• 5 min read
• Published on 21 July 2025
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View the full Basket:The Resilient Premium Consumer
Every time I open a newspaper, it seems the world is ending. Inflation is rampant, interest rates are climbing, and the average person is clutching their wallet so tightly their knuckles have turned white. And yet, some people seem to have missed the memo. While most of us are debating whether we can justify turning the heating on, a certain segment of society is still happily splashing out on five-star holidays and designer handbags.
It’s a strange paradox, isn’t it? This creates a fascinating, if slightly galling, situation for investors. While the companies catering to the masses are bracing for impact, those serving the very well-off might just sail through the storm. To me, it suggests that looking at where the money is, rather than where it isn't, could be a rather pragmatic strategy.
View the full Basket:The Resilient Premium Consumer
I think we’re living in a two-speed economy. There’s the slow lane, where most of us are stuck, watching the price of milk and petrol with a growing sense of dread. Then there’s the fast lane. The recent figures from American Express tell this story perfectly. They reported record revenues, driven not by you and me, but by their premium cardholders who are spending as if the last few years simply never happened.
This isn't just a fluke. The wealthy are often insulated from the economic shocks that rattle everyone else. A jump in the cost of living is an inconvenience, not a crisis, when it represents a tiny fraction of your wealth. Their spending is less about necessity and more about desire, and desire, it turns out, is remarkably resilient. This creates a potential buffer for companies that have built their entire business model around catering to this very specific, and very flush, clientele.
View the full Basket:The Resilient Premium Consumer
There’s a peculiar logic in the world of luxury that defies common sense. For most products, if the price goes up, demand goes down. Simple. But for what economists call "Veblen goods", the opposite can be true. A higher price tag doesn't deter buyers, it attracts them. It screams exclusivity, quality, and status. A £5,000 handbag is desirable precisely because it costs £5,000.
This gives luxury brands an incredible power. While a supermarket has to fight tooth and nail over pennies, a high-end fashion house can often raise its prices and find its customers are even more eager to buy. It’s this pricing power that can help protect their profits when the cost of materials or transport goes up. It’s a different world, with different rules. It’s this kind of thinking that underpins a collection of stocks like the Premium Consumption, which groups together companies banking on the well-heeled.
View the full Basket:The Resilient Premium Consumer
Now, before you get carried away, let’s be clear. Investing in luxury is not a guaranteed ticket to riches. These are still consumer stocks, and they carry risks. A deep and prolonged recession will eventually hit everyone, even the wealthiest among us, particularly if their own investment portfolios take a battering. Fashion is also notoriously fickle. What’s desirable today can be gathering dust in an outlet store tomorrow. Brands like Ralph Lauren, Capri Holdings, and Tapestry have built strong reputations, but they must constantly work to stay relevant. There’s no room for complacency. Any investor should weigh these potential rewards against the very real possibility that things could go south.
View the full Basket:The Resilient Premium Consumer
View the full Basket:The Resilient Premium Consumer
View the full Basket:The Resilient Premium Consumer
View the full Basket:The Resilient Premium Consumer
View the full Basket:The Resilient Premium Consumer
View the full Basket:The Resilient Premium Consumer
This article is marketing material and should not be construed as investment advice. No information set out in this article be considered, as advice, recommendation, offer, or a solicitation, to buy or sell any financial product, nor is it financial, investment, or trading advice. Any references to specific financial product or investment strategy are for illustrative / educational purposes only and subject to change without notice. It is the investor’s responsibility to evaluate any prospective investment, assess their own financial situation, and seek independent professional advice. Past performance is not indicative of future results. Please refer to our Risk Disclosure.
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