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Integra Financial
Bulletin Issue 22 : December 2017
This Month : Risk
 

Welcome to our December email

Dear Client.

We hope this bulletin will keep you up-to-date with topical financial matters that can directly affect you… and your money!

Understanding risk

Lottery imageInvesting money with a backdrop of often confusing Economic data and rapidly changing political events from all over the world can sometimes feel like a bit playing the lottery.

However, risk is part of our daily lives. Even crossing the street involves risk. Perhaps the meaning of risk is no more clearly illustrated right now than the leaders of the world’s Four most powerful nations seemingly intent on playing their version of high stakes poker. The rest of the world can only hold its breath and pray that common sense and peace will prevail.

World leaders

Investing for the long term

Investing money in the future prospects of businesses and governments will by definition involve risk, but as markets generally reflect situations which are largely not liked to these events their impact on the daily valuations within your portfolio can make it easy to misunderstand where the real underlying risks actually lie. 

Over the long term an investment in the right businesses will generally survive and prosper despite the difficult conditions that it may have to go through during largely unrelated political events.

Perhaps the best example of this is the legendary American investor Warren Buffet. Generally regarded as the worlds most successful investor his philosophy has always been based on patient long term investing.

The Budget

Budget 2017 image

This autumn’s Budget offered little to improve stability within our daily lives and we will continue to experience regular volatility as a result of Brexit and the more recent developments in Germany regarding the future of Mrs. Merkel.

Media continues to report the demands being made of us the by the EU when perhaps a little more reflection on the problems faced by other EU countries can actually throw a more positive light on the wider situation.

Fund review

As usual it is our intention to review funds and asset allocation in the first part of 2018. We will of course keep you fully informed on our thinking throughout that process. 

Overall, we have enjoyed another good performance from your portfolios this year and it is our intention to use all of the tools and skills at our disposal to continue this pattern in the New Year.

Our Christmas charity

Our chosen charity image

For a number of years we have been making a donation to charity rather than sending out Christmas cards and this year we are continuing to support Medicines Sans Frontieres for the fantastic work that they do whilst providing medical care for some of the most unprivileged men women and children in some of the most dangerous parts of the world. A remarkable group of people.

Christmas Wishes

Finally, it only remains to say that we wish you and yours a very happy and a very peaceful Christmas holiday. 


regards, Jeremy Hill
 www.integrafinancial.co.uk

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Integra Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 612749). Registered in England & Wales at 1 Summerwood, Charters Road, Sunningdale, Ascot, Berkshire, SL5 9SQ. Company Registered Number - 6390466