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Business as usual?

23/03/2020 … Author:

In my column in the last issue of the Lowes Magazine when discussing the stockmarket, I stated that ‘any euphoria that this was going to be a very different year was short-lived and it looks like it will be business as usual’  Well, as it turned out, there certainly isn’t any euphoria and it is anything but ‘business as usual’.

To say that a lot has happened since my letter to clients of 9th March is a significant understatement but despite everything, I am pleased to advise that, postal service aside, we are close to fully operational, albeit with personnel and Consultants working remotely, over secure connections back to the office servers.

I appreciate that these are troubling times with a lot of unknowns, but our investment advice remains the same – do not crystalise losses – wherever possible, stay invested to benefit from the recovery because a recovery will come.  It should be obvious by now that governments around the world are going to do whatever it takes to help support businesses and their employees. At the time of writing the FTSE 100 Index has declined over 30% year to date but I am pleased to report that most of our model portfolios have not fallen by anywhere near as much.  Fund managers will be adapting their individual investment strategies, where appropriate, to account for the current situation and whilst early surrender values of structured products will be low, we are still some way from seeing any of the main indices breach capital protection barriers for any Lowes ‘Preferred’ plans.  These structures will continue as per their stated terms and whether it’s these, or other investments, please focus on the outcome, not the daily noise.

We do not know how long the current situation is going to last and investments aside, whilst financial planning might be furthest from your mind right now, once the boredom sets in it might be a good time to review wills, lasting powers of attorney and all other financial matters.  Whilst our Consultants will be busy and working in unusual circumstances, you might wish to book a telephone consultation for a few weeks’ time.  If you also wish to extend this offer to family and friends, please do so.


To get in touch during the lockdown please either send an email to:

Or call one of the following numbers noting that these are not our normal contact numbers and will only be used during the lockdown:

0751 413 4786 or 0751 233 0434

From there we will ultimately put you in touch with the right people. Please appreciate that this is not business as usual but we will do our best to ensure full service continues. Please also note that we can no longer rely upon the postal service for inbound or outbound mail. 

In closing, I have to admit that this is one of the strangest and most challenging episodes Lowes has seen in its 50-year history and whilst I can’t promise that we will be able to function with normal efficiency over the coming weeks, we have a phenomenal team of dedicated people who are determined to continue to provide support to try and maintain some sort of normality for clients.  Please understand that we are all doing our best and will continue to do so.

Please stay safe.

Kind regards

Ian Lowes
Managing Director


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