and into 2018.

The general consensus is that despite things being quite positive and buoyant at the moment in the markets, largely this feels well supported and not overinflated. At the moment even with the uncertainty regarding the general election and the results of the Brexit negotiations, we still expect to see continued growth and good returns for the rest of this year and into next year.

If you couldn’t attend this year’s Annual Investment Review Seminar and you would like copies of the slides provided to attendees or would like to have a one-to-one chat about your Investments or Attitude to Risk, please just contact the office and one of the team will arrange a meeting for you.


Your capital is at risk. Investments can fluctuate in value and investors may not get the amount back they invest. Past performance is not a guide to future performance. Tax rules can change at any time.

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The opinions contained within this blog, do not constitute financial advice and no action should be taken based on this content alone.


Jasmine has been a qualified Financial Planner since 2008. She has also been a member of the Society of Will Writers since 2012. She is passionate about helping Clients build their wealth and achieve the financial lifestyle they desire. Her areas of expertise are that of Savings, Investments, Pensions and Retirement Planning.

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Redwood Financial Family Wealth & Estate Planners Ltd is Directly Authorised and regulated by the Financial Conduct Authority. FRN number 774469.

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The Financial Conduct Authority do not regulate, Will Writing, Buy to Let Mortgages, Auto-Enrolment, Tax Advice and Estate Planning. Your capital is at risk. Investments can fluctuate in value and investors may not get the amount back they invest. The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

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Redwood Financial Family Wealth and Estate Planners Ltd Company Number: 08926661
Registered Office Address: Wellesley House, 204 London Road, Waterlooville, Hampshire,