Broker in Focus is a dedicated series that highlights the unique journeys of mortgage brokers
providing them with a platform to share their experiences
Through compelling personal stories and professional reflections
each featured broker recounts the key moments that have shaped their careers
delves into the challenges and opportunities facing the industry today
and shares the valuable wisdom they have gained along the way
MPA interviewed Janine Ashmore (pictured above)
whose entry into mortgage broking in 2004 was anything but conventional
Initially working in conveyancing while raising her young children
she stumbled into the industry when she and her husband purchased a home in Darwin
she saw an opportunity to offer better service
We were buying a home and used the newly opened Wizard office in Darwin to do our home loan
Our conveyancing experience during this process was appalling with me having to do most of the work myself
I decided to start an at-home business doing conveyancing as a great way to earn a living and utilise my legal training
as well as being able to look after a two- and a three-year old at the same time
While talking about this with our broker over a beer
he recruited me under the guise of me “learning the finance side of the business” while my conveyancing qualification was being finalised
I think he wanted free labour to help him start up
We sold our house and used that money to move to Townsville and open our own Wizard
The realisation of the public that we are a true profession that isn’t transactional. We are a valued resource that helps guide and grow people, families and businesses into growth and financial security. The tool we use is the home loan, and 74% of people doing that can’t be wrong
What challenges do you see currently facing the industry
The disconnect between first homeowners and market entry prices for properties and wages and wages growth. Cost of living is outgrowing wages growth at this point, and property prices are still on the rise as are rents. With inflation still not where it should be either
Federal and state governments are doing what they can to assist people entering the markets and am keen to see how these incentives play out over the years
our lead-in time in nurturing and growing a client’s ability to purchase will take longer and we need to implement processes to cater to these timeframes taking longer and keeping homebuyers motivated for the slog ahead
When I first came to Darwin and took over the previous franchise business I owned with my husband
we were pressured to open multiple franchises and even go into business with an existing franchisee when we really didn’t want to
That went south for reasons too numerous to mention
We had the foresight to have a great partnership agreement legally drawn up
we suffered no leave or flexibility for about eight years as a result
The lesson learned – sometimes it’s best to just say no and go out on your own in the first place
Do everything from a position of care. What we do is problem-solving
and the loan is simply the tool that we use to help
Do up a business plan when you start and stick to it
Are you a mortgage broker interested in being featured? Email the author with your details
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Ashmore will launch its debut Impact Debt fund later this year
Ever since the Rockefeller Foundation coined the term impact investing in 2007
investors have grappled with how best to deploy capital where it's needed most: emerging markets and developing economies (EMDEs)
EMDEs face persistent challenges—1.2 billion people still live in multidimensional poverty
and developing countries now contribute 75% of global greenhouse gas emissions
This is a critical juncture: many EMDE countries remain in early industrialisation phases
making them highly vulnerable to climate change impacts due to geographic exposure
Yet, global asset allocators have reduced their exposure to EMDEs in recent years, citing perceived risks and limited scalable opportunities. As a result, the annual financing gap for the United Nations' Sustainable Development Goals (SDGs) in EMDEs has ballooned to over $4 trillion, up from $2.5 trillion in 20152
Bridging this gap will require unlocking institutional and retail capital via scalable public market strategies3
Ashmore — one of the leading EMDE asset managers with $49 billion in assets under management as of December 2024 — has integrated a dedicated Impact Debt team into its investment committee
Leveraging Ashmore's 30 years of experience investing across EMDE asset classes and its global network of offices
the new Impact strategies aim to mobilise significant institutional and retail capital towards the SDGs
This fund aims to provide investors access to a broad impact opportunity set
channelling capital into activities that directly contribute to the SDGs in a transparent and measurable way
while offering attractive risk-adjusted returns
The upcoming launch of Ashmore's new fund reflects a growing recognition that public markets
hold significant untapped potential for impact financing at scale
This is underscored by the growing prevalence of green
whose proceeds are used directly for environmental and social projects
the supply has ballooned from $75 billion to over $500 billion outstanding
"Remarkably, 99% of these high-impact green bonds are based in EMDEs, reflecting the transformative potential of financing renewable energy in regions historically dependent on carbon-intensive grids1"
The real-world impact is increasingly evident
emissions avoided — a critical metric for environmental projects aligned with several SDG targets — has shown that the top 5% of global green bonds have avoided over 1,000 tCO2e per $1 million invested
99% of these high-impact green bonds are based in EMDEs
