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Finding balance and solid returns in a rapidly-changing world

Emma-Lou Montgomery

Emma-Lou Montgomery - Fidelity Personal Investing

Important information: The value of investments and the income from them, can go down as well as up, so you may get back less than you invest.

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Two years ago today the world seemed a very different place.

On 7 February 2018 the world hadn’t heard of Greta Thunberg. It wasn’t until August of that year that the Swedish schoolgirl first staged a protest outside the Swedish parliament holding a sign that read "Skolstrejk för klimatet".

Salisbury was probably best-known for its iconic cathedral. It would be another month until it became synonymous with the Novichok nerve agent that was used to poison the former Russian agent Sergei Skripal and his daughter Yulia.

And it would be 10 months before the first UK registered 737 MAX jet left Manchester Airport on its inaugural customer flight to Malaga. And eight months before Lion Air Flight 610 crashed on 29 October, killing everyone on board.

It was early days for Brexit too. EU chief negotiator Michel Barnier had just met his British opposite number, Brexit Secretary David Davis, in London, ahead of the first talks in Brussel between their teams over the transition period, how to enforce the divorce treaty and how to ensure there would be no “hard” land border with Ireland.

Further afield, July would see US President Donald Trump follow through after months of threats to impose sweeping tariffs on China for its alleged unfair trade practices.

That same day 7 February 2018 was also the day we launched the Fidelity Select 50 Balanced Fund, a fund of funds comprising a variety of funds across a range of asset classes, all chosen from our pool of preferred Select 50 funds.

Two years later, the fund managed by Ayesha Akbar, is one of our most popular funds. With a balanced risk profile, it is most likely to appeal to investors who are happy to take some risk with their investments, but not as much risk as they would get in an equities-only fund. The Select 50 Balanced Fund can invest in a mix of assets, from equities and commodities at the higher-risk end to bonds and cash at the ‘safer’ end of the risk spectrum.

Ayesha Akbar recently spoke to our Investment Director Tom Stevenson, on the second anniversary of the fund and spoke about where she is looking at investing today in 2020, and the lessons she learned from 2019.

For this highly-experienced fund manager, staying diversified and picking funds run by other managers who will provide those all-important longer-term returns is key. A very wise move when, as we have seen, the world will no doubt look very different another two years from now - never mind another 10 or 20 years’ time.

More on Fidelity Select 50 Balanced Fund

Important information: Investors should note that the views expressed may no longer be current and may have already been acted upon. Select 50 is not a personal recommendation to buy funds. Equally, if a fund you own is not on the Select 50, we're not recommending you sell it. Overseas investments will be affected by movements in currency exchange rates. You must ensure that any fund you choose to invest in is suitable for your own personal circumstances. There is a risk that the issuers of bonds may not be able to repay the money they have borrowed or make interest payments. When interest rates rise, bonds may fall in value. Rising interest rates may cause the value of your investment to fall. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.

What you could do next

Aim to spread risk

The Fidelity Select 50 Balanced Fund aims to produce long-term capital growth from a globally-diversified range of assets.

Understand the investment landscape

Watch Tom Stevenson's analysis of the global markets and key asset classes for the next 12 months.

Get help choosing investments

Whether you need a lot of help or a little, we have the right tool to help you find an investment.

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