Invested in discipline: why strong planning continues to deliver in uncertain times

Despite ongoing economic and geopolitical uncertainty, the second quarter of 2025 brought encouraging news for investors. Recent industry data shows that UK adviser platforms experienced their highest net sales in three years, a clear sign that long-term investment discipline remains strong.

The increase in both gross and net flows suggests that investors continue to recognise the value of professional financial planning. Whether navigating complex tax changes, volatile markets, or shifting interest rate expectations, more individuals are turning to financial advisers to provide structure, confidence, and long-term personalised plan.

Market performance in recent months has withstood headwinds from international tensions and policy shifts, particularly those originating from the United States. While headlines may be unsettling, investor behaviour tells a different story: one of resilience, prudence, and commitment to long-term financial goals. As conflict reignited in the Middle East, the Economist neatly captured this trend in its article “Investors ignore world-changing news. Rightly.”

Notably, ISA subscriptions have reached their highest levels since 2022, reinforcing the importance of utilising available tax allowances.

While hopes for further interest rate cuts in 2025 have been tempered, this environment underscores the importance of strategic planning. With future budgets potentially introducing tax changes or new fiscal pressures, the need for clear, tailored financial advice remains critical.

As John Bell, Technical Director at Carbon observes the Autumn 2024 budget “rewrote the tax rulebook, layering complexity onto an already intricate system while leaving the public finances unresolved. As speculation around the Chancellor’s next move grows, clients are facing an increasingly uncertain and fluid tax regime prone to sudden change. This makes sound financial planning not just helpful but essential.”

We expect to see continued new business in the second half of the year, the underlying message is clear: investors are staying engaged, advisers remain essential, and long-term financial planning continues to deliver value.

At Carbon Financial Partners, we believe strong planning, not market timing, delivers the best outcomes. These latest figures support what we tell clients every day: staying invested and disciplined pays off over time.

If you have questions about your current strategy, or how upcoming policy changes might affect your financial plan, we’re here to help. Contact us enquiries@carbonfinancial.co.uk or call 0131 220 0000.

The value of investments and the income derived from them can fall as well as rise. You may not get back what you invest.

This communication is for general information only and is not intended to be individual advice. It represents our understanding of law and HM Revenue & Customs practice. You are recommended to seek competent professional advice before taking any action.

Tax and Estate Planning Services are not regulated by the Financial Conduct Authority.