reflecting the transformative potential of financing renewable energy in regions historically dependent on carbon-intensive grids
Ashmore's strategy will seek to target investment in these high-impact opportunities
maximising measurable SDG outcomes alongside financial performance
GSS bond issuers in EMDEs are not reliant on concessional finance
the bonds are embedded within the broader emerging market hard currency debt universe
which has consistently outperformed developed market debt with higher Sharpe ratios
has outperformed US and EU investment-grade debt in rolling five-year returns 80% of the time since December 2009
with volatility comparable to EU investment-grade (IG) debt and significantly lower than US IG
Ashmore's analysis shows that over $100 billion in debt is now outstanding from 'impact issuers,' whose core business models align with SDG targets
or telecom companies expanding digital access in Sub-Saharan Africa
a growing cohort of 'improving issuers' in EMDE
are poised to pivot towards SDG-aligned models if provided with the right capital
This combined impact debt landscape spans over 400 issuers in more than 40 developing countries
offering investors diversified exposure while advancing all 17 SDGs
Ashmore's impact debt strategy will seek to capture this entire opportunity set
providing the capital needed to accelerate transitions while maintaining rigorous impact measurement and accountability
reporting annually on outputs and impact outcomes associated with every security as well as on a portfolio level
a high hurdle rate is applied to all investments
which must pass Ashmore's impact investment framework to be included in the fund
This means that either 100% of the bond's proceeds
50% of company revenue or 50% of the issuer's investment plan must contribute to one or more SDG target
without the issuer doing any significant harm to any of the other SDGs
cross-asset solutions across the risk spectrum are essential
Ashmore's launch of an impact debt fund seeks to capitalise on the growing impact opportunity set in EM public markets
The strategy gives investors the chance to allocate significant capital into a liquid
publicly traded asset class that has potential to deliver both attractive returns and measurable impact outcomes
emerging market investments carry risks as well as rewards
but public market approaches such as this can unlock scale previously unheard of in EMDE impact investing
Callum Thomas is Junior Policy Analyst at OECD
Simon Cooke is Head of Impact Debt at Ashmore
Ben Underhill is Research Analyst at Ashmore
The Hamburg Data Alliance calls on interested public and private sector actors
and strengthen its drive to expand data access
Discussion surrounding the impact of climate change has traditionally focused on potential future losses
but companies that adapt could see a financial return
according to a new report by JP Morgan Chase
US President Donald Trump is concerned at the "extra-territorial" reach of the EU's sustainability due diligence rules
and the US may use trade negotiations with the bloc to try to reduce its scope
according to a senior official at the US Chamber of Commerce
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Erskineville's Ashmore precinct is set for more apartments with five more buildings pitched for the area between Sydney Park and Erskineville Station
The precinct has been under development for the past decade and has become a well-established residential neighbourhood known for its vibrant community atmosphere
As part of the ongoing development within the Ashmore precinct, Brightwell Real Estate’s project aims to contribute to the established high-quality residential neighbourhood
further enhancing the public domain and landscape character of the area
The proposed development will comprise 135 apartments
In addition to the residential component, the proposal includes the adaptive reuse of an existing heritage item for commercial purposes
as well as indicative roads and public open space to serve the new community
A competitive design process is yet to be held, however submissions so far have come from SJB and DKO Architecture
The project will align with current environmental standards
targeting an ecologically sustainable footprint
It will meet the newly legislated BASIX benchmarks
and implement various sustainability initiatives
including biophilic design and Heat Island Mitigation measures
We're on a mission to radically improve the quality of Urban communities being developed across Australia
We aim to showcase every development in Australia to help you find the perfect new home
Specialist emerging markets asset manager Ashmore Group saw assets under management drop by 5 per cent in the three months to March 31 but remains optimistic amid Trump tariffs
The bigger drop than expected was a result of large institutional investors withdrawing money
Despite this the firm’s chief executive said an increase in market volatility in recent weeks, in response to president Trump’s trade tariffs
creates an opportunity in the emerging markets space
There were net outflows in the quarter of $3.9bn (£2.9bn)
this meant assets under management declined by $2.6bn (£1.9bn) over the period
said emerging markets performed well over the quarter but Ashmore’s net outflow was a result of “individual institutional asset allocation decisions”
He said: “These decisions do not appear indicative of a broader pattern of client activity and encouragingly
levels of investor interest in Ashmore’s Emerging Markets fixed income and equity strategies continue to be strong
market volatility has heightened due to increased tariffs and changes to terms of global trade
While this creates uncertainty and a risk-off response from certain investors
it is notable that the diversity and resilience of emerging markets is reflected in performance of the main indices.”
