Let’s make it a real resolution in 2022 to focus together on the big picture when it comes to your finances. All too often, it can be very easy to be dragged down into weeds – in our world that’s the (very important too) world of products, funds and fund managers. Don’t get us wrong, these really matter and need to be discussed, but never at the expense of discussing the bigger picture.

We’ve seen quite a lot of volatility in investment markets in recent months and while many analysts are forecasting single digit growth in 2022, there is also a sense that markets will continue to be volatile. Covid is still lingering, the US & China are having their differences over trade and Brexit issues remain unresolved.