Hope springs eternal, yet particularly so this month as a return to normality beckons on a number of key fronts and investors are given greater reason to expect growth.

Behavioural biases, Biden and Brexit are dominating our conversations with users this month as both investment risks and opportunities are carefully weighed up.

It’s important to have a handle on how worst-case scenarios could impact your investments, but it’s equally important to take a balanced view, as our expert wealth managers explain.

Cash may feel safe in volatile times, but savers are realising that it might be anything but in today’s toxic mix of record low rates and potential inflation.

Investors are used to rock-bottom interest levels, but now the prospect of negative rates is coming into view – necessitating a wholesale review of many people’s financial strategies.

Securing better-value fees is one of the most powerful moves you can take to make sure your wealth grows as strongly as it can, but there is still too little appreciation that net returns are the figures to pay attention to.

Equities investors have lots to weight up as they decide on the markets, sectors and companies well positioned for the months ahead, and there are both risks and opportunities it would be costly to miss.

Picking winning stocks, how much to allocate to alternatives and the ramifications of the forthcoming US elections are top of investors’ concerns this month, alongside proactive estate planning.

Joining this year’s rush of “goldbugs” might seem tempting if growth predictions are to be believed, but investors must look at their portfolio in the round first.