There is no doubt that there is a growing awareness and interest in ethical and environmental concerns; people are changing the way they live to reflect those issues.

Why do we invest? Clearly, it is to make money. How we invest, in which products and the way we allocate that money between markets and asset classes will determine the potential return we receive.

The introduction of new allowances and exemptions in recent years, as well as increases in rates from April 2019, means the tax system has become more complicated for earners, savers and investors.

One of the issues arising from the ‘pension freedoms’ is that people who take lump sums out of their pension funds have found themselves over- taxed on an ‘emergency’ basis.

Amongst the many subjects I will be covering in our next seminar will be structured products - an investment area that Lowes has become synonymous with.

In 2009 the Zimbabwean government issued the largest denomination of currency ever – the Z$100 trillion bill – as a direct result of the currency’s hyperinflation