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Please note with regard our historic news, Oaktree Wealth Management rebranded to Harpsden Wealth Management as of April 2015.

Commentary, August 2020 Asset Allocation

A lot has happened over the last month since I published my quarterly commentary. Investor sentiment has shifted from focussing on the inevitable economic recovery from the deep, mandated downturn to assessing the impact of a re-escalation of virus cases in the US, Japan and […]

Q2 Commentary, July 2020

However, as previously intimated the scale of government and Central Bank responses has been breath-taking compared to history and financial markets were restored to normal functioning within a month of the crisis hitting (if one doesn’t mind this amount of government intervention in markets). This is unprecedented and has led to massive recapitalisation by the corporate sector which will in turn facilitate a more robust recovery than otherwise would be the case.

Commentary, May 2020 Asset Allocation

In April PMIs around the world have almost all hit record lows or touched 2009 levels. Car sales were down 96% in Italy and Spain and new car registrations fell by more than 97% in the UK. Japanese machine tool orders were down 40% year-on-year in March and Goldman Sachs suggested that Indian GDP could fall at a quarterly annualised rate of -45% in Q2

18th May Coronavirus Client Update

Markets have been further bolstered by massive amounts of both fiscal and monetary stimulus. Actual real economy data has set several records for its awfulness, especially in the Western World, but as economies were largely shut these numbers have been considered inevitable and thus of not much relevance to investors. How the recovery evolves from here is of much more importance.

Q1 Commentary, April 2020

We suffered in Q1 with our emphasis on dividend equities over government bonds and an average market capitalisation below benchmark. However, our analysis leads us to the conclusion that the returns from such companies have merely been deferred, not cancelled whilst government bonds have become ever more dangerous. We therefore expect to participate well when investors come to the conclusion this has been a temporary pause in global growth and it’s not the end of the world.

Coronavirus Commentary 27th March 2020

Meanwhile there is mounting evidence that much of Asia has the virus under control and that China is continuing to get back to work. This is happening just as the West is locking down so obviously exports will be impacted for the duration of such. However, it is still good to see that there is economic resurrection post the viral collapse. As we are in the early stages of lockdown it doesn’t seem like it in our daily lives at present, so another perspective is useful.

Commentary, March 2020 Asset Allocation

Since the first meeting of the year in January things have certainly escalated. We were then talking about the initial reaction of equities after the emergence of the virus in China. Now we have seen the virus take hold around the world, with Europe now the epicentre and the US not far behind.

Coronavirus Commentary 19th March 2020

The UK has already pledged £32 billion in immediate relief plus another £330 billion in loan guarantees. The US are proposing over US$1 trillion in relief including direct payments to families. Mortgage and rate relief is also being introduced.

March 2020 Budget Briefing

For the coming year, statutory sick pay will be available to more people and so will some other social security benefits. Business Rates will be reduced or even eliminated for some smaller businesses – at least in the short term. Other immediate support initiatives for smaller businesses include greater access to bank lending, as well as enhancements to the HMRC ‘Time to Pay’ service.

Coronavirus Commentary 13th March 2020

In the West equity markets have fallen more than I thought they would but in China the reaction has, hitherto, been more muted and if anything a little less dramatic than one could have anticipated.

Archive Commentaries & Briefings

We have combined our Commentaries and Briefings within our News, to make them more accessible to our website users.
If you are looking for our old Commentary and Briefing downloads, please follow these links:

Archive Commentaries

Archive Briefings


Jeremy is always easy to contact and is happy to meet as frequently as I feel is necessary. He is measured and empathetic to my situation. He always deals with ad hoc requests swiftly and he has provided advice over and above that which I am paying for.”

Stacey, London

“Roland prepares well for our review meetings and always allows plenty of time for a full discussion of our affairs and explanations of relevant new developments/legislation. He always deals with our affairs and any queries that may arise during the year promptly and efficiently. We are very pleased with all aspects of the service we receive.”

Andrew, Suffolk

“Harpsden provided us with excellent, complete and impartial advice. Jeremy Arthur’s understanding of matters peripheral to investments was very good and his knowledge enabled us to question and clarify other advice being provided by other advisers. We have complete trust in them which we have not always felt with other financial advisers.”

Amanda, Oxfordshire

“Jeremy has been an exemplary advisor, offering me excellent professional advice, showing absolute professional discretion and where appropriate connected me to useful contacts. It has to date been a pleasure working with Jeremy.”

Stephen, Oxfordshire

“Jeremy has been very professional from day one and has always taken the utmost care in finding out what I needed and how to best provide that for me. It does not end there, we meet on a regular basis to discuss where I am and any changes in my short or long term plans. I would wholeheartedly recommend Jeremy without any hesitation what so ever.”

Lis, Oxfordshire

“I completely trust Roland. He’s clear in assessing the level of risk I want to adopt, in advising on my current position and the options available, and in explaining his reasons for his advice on the best way forward. I have been using him for many years, and trust him so much that he is now also advising my wife, my 2 children, my mother and also acted (until her death) for my aunt!”

Robert, Surrey

Our Awards

New Model Adviser

Top 100 Financial Planning Firms 2019

Professional Advisor Awards 2019

Finalist: Adviser Firm of the Year – South East

Society of Trust and Estate Practitioners (STEP) 2018/19

Finalist: Financial Advisor Team of the Year 2018/19

Professional Adviser Awards 2018

Winner: Adviser firm of the year (UK)

Professional Adviser Awards 2018

Winner: Adviser firm of the year – South East

New Model Adviser

Top 100 Financial Planning Firms 2018


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