If there is one thing you can be sure of in the unpredictable world of finance, it is that most New Year predictions will prove wrong.

Last year was a fine example, with pretty much every financial pundit across the globe failing to foresee the most dramatic market event of 2014 - the collapse in the oil price. Nor did many predict the continued decline of government bond yields. As somebody very smart once said, the definition of insanity is doing the same thing over and over again and expecting different results. So I don't expect all of these predictions to prove right. Or even most. But here goes anyway.