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News & Insights

Our review of Q1 in 2020

By Peter Toogood, CIO, Embark Group

Embark Adviser newsletter, 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, PhD - Head of Behavioural Science, Oxford Risk

Embark Adviser newsletter

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 newsletter

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 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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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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