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Articles by David Norman

David Norman

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.

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

By David Norman

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

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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