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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.

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Our thinking

Embark Investor Confidence Barometer

Exclusive to Embark: Our biannual survey of investor confidence, and the only place advisers can compare the views of peers, advised investors and unadvised investors

Managing investment risk in volatile markets

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 Insider guide to drawdown

Approaches to drawdown are many, reflecting a wealth of possible strategies and a range of client needs. Here, we interview five adviser firms to get their insights on how they approach drawdown.

Diversification: The only free lunch?

By David Norman, TCF Investment

Embark Adviser newsletter

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 ‘black swan’ event of the coronavirus: time for a long-term perspective

By Zehrid Osmani

COVID-19, Embark Adviser newsletter

With markets experiencing their worst falls since the global financial crisis, we believe focusing on long-term themes is more important than ever for investors. Here we outline a pragmatic view of the current situation and how our investment philosophy enables a balanced and opportunistic response to market conditions.

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Using judgement with automation to avoid another failure in Portfolio Risk Management

By Shahid Chaudhri

Embark Adviser newsletter

A decade ago, The Times of London published my article “How to Prevent Another Failure in Risk Management”. I stressed the need for a multi-pronged approach towards risk management, comprising a combination of qualitative and quantitative techniques, for regulators to detect early signs of an imminent crisis.

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COVID-19 crisis - scenarios for the next phase

By Peter Toogood, CIO, Embark Group

COVID-19, Embark Adviser newsletter

Although uncertainty about the future is extremely high, it is helpful to consider scenarios that may play out from here. From a financial market perspective, the variables that dictate the duration and depth of this bear market are clear.

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The anatomy of a bear market

By Peter Toogood, CIO, Embark Group

COVID-19, Embark Adviser newsletter

Bear markets are punctuated by high volatility and sharp rallies. Here are some thoughts on what we can expect in this time of crisis. The initial phase is typified by a significant drop in asset prices in a very short space of time.

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COVID-19 crisis - back to basics

By Peter Toogood, CIO, Embark Group

COVID-19, Embark Adviser newsletter

As a research team, The Adviser Centre are reading as much as they can about the COVID-19 virus in order to understand more about the potential economic consequences of the crisis. Following their guidance note posted on 16 March 2020, they offer some further thoughts

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