Investing Newsletter - Jan 2017

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• Stocks and bonds were volatile in 2016, but overall it was a decent year for patient investors. Intermediate-term bonds performed in line with shorter term bonds in three of four rising interest rate environments - so no changes are planned in these assets.

• First Trust Deeds continue to provide a high interest yield and should perform well in an increasing rate environment.

• New all-time highs in equity markets have historically not been useful predictors of future returns.

• It is impossible to time the market consistently and profitably.

• Ensure you are comfortable with the risk in your portfolio so you don’t panic and sell your investments during a severe market downturn.