Pension funds, insurance companies and sovereign wealth funds face many complexities when it comes to making decisions regarding their investment and financial risk management. Some tend to focus on the micro-level, whereas macro-level decisions usually have a greater impact on risk and return.
Changes in your financial position or market circumstances demand regular evaluation of your strategic risks and return objectives. To what degree are your long-term and short-term strategic objectives still feasible? Are risks still within the risk budget? Which changes are required in your investment policy? Ortec Finance’s strategic risk management (SRM) service Navigator provides insight into these relevant questions from an organisation-specific holistic balance sheet perspective.
I would like to gain insight into my future potential for Capital Generation
There is an ongoing shift in the way in which analysts and other stakeholders look at the financial performance of insurers. This is why Ortec Finance has positioned its asset and liability modelling framework (GLASS) to cope with a forward-looking view of the components underlying your potential for capital generation.
How can I create consistency in risk management throughout the company?
Ortec Finance offers a complete and consistent modelling framework (GLASS) for modelling insurance liabilities, asset classes, investment and dividend policies, and economic scenarios, both at Group level and for the underlying entities. Furthermore, this framework is ideally suited for all applications ranging from ALM and ORSA to monitoring.
I want to determine the impact of revisions in the Solvency II framework
Ortec Finance's asset and liability modelling framework (GLASS) incorporates the Solvency II framework. It can provide a full breakdown of the SCR and Eligible Own Funds components for both the standard formula and an internal model approach.
Tom Loonen of InsingerGilissen is convinced that the work of private bankers will not be made superfluous by digitization. Which does not take away the fact that digitization produces good tools that can help him facilitate customers.
“We appreciate that Ortec Finance positions itself as an independent party that also dares to pose critical questions about our governance, investment policy, and how we guarantee good risk management.”
Why stocks could be in the red this year and what to do about it
It hasn’t been since 2000 and 2001 that U.S. stock markets lost money in two consecutive years, but it’s something that could potentially happen again this year. Ortec’s modelling is pointing to negative equity returns over the next 12 months as the most likely market scenario. Pension funds with tactical or dynamic allocations at their disposal may want to temper their risk and consider fixed income instead.
Ortec Finance discusses with Responsible Investor on why high-quality climate data is essential for investors to map progress toward emission reduction goals and enable a successful transition to net-zero.
The Railways Pension Scheme is one of the UK’s largest and longest established pension funds. Our client case story highlights how we’ve enabled Railpen to take a holistic view of investments across multiple asset classes through our partnership with Burgiss.