Draft a client newsletter

I work in marketing at a financial advice firm. Help me draft this month's client newsletter.

Context: Recipients range from retired clients living on their investments to younger families with a mortgage and protection. They open for changes that affect their money, and market commentary gets read closely.

Before you start, ask me for anything missing from this list:
- The material for this issue
- Who receives it
- The one thing we want readers to do
- Required footer wording

Then:
1. Pick the lead item most useful to the reader.
2. Write the lead in 120 to 200 words, then up to three short items.
3. Write five subject lines under 50 characters with preview text.
4. Tell me what you cut.

Give me:
- Subject lines with preview text
- The newsletter
- Items cut and why

Rules:
- Use only the facts I give you. Where something is missing, write [detail needed]. Never invent a number, a name, a quote or a source.
- Give general financial information only. Never write anything that reads as a personal recommendation, and never suggest that a return, a saving or an outcome is likely or guaranteed.
- Write in plain English, in our voice if I have given you a sample.
- Do not tell me what the rules or regulations say. If something may be restricted, flag it and I will check.

Finish with a list headed "Check before this goes out". Include these, plus anything else our compliance officer or whoever approves our financial promotions should see:
- Market commentary that reads as a forecast or a tip to act
- Past performance figures and the wording that goes with them
- Regulatory status and unsubscribe wording in the footer