Welcome to the Embark monthly newsletter.
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.
These articles are intended for regulated financial advisers and intermediaries only.
In this edition, we cover topics including financial planning for clients going through divorce, a post-pandemic perspective on dividends, investing to build more sustainable cities, intergenerational wealth transfer, the lowdown on DB SSAS, strategies for decumulation, and what we can expect with a Biden presidency on the horizon.
ADVISERS: DIVORCE SHOULD BRING YOU CLOSER
By David Downie, Embark Group
With around 40% of marriages now ending in divorce, the likelihood of it affecting some of your clients, with significant consequences for their financial planning, is high. It creates particular complexities for the allocation of pensions – meaning the IFA has a critical role to play in helping clients understand their situation and navigate accordingly…
THE GREAT DIVIDEND CRISIS
By James Dow, Baillie Gifford
The collapse of corporate dividends following the Covid-19 pandemic has been unprecedented. With whole sectors forced to severely reduce or cut their dividends altogether, it’s hard to know where to turn. However, the question to ask is not: what companies can I buy to plug this year’s income gap? Rather, it should be: what companies do I believe have a strong future once this crisis has passed?...
BUILDING BETTER CITIES: FROM LOS ANGELES TO COPENHAGEN
By Peter Michaelis, Liontrust
Currently our cities emit 50-60% of global greenhouse gases (GHG), and with urban populations set to rise to 6.5 billion in 30 years, a sustainable future is impossible without significantly transforming how we build and manage them. By strategically employing capital with progressive, sustainable companies, there is a significant opportunity to play a key role in positively shaping the world inherited by future generations...
TUNE IN AND DOWNLOAD THE LATEST EMBARKPOD
We continue to bring together thought leaders, finance professionals and commentators to discuss – and debate – hot topics within the FinTech industry.
The latest EmbarkPod episode contains a conversation between Oxford Risk’s Greg Davies and Be-IQ’s Neil Bage to discuss behavioural insights, personality and what makes people tick when it comes to investing.
Subscribe to and download the series via Apple Podcasts, Google Podcasts, Spotify and TuneIn/Alexa to get the latest episode each month.
INTERGENERATIONAL WEALTH TRANSFER – OPPORTUNITY OR CHALLENGE?
By Gillian Hepburn, Schroders
80% of financial advisers see a significant business opportunity in the £1 trillion of assets set to flow to future generations over the next decade, but only 9% are facilitating conversations within families to help manage this transfer. Amidst a host of challenges, how can financial advisers position themselves to ensure they maximise this opportunity?
THE DB SSAS: WHO BARES WINS?
By Alan Goldbeer, Embark Group
A Defined Benefit (DB) SSAS is a specialist product, and certainly not right for every client. But in the hands of the right adviser, whose client fits the profile, it can be a powerful way to convert company wealth to pension wealth. With HMRC registration taking four, five or even six months to complete, if you are planning a new DB SSAS for your clients this side of the tax year it’s worth exploring now…
JOIN OUR LATEST WEBINAR
A year like 2020 poses many questions. What do fund managers do in times of extreme volatility? How do asset allocators account for black swan events? How can advisers best meet clients' needs in a changing world?
Join us for our upcoming live CPD webinar on 25th November, where experts representing the three layers of our Horizon management process will debate and discuss these issues and, crucially, discuss what they mean for advisers and their clients in 2021 and beyond.
Hosted by Richard Romer-Lee, Managing Director of Square Mile Research, our expert speakers include Thomas Rostron, CFA, CEO at Embark Investments; Salman Ansari, PhD, Director of Applied Research at EValue; and Alex Lyle, Head of Managed Funds at Columbia Threadneedle Investments EMEA APAC.
ACCUMULATION VS. DECUMULATION INVESTMENT PORTFOLIOS
By Geoff Brooks, Alpha Beta Partners
One of the primary risks in decumulation is the risk of having to reduce withdrawals in the future to avoid exhausting a pension pot. This risk is directly related to the likelihood of, and the damage caused by, suffering large losses. However, sequence risk, the risk of suffering a series of poor annual returns while in decumulation, can now be scientifically measured for any given asset allocation and new options are available to manage clients through decumulation…
BIDEN PASSES 270: BUT WHAT DOES THE FUTURE HOLD?
By Colin Moore, Columbia Threadneedle Investments
With the US Presidential election decided, barring legal challenges, Joe Biden’s first order of business will be to mitigate the impact of the Covid-19 pandemic on the US economy and on the lives of those most impacted. However, the possibility of split control of Congress – a Democratic House and a Republican Senate – is likely to impact his administration’s ability to implement change…
UPDATES FROM ELSEWHERE
Our Horizon Multi-Asset fund range has been introduced into Square Mile’s Academy of Funds with a 'Recommended' rating.
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We hope you enjoy the newsletter and welcome your feedback on what you would like to hear from the Embark Group.
Kind regards,
Phil Smith
Chief Executive Officer, Embark Group
e marketing@embarkgroup.co.uk
w embarkgroup.co.uk
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Embark Group Limited is a company incorporated in England and Wales and is the holding vehicle for all companies in the Embark Group. Company Registration number: 03578067. All subsidiary companies that provide regulated services are authorised and regulated by the Financial Conduct Authority. Details of the Embark Group companies, their regulatory status and registration numbers are available on our website embarkgroup.co.uk.
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