Long-term investment success depends more on time in markets than timing them

• Market volatility is normal and often creates long-term opportunity
• Holding excess cash may hinder growth for long-term objectives
• Diversification and discipline help manage emotional investment decisions

Investors are constantly navigating changing narratives. Last year markets rebounded

Inflation eased in April, UK trade deal with Gulf partners, Fuel Duty freeze extended and unemployment rate rises

• Latest Office for National Statistics data show inflation slowed to 2.8% in April, down from 3.3% in March
• The UK agreement with the Gulf Cooperation Council is estimated to add £3.7m to the economy and remove £580m in tariffs per year
• Prime Minister Keir

By Natalie Kempster, Chief Client Officer at Purposeful Group

Most people approach retirement with the same question quietly sitting in the back of their mind: will I have enough? It’s a question that often gets answered with a shrug, a rough mental sum, or a hopeful “I think I’ll be fine.” That’s not good enough, and it’s not what our clients deserve.

This is why

Roger Jackson is Director of Financial Planning and a Financial Planner at FMB.

Many of you will know Roger if you have joined us for any technical events online. You may not know, as well as his role at FMB, Roger is also on the board of our national governing body the Chartered Institute of Insurance and the Personal Finance Society. He began working at FMB fresh from