From Britannia’s CEO Gavin Dixon

Enjoy a Happy Retirement with Britannia Financial

You may be aware that investment markets dropped in the final quarter of 2018, which pulled back some of the positive returns Britannia funds have experienced in recent times. So far 2019 has seen strong performance from equities with some markets, notably the US, regaining the ground that was lost at the end of last year. 

Positive and negative market movements are a constant in the investment world – there will always be ups and downs, but markets bounce back and investments in funds such as ours have done well over the medium and long-term.  

We’ve answered a few common questions people have about their investments.

Q: Why has there been so much downward and upward movement in investment markets recently?
Share prices fell sharply at the end of 2018. The fall was basically a result of worry about global trade and US interest rates. So far, in 2019, there seems to be more consistent good news which has seen global sharemarkets recovering their losses.

Q: What is the outlook for the market in the year ahead?
It’s always hard to tell but currently the mood is relatively buoyant, so asset prices are up and even some bad news is getting shrugged off. The major reason is that interest rates are low and expected to stay low. This means that investments like term deposits have lower returns making equities an attractive alternative, forcing share prices up.

Q: What should I do?
Make sure your investment choices meet your needs and match the level of risk that you are willing to take. Market movements should not be the sole reason for changing your investment strategy, it’s about staying in for the long-term and riding through the inevitable fluctuations in investment values. If you’re concerned about your current investment choices, then the best thing you can do is talk to your Britannia adviser.

Q: How can I find out how my investment is performing?
Login to your account at to see your balance or print a more detailed report. If you have any additional questions about your investment it’s best to contact your adviser in the first instance.


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Product Disclosure Statements for the Britannia Retirement Scheme and the Integral Master Trust are available from the schemes’ issuer, Britannia Financial Services Limited, phone 0800 500 811. Britannia Financial Services Limited is a Registered Financial Service Provider.

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