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Insights

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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COVID-19 crisis - back to basics

By Peter Toogood, CIO, Embark Group

COVID-19, Embark Adviser newsletter

As a research team, The Adviser Centre are reading as much as they can about the COVID-19 virus in order to understand more about the potential economic consequences of the crisis. Following their guidance note posted on 16 March 2020, they offer some further thoughts

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COVID-19 crisis - economies, markets and policy responses

By Peter Toogood, CIO, Embark Group

COVID-19, Embark Adviser newsletter

The reaction of financial markets to the spread of Covid-19 has been dramatic and, as economic statistics roll in over the coming weeks and months, and companies report their earnings, the actual scale of the damage will become clearer.

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Key Budget changes on the IFA agenda

By David Lowe

Embark Adviser newsletter

The key announcements made in the Budget that will impact IFAs and their clients comes in the context of a massive fiscal boost for the economy of £30bn and a remarkable increase in regional, housing and infrastructure spending of more than £600bn over the life of this Parliament.

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