Clients

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To all clients and partners,

I am writing to tell you of the steps that we have taken across the Harwood Wealth Management Group in relation to the Covid-19 pandemic.

We continue to ensure that the safety of our clients and employees remains our priority and since the start of the outbreak we have been assessing potential disruption and planning accordingly in line with our established Business Continuity Plans.

At this time the majority of our staff continue to work from home and whilst we are cautiously returning to more ‘normal’ working conditions this is only where it is necessary to do so and in accordance with government guidelines.

Since March last year we have been evolving our practices including our IT infrastructure and as a result have found ways to work more efficiently and effectively.  We are of course looking forward to meeting in person once again and enjoying collaboration with both clients and staff.  We hope to continue to do this in the ways that suit the needs of our clients as well as maintaining our uninterrupted provision of financial services.

We hope that you and your family stay safe and well.

Kind regards

Neil Dunkley

Managing Director

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IMS Monthly Update

  • 1st September 2021

    One of the themes from the quarterly review centred on the sustainability of the market rally we’ve enjoyed since the second quarter of 2020. The recovery from the pandemic low point has been unusual both in how quickly it occurred and also in its scale. In some markets, such as the American S&P 500, it took just 6 months for share prices to bounce back while many of the main indices in the EU reached their previous highs after a year. In the UK, the FTSE 100 is not quite back to its former level, but as we’ve discussed before, there are other factors at play that have held back our recovery.


  • 1st July 2021

    The first half of a year that saw us take the first stuttering steps back to normality ended on a positive note with the new Health Secretary suggesting that Covid restrictions for England would come to an end later this month. And for those of a footballing persuasion, the good news kept on coming. However, while the pandemic remained a recurrent theme over the period, the dominant story from an investment perspective was the return of inflation.


  • 1st June 2021

    All of the IMS portfolios have a mandate that specifies a minimum and maximum level of equity which sets the tramlines between which we have to remain. Below this high level view there are a number of other constraints that detail the maximum and minimum weight we can allocate to a fund, how many sectors we must include, and so on. These mandates were set out when the portfolios were originally created and they form the framework around which we build our asset allocations and fund selections.


  • 1st April 2021

    March is typically a wet and pretty miserable month, and that felt especially the case as we began yet more weeks of lockdown, with our freedoms to travel and to socialise limited. However, towards its end we entered British summer time, with the clocks springing forward to give us an additional hour of evening light, many areas enjoyed record high temperatures, and, as we headed into the 4-day Easter bank holiday weekend, we passed the first stop on Boris Johnson’s roadmap for unwinding lockdown restrictions.


  • 1st March 2021

    This update was written on the anniversary of when Covid first started to impact on global markets. By the end of February 2020 the virus had been devastating China for over a month, but western economies had remained bizarrely aloof. That all changed when Italy became the first western country to shows signs that we might not be immune. It is often said that hindsight is 20-20 which seems to be a rather fitting saying given the lack of awareness or reaction from governments in the early part of that year.