Cookie Settings

With the recent Covid-19 outbreak, we are taking precautions within Embark Platform to ensure the safety of our employees whilst also looking after our clients.

We are working hard to ensure business as usual is maintained and where possible will respond to all queries as soon as we can. However, to assist us during this difficult time we ask the following:

 

We appreciate your help and support during this time. We are doing our best to maintain our service levels, but please note our normal response times may vary during this difficult period.

For useful tools and resources, to view our workplace risk assessments or to learn more about the market impact of Coronavirus, please visit our COVID-19 page.

Articles by David Norman, TCF Investment

David Norman, TCF Investment

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.

Building clients’ trust through Investment Philosophy

By David Norman, TCF Investment

Embark Adviser

In a world of ever increasing complexity, clients can take comfort from knowing that their investments are under the stewardship of professional advisers and managers.

Read more

Diversification: The only free lunch?

By David Norman, TCF Investment

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.

Read more

The true value of IFAs

By David Norman, TCF Investment

Embark Adviser

More than ever IFAs are having to justify their value. Amidst MiFID disclosure requirements and ever-growing press scrutiny, advisers need to show what they do and why they’re worth it.

Read more

Things that successful investors don't do!

By David Norman, TCF Investment

Embark Adviser

From starting without a plan, relying on just one investment, and ignoring taxes to overlooking how much they pay for services; find out just what investors don’t do and where financial advisers have a role to play.

Read more

Noise, noise, noise!

By David Norman, TCF Investment

Embark Adviser

Investing is risky. Anyone who says otherwise is mistaken. But there are also risks in not investing - inflation being the most obvious. Unfortunately, many investors discovered a new risk during 2019 - liquidity risk - the inability to access assets when desired.

Read more