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Articles by David Norman, TCF Investment

David Norman, TCF Investment

David (DAN) Norman has held senior sales and marketing roles with life companies, banks and asset managers and was CEO of Credit Suisse Asset Management (UK) before jointly founding TCF Investment a decade ago.

Building clients’ trust through Investment Philosophy

By David Norman, TCF Investment

Embark Adviser

In a world of ever increasing complexity, clients can take comfort from knowing that their investments are under the stewardship of professional advisers and managers.

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Planning your retirement planning: what does a good CRP look like?

By David Norman, TCF Investment

Embark Adviser

The UK is getting older, with statistics estimating that by 2066 one in four of the UK population will be aged 65 or over, while five million will be 85 or over. This is creating a huge planning task for financial advisers, particularly as the number of retirees with final salary pensions is shrinking fast.

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Diversification: The only free lunch?

By David Norman, TCF Investment

Embark Adviser

The phrase that “diversification is the only free lunch in investing” is attributed to Nobel Prize winner Harry Markowitz, one of the grandfathers of modern portfolio theory. One of the cornerstones of investing is that there are no meaningful returns without risk. Investors who own volatile investments are compensated by a “risk premium,” which refers to excess return over risk-free assets, normally government bonds.

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The true value of IFAs

By David Norman, TCF Investment

Embark Adviser

More than ever IFAs are having to justify their value. Amidst MiFID disclosure requirements and ever-growing press scrutiny, advisers need to show what they do and why they’re worth it.

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Things that successful investors don't do!

By David Norman, TCF Investment

Embark Adviser

From starting without a plan, relying on just one investment, and ignoring taxes to overlooking how much they pay for services; find out just what investors don’t do and where financial advisers have a role to play.

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Noise, noise, noise!

By David Norman, TCF Investment

Embark Adviser

Investing is risky. Anyone who says otherwise is mistaken. But there are also risks in not investing - inflation being the most obvious. Unfortunately, many investors discovered a new risk during 2019 - liquidity risk - the inability to access assets when desired.

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