9 April 2025
When markets are turbulent it can be unsettling. We have spoken to many of our customers recently and they have shared questions around falling prices and underperformance. If you are unsure on whether to invest, pull out or wait – you are not alone. To help you make the right choice we wanted to reach out and try help you navigate any uncertainty you might have.
Here are a few key thoughts to help you feel confident in your future investing decisions.
It’s been a challenging period across many different asset classes – but this is part of the normal market cycle. Different sectors dip and lead at different times, diversification is the most powerful tool available to investors to help navigate these cycles. Let’s review how your funds are positioned and whether any small adjustments could make a difference over time.
Markets are unpredictable – this has always been the case. Historically staying invested has led to better outcomes. It's good to keep in mind that this is part of the investment journey and to not let short term volatility affect long term goals.
Reacting quickly can be the right course but only if the decision is well informed and in line with your goals. A well-constructed portfolio is built to weather different market conditions — and often, the best strategy is to focus on long-term goals rather than short-term noise. If your circumstances or goals have changed, we’re here to help you adapt. But if they have not, holding steady may be the wisest move.
Short term dips are disappointing to see, but it’s important to remember that performance never moves in a straight line. Markets move in cycles, what is down today can lead tomorrow. Staying diversified helps smoothen the ride and can also open new opportunities.
Exiting after a drop means locking in losses. While waiting too long to reinvest may mean missing out on growth opportunities. Data shows that those who stay invested, even partially through the cycles of investing tend to recover better and build long term value. Consistent investing through strategic monthly contributions can help reduce risk and build long term growth, even in uncertain markets.
Uncertainty is a part of investing — but so is progress. The most successful investors aren’t those who avoid every dip, but those who build a plan, stay flexible, and keep perspective.
We’re here to help you do just that. If you’d like to talk through your current portfolio, reassess your goals, or simply gain clarity, let’s start the conversation.
We’re not trying to sell you any products or services, we’re just sharing information. This information isn’t tailored for you. It’s important you consider a range of factors when making investment decisions, and if you need help, speak to a financial adviser.
As with all investments, historical data shouldn’t be taken as an indication of future performance. We can’t be held responsible for any financial decisions you make because of this information. Investing comes with risks, and there’s a chance you might not get back as much as you put in.
This document provides you with information about markets or economic events. We use publicly available information, which we believe is reliable but we haven’t verified the information so we can’t guarantee its accuracy.
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This document is prepared by, or on behalf of, HSBC UK Bank Plc, which is owned by HSBC Holdings plc. HSBC’s corporate address is 1 Centenary Square, Birmingham BI IHQ United Kingdom. HSBC UK is governed by the laws of England and Wales. We’re authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA. Our firm reference number is 765112 and our company registration number is 9928412.
