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16th May 2025

Cappuccino Commentary

A relaxed read on the issues of the day

April certainly wasn’t short on market volatility as investors grappled with Trump’s erratic trade policies. It now feels like a lifetime ago since Trump announced his “reciprocal” tariffs during April 2nd’s “liberation day”. They triggered sharp market declines and a major spike in volatility across asset classes. Market sentiment improved after Trump announced he would pause tariffs for 90-days (initially except for China). Markets began to recover much of their losses, but despite this, economic data weakened over the period with the US economy contracting 0.3% in Q1 and US consumer confidence fell to its lowest level since the Covid outbreak.

Nearly every region posted a negative equity return in April. The US was the worst performing region declining by -2.6%. This had a big knock-on effect on global equities (the US represents roughly 70% of the global market) and dragged down the global index by -1.4%. It’s worth noting that these returns were exacerbated by US dollar weakness as the pound appreciated 7.5% against the dollar. As noted already this year, the UK has proven to be more resilient in the equity-market downturn, and only fell -0.1% in April. And on a more positive note, Europe was an outlier with the European equity markets posting a small gain of 0.3% for the month. The European region is benefitting from several factors including fresh economic stimulus, attractive relative valuations and a more benign inflation outlook.

Bond markets certainly weren’t immune to all the volatility, but they did provide a decent counter to falling stock markets and generated gains over the period. The market’s initial reaction has been that tariffs will impact global growth, providing central banks with the ability to cut interest rates. As a results markets are pricing in further interest rate cuts by the Fed, BoE and ECB. We saw the first cut by the BoE last week, and as market interest rates fall, the price of those interest baring bonds such as Gilts and Treasuries rise.

Precious metals outperformed significantly. Gold prices rallied to an all-time high of $3,500 per ounce on 22nd April. Aside from precious metals, most other industrial-linked commodities fell sharply in April, dragging the three month returns into negative territory. Energy commodities fell by double digits in April alone amid rising fears and a decision from OPEC members to increase oil supplies.

Things have already moved on rapidly in the first two weeks of May. In just the last week we’ve seen the UK and US reach an “Economic Prosperity Deal” and the US and China slash tariffs and pause their trade war.

With Congress needed to approve any major trade deal, there will be plenty more negotiations between the UK and US in the months ahead, but the major agreements so far include a significant cut to car tariffs, the scrapping of the steel and aluminium tariff and the UK’s removal of its 20% tariff on US beef.

Negotiations between the US and China will obviously continue during the current 90-day pause, but the tariff climbdown has been very well received by markets and comes well ahead of previous market expectations.

Regardless of the more positive and progressive news we’ve had so far in May, the outlook for the remainder of 2025 remains uncertain and looks set to be dominated by geopolitics and the whims of Trump. In this heightened uncertainty being well diversified is prudent, though as ever market volatility may create opportunities. A calm head is certainly required in such times…

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