{"id":19937,"date":"2020-02-13T12:26:10","date_gmt":"2020-02-13T12:26:10","guid":{"rendered":"https:\/\/smh.group\/?p=19937"},"modified":"2023-02-15T13:45:04","modified_gmt":"2023-02-15T13:45:04","slug":"look-back-in-curiosity-what-can-we-learn-from-the-2010s","status":"publish","type":"post","link":"https:\/\/devstagesite.co.uk\/smhgroup\/look-back-in-curiosity-what-can-we-learn-from-the-2010s\/","title":{"rendered":"Look back in curiosity: what can we learn from the 2010s?"},"content":{"rendered":"\n

What do you remember about the 2010s? <\/strong><\/h3>\n\n\n\n

A decade is a long time and a lot happens, but important details can be\nlost in the big headline moments. <\/em>The one that has\njust ended makes the point. The 2010s started with Gordon Brown as prime\nminister and, four elections and two referendums later, closed with Boris\nJohnson in 10 Downing Street and the UK out of the EU. Over the entire period,\nthe Bank of England\u2019s base rate deviated no more than 0.25% either side of the\n0.50% at which it began the decade. <\/p>\n\n\n\n

Inflation, as measured by the CPI, rose from 0.7% in January 2010 to\npeak at 5.1% in September 2011, but from 2012 onwards never breached 4%. It\nended the decade at 1.3%. Across the decade, CPI inflation averaged 2.1%, just 0.1% above the Bank of England\u2019s\ncentral target.<\/p>\n\n\n\n

House prices, as measured by the Nationwide House Price Index (NHPI),\nbeat inflation across the decade, but not significantly. As the graph shows,\nfor most of the first five years house price rises underperformed, then took\nthe lead as inflation subdued. Over the entire decade, the NHPI rose by 32.8%, equivalent to an annual increase of 2.9%. It\nmay come as a surprise that the NHPI fell short of inflation, as measured by\nthe Retail Price Index (RPI), which rose by 33.9% over the 2010s (3.0%\nannually). <\/p>\n\n\n\n

The UK stock market, as\nmeasured by the FTSE All-Share Index, produced capital growth of over 50% in\nthe 2010s, despite all the political traumas. That is equivalent to 4.3%\nannually, more than double the inflation rate. The progress was not smooth \u2013\nthe grey line on the graph does gyrate about somewhat \u2013 but neither was it an\nunnerving roller coaster. <\/p>\n\n\n\n

Unfortunately we can\u2019t project a similar graph for the 2020s. The new decade has started with falling inflation, interest rates set to stay at ultra-low levels, and both housing and share markets that appear to be experiencing a post-election bounce. In the absence of a decade-deep crystal ball, the wisest investment advice for the 2020s will be, as for every other decade, not to put all your eggs in one basket. <\/p>\n\n\n\n

If you would like to take the lead with your investment planning<\/a><\/span><\/strong> for the new decade, contact our team of experienced Financial Planners<\/a><\/span><\/strong> on 0114 266 4432<\/strong> or email info@smhca.co.uk<\/a><\/span><\/strong><\/p>\n\n\n\n

The value of tax reliefs depends on your individual circumstances. Tax\nlaws can change. The Financial Conduct Authority does not regulate tax advice. The\nvalue of your investment can go down as well as up and you may not get back the\nfull amount you invested. Past performance is not a reliable indicator of\nfuture performance.<\/em> <\/em>Investing in\nshares should be regarded as a long-term investment and should fit in with your\noverall attitude to risk and financial circumstances.<\/em><\/em><\/h6>\n","protected":false},"excerpt":{"rendered":"

What do you remember about the 2010s? <\/p>\n","protected":false},"author":4,"featured_media":19938,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[16],"tags":[473,472,77,474,237,475,418,97,344,214],"class_list":["post-19937","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-services","tag-2010s","tag-472","tag-financial-planning","tag-housing-market","tag-inflation","tag-investment-planning","tag-investment-strategy","tag-investments","tag-politics","tag-stock-market"],"acf":[],"yoast_head":"\nLook back in curiosity: what can we learn from the 2010s? - SMH Group<\/title>\n<meta name=\"description\" content=\"What do you remember about the 2010s?\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Look back in curiosity: what can we learn from the 2010s? 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