Royal London Asset Management

31 January 2023
Should have been a fun manager
Should have been a fun manager

My wife is an archaeologist. When in social gatherings her job has always garnered more interest than mine, which in noisier atmospheres is often heard as fun manager.

13 January 2023
Let's talk credit spreads
Let's talk credit spreads

One question that I get asked a lot at the moment is that if I expect recessions in many of the leading economies, why am I positive on credit?

5 January 2023
A dose of pessimism to start the New Year
A dose of pessimism to start the New Year

2022 was a traumatic year for financial markets – but this is something we are getting used to. Fixed income markets were the main casualty with both government and credit bonds taking a battering.

21 December 2022
Housing and football
Housing and football

Is the UK heading for a housing crash? Last week saw the Halifax house price index decline by 2.3% in November, confirming the fall reported earlier by Nationwide.

20 December 2022
Interest rates and all that
Interest rates and all that

Last week was all about interest rate decisions. Strangely, although the Federal Reserve (Fed), Bank of England (BoE) and European Central Bank (ECB) all increased rates by 50bps there was quite a bit of divergence underneath.

7 December 2022
Chopping down the 'Magic Money Tree'
Chopping down the 'Magic Money Tree'

Sometimes markets see what they want to see. The interpretation of the latest statements from the Chairman of the Federal Reserve (Fed) was a case in point.

28 October 2022
JP's Journal: The end of cakeism
JP's Journal: The end of cakeism

Michael Dobbs, author of House of Cards, would have been hard pressed to come up with the story lines that have played out in the UK in the last few months.

10 October 2022
The Blame Game
The Blame Game

The Blame Game has started. Who should be held responsible for the shambles of last week? Let’s look at the suspects.

29 September 2022
Fed hikes and other stories
Fed hikes and other stories

After a big build up, the week came to something of a disappointing end for some. While it was a fantastic event, Roger Federer’s last professional career match ended in defeat for him.

26 September 2022
Whack-a-mole
Whack-a-mole

While relatively very few of us will have known or have met her, Queen Elizabeth’s passing and the dawning of the Carolean era is momentous.

23 August 2022
Inflation education
Inflation education

There was a big rise in UK government bond yields last week, reflecting the inflation data which came in above expectations.

17 August 2022
It never rains but it pours
It never rains but it pours

“It never rains but it pours”. A strange saying and metrologically inappropriate at this time. But the gist is that misfortunes come at the same time. The recent heatwave in Europe is a good example.

9 August 2022
The Bank of England goes bearish
The Bank of England goes bearish

The Bank of England (BoE) hiked UK bank rate to 1.75% last week, meeting expectations of a 50bps move. The immediate reaction in the market was to take bond yields lower. Why was this?

27 July 2022
Avoiding groupthink
Avoiding groupthink

It may seem like a strange question, but why should fund managers continue to pay attention to third-party investment strategists whose views have not worked out as expected?

19 July 2022
The costs and challenges of rising debt
The costs and challenges of rising debt

I have committed to writing a maximum of 1,000 words in my weekly journal. It should take 5-7 minutes to read – so, by the time you finish reading this, the UK will have incurred about £1.5m in additional debt, equivalent to over £5,000 a second.

12 July 2022
Assessing Boris's impact
Assessing Boris's impact

A colleague asked me how I would score Boris Johnson. In one sense that’s a pretty open goal: no coherent political philosophy, chaotic management, a trust deficit, record high taxes, inflation at a 40-year high and mountains of debt. However, history may be kinder, especially if Boris writes it.

21 June 2022
Recession fears take centre stage
Recession fears take centre stage

It was the week of interest rate moves. But with a twist: the US Federal Reserve (Fed) went hard with a 75bps hike, while the Bank of England (BoE) increased rates from 1% to 1.25%.

15 June 2022
The bond market
The bond market

James Carville, an advisor to President Clinton, was once quoted as saying: “I used to think if there was reincarnation, I wanted to come back as the President or the Pope or a 0.400 baseball hitter. But now I want to come back as the bond market. You can intimidate anybody.”

6 June 2022
It's about real yields
It's about real yields

The BBC really does not get finance and business reporting. Listening to the business slot on Radio 4 last Wednesday morning, it was apparent that they had missed the big news of the previous day.

31 May 2022
Talking about climate change
Talking about climate change

It was an interesting week for responsible investment. Stuart Kirk put the cat among the pigeons by suggesting that there were more important issues for investors to consider than climate change.