Royal London Asset Management

23 June 2021
JP's Journal: The importance of trust
JP's Journal: The importance of trust

Trust is really important. It underpins so much of what we do. I was reflecting on this listening to the latest revelations by Dominic Cummings about his time advising the Prime Minister. What struck me, perhaps surprisingly, was not what was said but the fact that it has been published.

11 June 2021
Beware overconfidence in making predictions for the future
Beware overconfidence in making predictions for the future

The (in)famous ex Chair of the US Federal Reserve, Alan Greenspan, was well known for talking a lot without saying much, a key skill when his public pronouncements often moved markets. He himself came up with the famous quote “if you understand what I’m saying then you aren’t listening carefully enough”. This is a phrase that could be used for today’s markets. If you think you know what is going to happen next, then you don’t really understand what is going on. 

9 June 2021
JP's Journal: Will service sector costs impact rates?
JP's Journal: Will service sector costs impact rates?

My anecdotal experience of inflation in the hospitality sector (a glass of wine and a pint of beer) got me thinking about how developed economies are placed for the present inflation challenge.

3 June 2021
JP's Journal: ESG, ethical and sustainable investment
JP's Journal: ESG, ethical and sustainable investment

How we position our fixed income and cash funds to reflect their ESG, ethical and sustainability characteristics has been debated internally for several months. In light of the EU’s Sustainable Finance Disclosure Regulation, we have designated funds which fall under this regime as either Article 6, Article 8 or Article 9.

24 May 2021
JP's Journal: Housing and social care
JP's Journal: Housing and social care

Inflation was again dominating headlines last week. On Wednesday UK CPI data for April showed annual inflation at 1.5%, in line with expectations. However, RPI at 2.9% was significantly above consensus; this was the largest gap between the two indices since November 2010.

7 May 2021
RLAM sustainable funds and the UN Sustainable Development Goals
RLAM sustainable funds and the UN Sustainable Development Goals

The UN Sustainable Development Goals (SDGs) were launched in 2015 as part of the UN’s Sustainable Development Agenda. These were adopted by all UN member states as part of a common aim to end poverty, protect the planet and ensure that everyone could enjoy peace and prosperity.

5 May 2021
JP's Journal: Biden's first 100 days
JP's Journal: Biden's first 100 days

Luck plays an important role in life. My colleague Azhar Hussain was talking to me about Biden’s 100 days and I reflected on a quote I heard on the radio last week: Boris Johnson has been lucky with his enemies. I think that could also apply to President Biden.

5 April 2021
A reminder of the importance of infrastructure
A reminder of the importance of infrastructure

It sounded funny at first – a massive container ship stuck in the Suez Canal. The pictures were amazing, showing both the predicament and indeed the sheer size of modern cargo vessels. The reality though is that billions of dollars in trade was halted, shipping rates have soared, and oil prices have firmed.

6 April 2021
What impact has the vaccine roll out had on Sustainable Funds?
What impact has the vaccine roll out had on Sustainable Funds?

March 2021 - A Covid-19 Sustainable investment update. What is happening? What will happen next? How are we performing?

12 March 2021
Does sustainable investing belong in fixed income?
Does sustainable investing belong in fixed income?

Sustainable investing is traditionally an equity concept. Its history is largely devoid of fixed income. Yet that appears to be changing. The growing desire from clients for products that embed ethical values, alongside growing evidence that sustainable approaches do not compromise financial performance, has led to a surge in enthusiasm for sustainable approaches to investing across all asset classes. But is this all hype? Does it truly belong in the world of credit? 

9 March 2021
JP's journal: Trade-offs in politics and economics
JP's journal: Trade-offs in politics and economics

It is often said that market participants dislike uncertainty, but I think that the opposite is true. Investors thrive on weighing up options for outcomes and then backing their views. Making choices in a world of imperfect knowledge is what we all do.

1 March 2021
JP's journal: Are rising yields a precursor to changing policy?
JP's journal: Are rising yields a precursor to changing policy?

Government bond yields continued to rise sharply over last week, although appeared to have stabilised towards the end, and equities moved back from their recent highs. All of this was met with some relief throughout global markets.

23 February 2021
JP's journal: ESG considerations are becoming global
JP's journal: ESG considerations are becoming global

Government bonds were under pressure last week as inflation, vaccine news and supply fears weighed on markets. A key issue for me over the next few weeks will be whether this rise in the risk free rate impacts on risk assets such as credit and equities.

12 February 2021
Bonds are different from equities
Bonds are different from equities

The separate articulation of Environmental, Social and Governance (ESG)  investing started as an equity construct and much of the data and analysis used today is still centred in equities.

13 January 2021
Outlook 2021
The challenges awaiting bond investors

The magic money tree is alive.