Tablet mit Vermögensplanung

Our Offering

A comprehensive wealth planning and investment advisory solution

We evaluate how the financial goals of your customers can be fulfilled and recommend a bespoke asset allocation to maximise their goal achievement probability. We incorporate your customers’ values and beliefs in the advisory process to fully customise their portfolios.

To ensure the best possible outcome for your customers, we use a sophisticated Asset & Liability Management methodology which ensures superior simulation and optimisation results. Our methodology has so far only been available to institutional investors.

Our modular solution

Select from our range of independent modules and integrate them seamlessly into your existing advisory process. Our solution can be implemented as Software as a Service (SaaS) or via an API.

Profile

Profile

Onboard your customer and conduct the mandatory risk profiling, as well as the  knowledge and experience checks in line with MiFID II. Provide transparency about the expected fees and charges of your services.

Assets & Goals

Assets & Goals

  • Input or source in information about your customers’ assets and liabilities, including non-bankable assets like real estate and private equity.
  • Select from a range of different financial goals, either nominal or inflation-adjusted.
  • Simulate the goal achievement probability based on the customer’s current assets & liabilities.
  • Simulate customer’s wealth development over time as a result of goals being paid out.
  • Add additional information such as pension contributions, life insurance policies or savings and illustrate how these change your clients’ wealth development and goal achievement.
Recommendation

Recommendation

Receive recommendations on how to best improve your customer’s goal achievement probability via either the calculation of a fully individualised asset allocation or by matching to your strategy portfolios:

  • Fully individualised asset allocation: our methodology assesses thousands of different asset allocations in thousands of capital market scenarios to determine the optimal strategic asset allocation that best achieves the financial goals for each of your customers. Adjust the calculation engine constraints and the fee simulation to reflect your organisation’s internal views.
  • Pre-defined strategy portfolios: our recommendation module evaluates your strategy portfolios against thousands of capital market scenarios and determines which of them maximises the achievement of your clients’ financial goals.
  • Compare the asset allocation pre-/post optimisation: illustrate how the recommended asset allocation optimises your clients’ goal achievement and wealth development.
  • Monitoring: this functionality ensures a regular monitoring of your customer’s asset allocation and notifies the advisor – or end customer if required – on possible deviations and next steps.
Portfolio

Portfolio

  • Select from a range of criteria to populate the optimal asset allocation to ensure a full customisation of your customer’s portfolio:
    i. investment criteria such as rule-based vs. discretionary, passive vs. active investments, etc.
    ii. values such as Environmental, Social and Governance (ESG) aspects and the exclusion of certain industries/sectors.
  • Select from a number of investment products based on their quality and how they best match your customers’ criteria.
  • Adjust the portfolio construction based on your organisation’s specific requirements: bias to internal products, funds and/or individual stocks, range of products recommended, diversification requirements, etc.
  • Automatically generate the required regulatory documents and keep traceability of all recommendations provided.
Execution

Execution

Transfer the recommended portfolio to your portfolio management system / custodian of choice for re-balancing and generate the required regulatory documentation.

Enable New Advisory Models

Redefine your advisory approach and explore new models with the help of our digital wealth planning and investment advice solution

For advisors

For advisors

Provide your advisors with the appropriate tools to provide expert investment advice to their customers using a fully automated digital advisory process.

Ideally suited to private and retail banks, external asset managers and family offices.

For self-directed customers

For self-directed customers

Offer investment services direct-to-customers, with or without the assistance from a financial advisor, with a fully automated digital advisory process.

Ideally suited to banks that wish to offer digital investment advice to their customers in a fully automated or hybrid (supported by advisors) way.