Balance Briefing: April 2025
Our calm approach to investing
There’s been a lot of noise in the markets lately.
Our latest update shares how we help clients stay invested and avoid costly mistakes — even when headlines are loud.
Helping you invest with confidence, even in uncertain times.
What's in the video?
In just 3 minutes, we explain how our investment 'bucket' approach helps clients:
→ Meet short-term needs without touching long-term investments
→ Stay invested through market dips - calmly
→ Avoid the common mistakes emotional investors make
→ Take advantage of timely planning reminders
How we help clients stay on track
At Balance, here's what we build into our plans to keep clients on track:
Buckets bring balance
Where appropriate, we segment money into short-, medium-, and long-term buckets — so no part of life depends on market timing.
The markets have seen it all before
Clients feel more confident knowing their plan accounts for recessions, inflation, and volatility
The best days follow the worst
That’s why we help clients stay the course — even when things feel uncertain
You don't need to go it alone
We're here with steady guidance when things feel noisy.
Volatility. Uncertainty. Headlines. It's enough to make anyone feel uneasy. But what if we told you that the key to long-term wealth isn’t avoiding the storm… It’s staying calm through it?
A quick perspective shift
Every year brings a reason not to invest.
But looking back over 50 years? Staying the course made all the difference.
£10,000 invested in the global stock market 50 years ago would be worth around £2 million*
The real risk? Not being invested at all.
*This is an illustrative example only. Actual returns may be less due to fees and taxes.
What else helps?
Behind the scenes, we help clients make the most of:
→ ISA and pension allowances
→ Capital Gains Tax allowance and loss planning
→ Inheritance Tax planning, where relevant
If you’ve been planning a big life event or change — maybe a gift, a holiday, or starting your retirement journey — and this market wobble has made you hesitate…
It might be time to check whether your current setup gives you the flexibility you need, when you need it most.
We often help clients explore options like:
→ Using their short-term bucket
→ Tapping into a cash reserve
→ Or deferring withdrawals, if that's suitable
Thinking about your next step?
If you’ve been wondering whether your current setup gives you the clarity or flexibility you need — we're here to help.
No pressure. Just perspective.
Talk it through with one of our Chartered Financial Planners.
Please note: This update is not financial advice and is provided for information only. You should not take any action before speaking to a Financial Planner, who will confirm what suits you. Past performance is no guarantee of what will happen in the future.