During the Coronavirus outbreak, we are taking precautions to protect the health of our colleagues and clients, and are working hard to ensure business as usual is maintained. We will continue to respond to all communications as quickly as we can.
Embark Group has full capabilities in place to enable all our staff to work remotely and we are doing our best to maintain our service levels, however please note response times may vary.
For useful tools and resources or to learn more about the market impact of Coronavirus, please visit our COVID-19 page.
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.
By David Norman
May 05, 2020
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.Read more
By David Norman
Apr 06, 2020
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.Read more