Welcome to a new year – it has certainly started off with a huge degree of volatility. Much of it is because of uncertainty about economic conditions generally thanks to Trump, Brexit, and the ongoing conflict between the US and China.

But as we move into 2019 with all its hope and uncertainty, remember that there is much more to taking care of your finances than merely watching the markets. A good metaphor is an injured leg from a sporting mishap – naturally you would pay particular attention to that leg, but you would be foolish if you became so focused on it that you neglected all the other aspects of life.