Ortec Finance is a worldwide leading Asset Liability Management (ALM) provider for pension funds, insurance companies, and sovereign wealth funds. As an independent specialist, Ortec Finance offers Asset Liability Management software as well as consultancy services. With GLASS, our proprietary ALM simulation software, we offer a complete and consistent asset and liability scenario model. It improves financial decision making for institutional investors by offering short-term and long-term balance sheet simulations. 

Asset Liability Management for several industries

More on GLASS  

Benefits of GLASS

  • Consistent and flexible modelling of future development of assets and liabilities
  • Monthly and annual simulation frequency
  • High-quality Economic Scenario Generator, which includes more than 400 variables covering both public and private asset classes across all major regions
  • What-if capabilities and optimization engine
  • Global coverage on liability modelling
  • Multinational approach allows aggregation of plans with differences in currency, accounting standards (IFRS, IAS, US GAAP and FRS), and regulatory requirements (Solvency II, nFTK, MFR, TLS, etc.)


  • Intuitive user interface to design and run a large variety of analytics
  • Full control of all assumptions and advanced reporting possibilities
  • Graphical tools to quickly query results and analyze outcomes  


  • User-friendly flexible software, customized to the client’s needs
  • DSM

Added value of variable retirement benefit

Recently the variable pension law was passed, which allows participants in a premium contract or capital agreement to choose a variable, venture capital pension. 

Together with Ortec Finance, DSM tried to objectively compare the two variants, i.e. the Pension Fund variant and the variable retirement benefit, for the net pension arrangement with the specific composition and financial position of DSM, and to see where the added value lies.


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A few of our customers


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