He said this gives investors “powerful reasons” to rebalance their asset allocations away from the US capital markets and pointed at a weak dollar
stronger euro and well performing Chinese technology sector
Analysts from Peel Hunt said it will be reviewing its forecasts of the company in response to the lower AUM
A note from Stuart Duncan and Stephen Payne added: “Looking ahead
there are reasons to be optimistic that current volatility and uncertainty around the US should mean that investors look to diversify exposures
we expect allocations to start picking up after many years of headwinds.”
Have your say in the comments section below or email us: ftadviser.newsdesk@ft.com
Kaitlyn Ashmore has been a fixture in the AFLW landscape since playing in an exhibition game for Victoria way back in 2017
Through 68 games across eight NAB AFL Women's seasons
Ashmore has been a constant high performer and has experienced every phase of a club's development
didn't know what lay ahead when she packed her bags as an inaugural signing at Brisbane ahead of the first AFLW season
"It was really hard to think about back then because we didn't really know where it was going
It was meant to be like a 2021 start and then they pushed it to 2017
I moved to Brisbane (as a) Ballarat girl and I remember telling my mum and my brother..
and he didn't really understand and mum didn't really understand either," she recalled on the latest episode of Talkin' It Up
went up there and we had to go through it together as a united group because the external noise was quite loud
and then you get people on social media - and you still have them now
You've got dads with daughters who want to play football now because they can see us doing it
and I think that's what people really need to focus on."
Ashmore said the huge improvement in the standard of football and the depth in the playing ranks had made the challenges of the early days worthwhile
They're so much better since I first started
"But I think you've just got to look at the bigger picture
We kept coming together as a group and we just kept driving what we knew and got the work done."
Talkin' It Up is a new AFL podcast hosted by Megan Waters and Andy Krakouer
and includes football legends from players to coaches and those who have been touched by the game we love
Join them as they create a safe space to chat about their lives and experiences
exploring culture and connection and sharing stories about how football brings us together
The AFLW pioneer tells Megan Waters and Andy Krakouer about her unassuming road to a career in footy
Six Hawks polled votes in the club's 65-point Centenary Match win
Massimo D’Ambrosio has been voted the Round 8 Superhero of the Week
Read the coach's thoughts on a significant day for the club
Read all the stats and facts behind our history of matches against GWS
We're taking centre stage in the quest to build upon an exciting campaign last year
Our 2025 season will be a historic occasion for our club as it 100 years since we joined the VFL/AFL competition
Be among the first to add your name to our new home
Put your footy knowledge to test with other Hawks fans
Join us as we celebrate a golden era of Hawthorn on Friday 20 June
Re-live Hawthorn's exhilarating ceremony from last weekend's victory
Watch Huddo speak to the boys about the current KCC build
Hear from Sam Mitchell after our centenary match victory against the Tigers
We chatted to Tom Barrass after a hard-fought contest against the Tigers in our centenary match
Hawthorn Football Club acknowledge Aboriginal and Torres Strait Islander people as the traditional custodians of the lands and water on which we live
We pay respects to Elders both past and present and stand together with the Aboriginal and Torres Strait Islander leaders of today and tomorrow
as some large institutional clients redeemed their holdings in currencies near the end of the period
The company's shares slipped 3.1% to 129.6 pence in early trade
Ashmore said market volatility had heightened since U.S
but the institutional outflows did not indicate "a broader pattern of client activity"
U.S. President Donald Trump's policies have led to dramatic swings in global markets, with recently-announced tariffs sparking recession fears despite most being suspended for 90 days.
