OPAL enables goal-based investment decision-making. We leverage our institutional investment risk management expertise by using top-notch calculations as the core of the solution. This enables financial institutions to translate personal goals of their clients regarding wealth planning, into an optimal financial plan and monitor these goals over time.
Sophisticated solution, advanced calculations, simple communications & better client engagement!
How will my assets develop under various volatile circumstances? What steps do I have to take to make my financial plan sustainable? Reliable information on risk, return and the probability of meeting future goals is essential when making financial decisions. Scenario analysis provides this information by visualizing how assets will most likely develop over time. It also demonstrates the impact of investment decisions, changes in a client’s financial situation and market developments.
Helping clients getting a better understanding of their options regarding wealth planning
High-quality scenarios lead to improved insight and subsequently to better investment decisions. To achieve the most realistic outcomes, the projections in OPAL incorporate inflation risk, currency risk and different investment strategies. Client-specific information such as (international) taxes and cost of services are also considered. Clear visual aids help clients and advisors better understand their options. Scenario analysis helps the client to decide if the risks taken are acceptable and enables the advisor to properly manage the client’s expectations.
Real-world economic scenarios that reflect future developments
OPAL platform is powered by the Ortec Finance Dynamic Scenario Generator. This stochastic projection engine generates real-world economic scenarios that reflect plausible future developments based on sophisticated analysis of historical behaviour. Benchmark selection is customizable resulting in scenarios that are fully in line with your firm’s investment strategy.
Different challenges, one solution
Will a digital journey improve my profitability and efficiency?Improving profitability and efficiency: banks are constantly looking for optimizing their ROI. A digital journey is often seen as a way to achieve this. Also, improving advisory tooling helps in achieving this goal. Ortec Finance tooling can help bring automated advice to it’s clients. Automated advice will make both digital customer journeys more efficient through higher trust levels and higher conversion rates. In an advisory context, automated advice empowers advisors to focus on the client and not on the technical aspects of an advice. Therefore, risk of mistakes reduces, quality of advice improves and number of clients to be handled can go up
Standing out from competitors?While all financial institutions are creating new models to engage with customers, the question arises how to stand out. Ortec Finance delivers tooling that can help achieving this: using state of the art calculations leads to better advice and insight for the consumer. It also makes it easier to explain to regulators how the front end works and helps clients taking better decisions. Automated advice leads to more added value for the client. And, being able to offer full holistic financial planning makes platforms using this stand out on customer journey, user experience and again added value. Of course, being able to deliver and implement tooling quickly also reduces time-to-market.
How to keep up with regulations and compliance?All financial entities that give advice face severe regulatory and compliance pressure. This takes vast amounts of resources, both in time and money. The OPAL tooling of Ortec Finance deals with several aspects of for example MiFID: suitability, appropriateness and cost transparency. By engaging Ortec Finance early in regulatory projects, these can be combined with creating digital journeys and therefore using resources more efficiently.
How to become digital?Just building an App doesn’t do the trick. A digital platform should create added value for the consumer. And, even more, a digital platform should encompass a holistic approach to the customer. Ortec Finance can deliver the UI and API technology to support a digital journey for end consumers, be it in the retail, mass affluent or private banking space. We deliver state of the art calculation and optimization engines to support simple robo platforms up to complex holistic financial planning customer journeys.
Real-world economic scenarios
- Correlations that vary in time and high correlations in tail events
- Increased volatility in market downturns
- Non-normal distributions
- Scenarios available for many asset classes and investment strategies
- Benchmark selection is customizable
- Possible integration of a company’s investment policy and expected returns
- Incorporation of inflation and currency risk
- International taxes and costs of services
- Investment strategies e.g. lifecycle or rebalance on client or product level Client-centric approach
- ‘What if’ analysis help clients better understand their options
- Translating financial goals into an optimal investment portfolio
- Scenario analysis is considered best practice
We have designed our processes at the municipality of Amsterdam with the WOZ triangle very progressively. However, we want to continue to develop them and we see many opportunities for the future. In doing so, we will use Ortec Finance’s knowledge and advice.Rodney Frederiks, Department Manager at Gemeente Amsterdam