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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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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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Our review of Q1 in 2020

By Peter Toogood, Embark Group

Embark Adviser, General news

In our current extraordinary circumstances, it is hard to believe that the term “COVID-19” was unknown to us at the beginning of the quarter.  Risk assets may have started the year in relatively buoyant form, but the shadow of the coronavirus soon made its presence felt.

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Market emergency survival

By Greg B Davies, Oxford Risk

Embark Adviser

Finding the right words in a crisis is never easy. However, when it comes to knowing what to say and how to say it – to yourself or others – one cure does not always fit all. Every client experiences anxiety in different ways, and so it’s up to advisers to find personalised ways of helping them cope.

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Meeting FCA expectations on SMCR

By Sara Wilson

COVID-19, Embark Adviser

With the recent UK General Election stealing the headlines, the extension of the FCA’s Senior Managers and Certification Regime (SMCR) in December passed relatively unnoticed. Even with the situation created by COVID-19, advisers will still need to work through its implementation.

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

By Zehrid Osmani

COVID-19, Embark Adviser

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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