Ashmore CEO Mark Coombs said the increased volatility offered a chance for investors to reallocate their holdings into emerging markets.
Coombs said tighter fiscal policy in the United States, fiscal stimulus in Europe, higher rates in Japan and China's focus on boosting domestic demand, along with the impact of the tariffs, would weaken the dollar and support emerging market performance.
The London-based firm reported assets under management of $46.2 billion at March 31, the end of its fiscal third quarter, down from $48.8 billion at the end of December.
Cuatrecasas advises Ashmore on entry into Colombian logistics sector with financed acquisition of three logistics assets
is a logistics center in Siberia (Cundinamarca)
This strategic transaction is Ashmore’s first investment in Colombia’s logistics assets market
positioning the company with a portfolio of over 140,000 m2 of leasable area
as an important investor in this sector in the region
Cuatrecasas is proud to have assisted Ashmore with this transaction that posed many challenges and complexities: asset negotiation with two sellers with different interests; aligning the three cases of financing to acquire the assets with an acquisition structure negotiated with the sellers; and coordinating the different parties
We also highlight our collaboration with Davivienda
a key player in financing these acquisitions
Let us know your interests and receive our legal alerts:
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Ashley Greene (Twilight) and Shawn Ashmore (X-Men 2, The Boys) star in the horror film, It Feeds, which will be released in theaters on Friday, April 18th. Greene portrays a clairvoyant therapist and mother whose daughter is a victim of a dangerous and dark entity. Ashmore is a father who would do anything to protect his daughter.
The horror film is written and directed by Chad Archibald, whose take on the genre showcases what two different parents would do to save their child.
“We made it look scary,” Greene tells Nerd Reactor. “That’s what’s so beautiful. Like, while we finished watching this movie, I texted Chad Archibald, the director, immediately, and I was like, ‘Oh my God, you’re so talented. And this looks so cool.’ And it’s so amazing to see it on screen because it’s such a different experience on set.”
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Fund manager Ashmore has said emerging markets have shown “resilience” in the face of recent volatility in the financial markets despite growing “uncertainty”
Shares in the firm slid in early trading on Monday as the FTSE 250 firm also reported a flurry of withdraws from significant investors
The emerging markets specialist reported that total assets under management dipped by around 5% to 46.2 billion US dollars (£35 billion) over the three months to March 31
It came after net client outflows of 3.9 billion dollars (£3 billion) offset around 1.3 billion dollars (£1 billion) of increased investments
Ashmore said it benefited from higher subscriptions activity over the quarter, particularly from Asian institutions
this was outweighed by “a small number of large institutional redemptions” towards the end of the quarter
stressed that it was supported “by economic resilience in emerging economies”
positive developments in China’s technology sector and the weak US dollar
The update comes amid a backdrop of recent turbulence in global financial markets after US President Donald Trump launched his fresh tariff regime
which prompted an escalating trade war with China
Ashmore boss Mark Coombs said the “aggressive” tariffs and continued weakness in the dollar could support its activity in emerging markets
market volatility has heightened due to increased tariffs and changes to terms of global trade,” the chief executive said
“While this creates uncertainty and a risk-off response from certain investors
it is notable that the diversity and resilience of emerging markets is reflected in performance of the main indices
“This resilience demonstrates that there are increasingly powerful reasons for investors to rebalance their asset allocations away from the US capital markets, such as tighter fiscal policy and a smaller government in the US, the start of fiscal stimulus in Europe, higher rates in Japan and China’s focus on boosting domestic demand.
“When combined with the impact of aggressive trade tariffs, these factors point to a weaker US dollar, which will be supportive for the performance of emerging markets.”
Shares in the firm were 7.3% lower at 124p on Monday morning.
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who dated Michelle Trachtenberg from 2004 to 2006
paid tribute to the Buffy the Vampire Slayer star after she died Feb
Shawn Ashmore is honoring his ex
The X-Men alum, who dated Michelle Trachtenberg from 2004 to 2006, shared a tribute to the late actress following news of her death Feb
“Incredibly sad to hear about Michelle’s passing,” Shawn, 45, wrote on Instagram
“She was an incredible person and I will always remember the years we spent together fondly
quirky and would never pass up a law and order SVU marathon.”
