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Insights

Below you will find the latest articles covering a wide range of issues and topics relevant to financial advisers. Articles are written by contributors from Embark’s businesses as well as other partners and providers and are not promotional or sponsored.

These articles are intended for regulated financial advisers and intermediaries only.

You can keep up-to-date by joining our mailing list to receive our monthly newsletter, Embark Adviser. Read our latest newsletter. To sign up, fill out our simple registration form below.

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Our thinking

Embark Investor Confidence Barometer

Our twice-annual survey of investor confidence, and the ONLY place advisers can compare and contrast the views of both advised and unadvised consumers on a range of issues. 3rd edition out now.

Managing investment risk in volatile markets

We have produced a short series on managing investment risk in volatile markets. It includes articles, insights and tips to help you keep clients educated and informed.

The Great Dividend Crisis

By James Dow, Co-head of Global Income Growth, Baillie Gifford & Co.

COVID-19, Embark Adviser newsletter

Unprecedented. That is the only word to describe the collapse of corporate dividends as a result of the Covid-19 pandemic. The scale of the setback has exceeded even that from the Great Financial Crisis just over a decade ago, particularly in the UK.

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Accumulation vs. decumulation investment portfolios

By Geoff Brooks, CEO, Alpha Beta Partners

Embark Adviser newsletter

"Decumulation strategies are still in their infancy. There is a danger that accumulation carries on into decumulation..." To illustrate the problem, consider this example of two independently-constructed, mixed-asset growth portfolios... Both are widely available in the market today.

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Advisers: divorce should bring you closer

By David Downie, Group Chief Actuary, Embark Group

Embark Adviser newsletter

With c.40% of marriages ending in divorce currently, the likelihood is that this will affect some of your clients, meaning the adviser role is critical... but how?

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The DB SSAS: Who bares wins?

By Alan Godbeer, Regional Sales Director, Rowanmoor

Embark Adviser newsletter

Increasing numbers of business owners would prefer to pay company contributions for their key Directors but are frustrated by restrictions. Options such as Defined Benefit SSAS (DB SSAS) provide the means to offer a more valuable future pension for limited company business owners – a powerful way to convert company wealth to pension wealth.

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Investigating Behavioural Insights and Investment Personality: Episode 2 of EmbarkPod

By Ross Fisher, Embark Group

Embark Adviser newsletter

This month, Greg Davies from Oxford Risk and Be-IQ’s Neil Bage discuss behavioural insights, investment personalities and the tech that goes behind helping people make informed decisions in the second episode of EmbarkPod.

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Managing investment risk in volatile markets - part three: The power of stochastic models

By Scott Sinclair, Embark Group

Embark Adviser newsletter, Managing risk

Multi-asset funds underpinned by long-term strategic asset allocation can have some unexpected benefits for investors. This is part three in the series.

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