Insights

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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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Check out our four Consumer Duty guides which unpack how to evidence you are delivering good outcomes for your clients across the FCA’s four Consumer Duty outcomes.

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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.

AI has a dream (and it’s not about Electric Sheep)

By Sajeer Ahmed, Investment Manager, Global Equities, Aegon Asset Management

Embark Adviser newsletter

Generative AI has captured the public imagination since the public release of ChatGPT-3 in November 2022. Users have been able to use generative AI to code, complete homework, and even create award winning photographs, but ChatGPT is not the only contender in the ring. Sajeer Ahmed, Aegon AM, explores the potential for generative AI contenders currently competing in the market.

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With cash earning 5%, why risk money on the stock market?

By Duncan Lamont, Head of Strategic Research, Schroders

Embark Adviser newsletter

Savings rates have trebled in 12 months, and UK savers can earn over 5% on one-year deposits. So doesn’t it make sense to cut risk and stick to the safety of cash? Duncan Lamont, Schroders, looks into how cash savings have stood against inflation over the past few decades and how this compares to stock market investments.

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China, the US, and the three-body problem: US-China relations and lessons from history

By William Scholes, Co-Fund Manager, Emerging Markets Sustainable Fund, Premier Miton

Embark Adviser newsletter

The United States’s policy toward China is sometimes described as comprising three parts: the co-operative, the competitive and the adversarial. Each is distinct and influences overall policy toward China. What about predicting the movement of these three influential bodies? Is there a pattern, and so a historical precedent? Is that pattern one that repeats, or does it evolve? Or are we observing chaos?

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Thematic opportunities in a new regime

By Richard Bullock, Newton Investment Management

Embark Adviser newsletter

Last year ushered in a new investing regime, driven by three key global events, says Newton macro and geopolitical analyst Richard Bullock, and while creating volatility, he believes these events have also generated investment opportunities.

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Britain needs you, or does it?
Addressing the UK’s productivity puzzle

By Benji Dawes, Premier Miton

Embark Adviser newsletter

Benji Dawes, Co-fund manager of the Premier Miton Responsible UK Equity Fund identifies technology as being at the heart of the UK’s solution to its productivity puzzle.

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Strategic asset allocation must adapt to global changes

By John Husselbee, Liontrust

Embark Adviser newsletter

Investors should remember Charles Darwin’s insight that adaptation is the key to survival as the world’s economy and financial markets undergo significant changes. Such adaptation should begin with strategic asset allocation (SAA), which is the first step in constructing an investment portfolio.

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