“My condolences to her mother Lana and sister Irene
Michelle and Shawn dated in the early aughts after she used her humor and confidence to woo him at a 2004 Oscars party
“Well, I put out an ad in the classifieds: ‘Wanted, superhero. I'm a damsel in distress,’” she quipped in a 2005 interview with BlackFilm.com
He hates anything publicity [and] we met at an Oscar party and he was just like Mr
Grumpy unhappy to be out in public and I totally approached him.”
Michelle had been going through difficult times
“She struggled the last few years,” Michelle’s Harriet the Spy costar Rosie O’Donnell said in a Feb
Calling her death “heartbreaking,” Rosie added
New York police responded to a 911 call around 8 a.m. on Feb. 26 and found Michelle unresponsive in her apartment. The actress—who reportedly underwent a liver transplant recently—was pronounced dead by EMS at the scene
News that her death is not being investigated as suspicious and her cause of death will be determined following an autopsy
several other stars have expressed their sadness over the untimely tragedy
Kenan Thompson also shared a touching tribute to his fellow Nickelodeon alum alongside a throwback video of the pair at the 1999 Nickelodeon’s Kids Choice Awards
“Our first Nick movie star has departed us!!” the Saturday Night Live comedian wrote in the Feb. 26 Instagram post
Meanwhile, Gossip Girl showrunners Josh Schwartz and Stephanie Savage, who worked with Michelle during her time on the CW series, reflected on her talent
“We are deeply saddened by the news of Michelle’s passing,” the writers shared in a statement to NBC News
Her portrayal of Georgina Sparks was an iconic fan favorite
and grew from a one season villain to a beloved character who returned over the course of six seasons.”
“She was a delight to have on set and will be deeply missed
Read on to see more tributes from stars who knew and loved Michelle
and NBC News are both part of the NBCUniversal family.)
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Fund manager Ashmore has said emerging markets have shown “resilience” in the face of recent volatility in the financial markets despite growing “uncertainty”
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“This resilience demonstrates that there are increasingly powerful reasons for investors to rebalance their asset allocations away from the US capital markets, such as tighter fiscal policy and a smaller government in the US, the start of fiscal stimulus in Europe
higher rates in Japan and China’s focus on boosting domestic demand
“When combined with the impact of aggressive trade tariffs
which will be supportive for the performance of emerging markets.”
Shares in the firm were 7.3% lower at 124p on Monday morning
David Beckham’s 50th birthday bash in London 'shut down' by council over noise complaints
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"She was an incredible person and I will always remember the years we spent together fondly," Ashmore shared of Trachtenberg
While 99.99 per cent of Aussie homes have the garage at the side, this amazing estate features it is front and centre, met by a sweeping porte cochere.
The garage swoops beneath the front door the elevated Ashmore house, where in in a position to capture views of Mount Tambourine.
If Bruce Wayne was an Aussie, this would be where he’d live.
The home has a price guide of $3.95 million and includes a pool, sauna and full-sized tennis court.
Inside, a cinema, exquisite bathrooms with soaking tubs and electric fireplaces tick off further rest and relaxation.
On the grounds is a mini orchard, abundant with “mango trees, avocado tree, lemons, limes, oranges, figs, paw paw, moringa, star fruit, macadamia, passion fruit vines, bird’s eye chili”, the listing explains.
Gold Coast mansion that hosted Jude Law hits the market for $10 million-plus
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Ray White TMG agents Matt Micallef and Becky Xie are looking after the campaign.
The basement level contains parking, a gym, media room and games room.
The main bedroom and a parents retreat on the first floor is a private wing, including a vast walk-in wardrobe.
