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Start as you mean to go on: Help clients have a Clever New Year

Start as you mean to go on: Help clients have a Clever New Year

Start as you mean to go on: Help clients have a Clever New Year

2025 was marked by shifting policy, geopolitical tension and rapid changes in investor sentiment. While easing inflation and cautious rate cuts supported markets, trade tensions repeatedly triggered volatility. Sharp sell-offs—most notably in April following US tariff announcements—were followed by swift recoveries, underscoring market resilience. The year reinforced the value of diversification, discipline and a long-term approach as leadership rotated across regions, sector

Jan 84 min read

A person looking in a mirror or a face split into two halves — one confident/successful, the other stressed/disappointed.

A person looking in a mirror or a face split into two halves — one confident/successful, the other stressed/disappointed.

Understanding Self-Attribution Bias

Understanding self-attribution bias is key to improving financial decision-making. This bias leads us to credit success to our own skills while blaming failure on external factors. While it can protect self-esteem, it may also prevent learning from mistakes. In finance, this can result in overconfidence and missed opportunities. Becoming aware of this bias helps investors and advisers make more objective, data-driven decisions.

Mar 24, 20253 min read

Clever.

01244 346343

sales@cleveradviser.com

sales@cleveradviser.com

01244 346343

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Clever Adviser Technology Ltd. Registered office: Watergate House, 85 Watergate Street, Chester, CH1 2LF. Registered in England No. 02910523.

Clever Investment Management Ltd is authorised and regulated by the Financial Conduct Authority (reference number 1012442). Registered office: Watergate House, 85 Watergate Street, Chester, CH1 2LF. Registered in England No. 13850171.

Risk Warnings.

Capital is at risk. The value and income from investments can go down as well as up and are not guaranteed. An investor may get back significantly less than they invest. Past performance is not a reliable indicator of current or future performance and should not be the sole factor considered when selecting portfolios. Investments may include emerging market, smaller company and commodity funds which may be higher risk than other asset classes. Investments in fixed interest funds are subject to market and credit risk and will be impacted by changes in interest rates. Changes in exchange rates may affect the value of the underlying investments. Investments in Property funds carry specific risks relating to liquidity. Property funds can go through periods, known as ‘gating’, when it may not be possible to trade in or out of the funds and to access your money during such periods. The portfolios may invest a large part of their assets in funds for which investment decisions are made independently of the portfolios. If these investment managers perform poorly, the value of the portfolios is likely to be adversely affected. Investment in funds may also lead to additional fees arising from holding these funds.

Regulatory Information.

All information presented herein is considered to be accurate at the time of production, but no warranty of accuracy is given and no liability in respect of any error or omission is accepted. Clever Investment Management Ltd is authorised and regulated by the Financial Conduct Authority (reference number 1012442). Registered office: Watergate House, 85 Watergate Street, Chester, CH1 2LF. Registered in England No. 13850171.

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