This time of year brings a unique sense of abundance. We see it in the boxes of sweets we share with neighbours, the thoughtful gifts we choose for our loved ones, and the bonuses we give to our household staff.

This month, given it is the beginning of a period of festivities, I am taking a slightly different tack, from my previous wealth letters to you. 

This month, as we reflect on the hard fought freedom earned by a previous generation, it feels right to consider the independence we seek for ourselves. 

It is ironic, isn’t it? To see a 7 or 8-figure number on your portfolio statement, a symbol of success, and yet feel a fresh wave of unease.

That moment when your financial standing suggests success, yet you feel a certain restlessness.

In uncertain times, the volatility increases and the swings are large. The common investor can find this stressful and confusing. In times like these, your asset allocation can be a major contributor to your stress levels or can help with reducing it.