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20th Century Fox's X-Men movies got a lot wrong
but among the studio's biggest sins was how Iceman was portrayed
The comic books hadn't established him as an Omega-level mutant at the time
but all the mutant was really good for was romancing Rogue and cooling the odd beer
While X-Men: The Last Stand was far from a masterpiece
it at least gave Shawn Ashmore's Bobby Drake the chance to show what he could do
That involved finally going full "Iceman," though it was sadly short-lived
When Marvel Studios announced the first wave of additions to the Avengers: Doomsday cast
several X-Men franchise actors were listed among them
and Deadpool & Wolverine star Channing Tatum (Gambit)
We expect more names to be added in the coming months
especially as several X-Men remain conspicuous by their absence
Ashmore is among them, and in a recent interview with Nerd Reactor
he confirmed that Marvel Studios hasn't been in touch about a possible return
"So this is the weird part of it," the actor started
I’ve been getting that since the last Deadpool movie."
I’m always open to coming back and playing that character
Marvel Studios plans to reboot the X-Men after Avengers: Secret Wars and may have good reason for leaving some characters on the shelf
The team above is far from complete - Storm and Jean Grey are the biggest omissions - so we'll see how things shake out
he's a character with huge potential on screen
particularly if the full extent of his powers is showcased
Whether a future movie would explore his sexuality isn't clear
especially as his being gay was a recent change that's proven divisive among fans
Captain America: Brave New World star Anthony Mackie recently revealed the X-Men he's eager to share the screen with
"I have a Cyclops action figure on my key chain that I've had since high school."
"[I'm excited] to hang out with Xavier and Beast and all those guys
But my favorite is Nightcrawler," Mackie added
Me and Nightcrawler in the French Quarter during Mardi Gras for two weeks
Avengers: Doomsday is set to be released on May 1 2026
with Avengers: Secret Wars scheduled to arrive on May 7
Ashmore has launched its Emerging Markets Frontier Blended Debt SICAV
which is a sub-fund of its Luxembourg-domiciled Ashmore SICAV UCITS fund
which will invest in debt securities across hard currencies
growth from economic improvements across frontier markets
and a low average duration in order to reduce interest rate risk
See also: First Trust rolls out aerospace and semiconductor ETFs
said: “Lower foreign investor participation in EM frontier debt markets has led to an increase in borrowing costs across many of these markets
and this fund provides investors with access to the high-yield opportunities that we are seeing as a result
“Our extensive experience and deep relationships in these countries position us very well to capitalise on the attractive risk premia and economic turnaround stories that these markets offer
“The hard and local currency frontier markets offer very distinct returns profiles over different parts of the cycle
and this will provide us with opportunities to manage the fund actively and reduce the level of volatility.”
Cuatrecasas (Peru) has helped UK investor Ashmore Renewables get funds to obtain equity in two Peruvian energy companies from Italian clean energy companies Tozzi Green and Gardini
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Fund manager Ashmore recorded a bigger than expected fall in assets for the first three months of the year after a flurry of withdrawals from large investors
The London-listed emerging markets specialist said on Monday that market volatility had heightened since US tariffs came into effect
as it revealed its assets under management had fallen to $46.2billion after net client outflows of $3.9billion
This offset positive investment gains of $1.3billion over the period
Ashmore told shareholders outflows were driven by a 'small number of large institutional redemptions' in local currency
but this reflected 'client specific asset allocation decisions' rather than 'a broader pattern of client activity'
US President Donald Trump's policies have led to dramatic swings in global markets
with recently-announced tariffs sparking recession fears despite most being suspended for 90 days
Ashmore said its strong investment performance over the quarter was 'underpinned by economic resilience in emerging economies
positive developments in China's technology sector
and currency movements including a weak US dollar and a stronger euro'
The group also pointed to the outperformance of emerging markets stocks relative to US peers in recent months
Boss Mark Coombs said: 'This resilience demonstrates that there are increasingly powerful reasons for investors to rebalance their asset allocations away from the US capital markets
such as tighter fiscal policy and a smaller government in the US
higher rates in Japan and China's focus on boosting domestic demand
'When combined with the impact of aggressive trade tariffs
which will be supportive for the performance of emerging markets.'
Ashmore shares were down 5.8 per cent in early trading to 125.9p, having lost over 30 per cent in the last 12 months.
Analysts at Peel Hunt hold a buy recommendation on Ashmore shares with a target price of 210p.
They wrote in a note on Monday: 'There are reasons to be optimistic that current volatility and uncertainty around the US should mean that investors look to diversify exposures.
'EM is proving resilient and over time, we expect allocations to start picking up after many years of headwinds.'
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