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By any standards, the last quarter of 2018 was a turbulent one for world stock markets. We report on 11 major markets in this Report: nine of them were down in the final three months of the year, in some cases significantly, as 2018 turned into the worst year for global markets since 2008.

As we have stressed many times, saving and investing is a long term commitment: there will be occasional bad years and the year just ended reinforced that point – but rest assured that whatever happens, we are always here to answer your questions and make sure your longterm financial planning remains on track.

So what did happen?

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