Happy New Year! Having had a break away, I’m back at my desk and before looking forward to the rest of 2025 I wanted to look back at how markets and money did in 2024.

Overall investment markets experienced a ‘Bull’ market, meaning that they ended the year up on where they started. But for anyone who kept an eye on the progress or has been a regular reader of this email, you will know that the path was less than smooth. And, it never will be. The nature of holding investments is that you are betting on growth over the longer term, and in 2024 investment markets did their job and provided better returns than cash.

As we move into 2025, expect the volatility to continue. Globally, we continue to see unrest, political landscapes shifting and Trump round 2 starts on the 20th Jan. At home in the UK, the Labour government started the year contending with a rapidly falling £ and continued backlash from the Autumn Budget.

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