Individualised Investment Strategies
Delivering mass customisation and enhanced outcomes
Our individualised platform is used by product providers to support a range of sophisticated long-term saving and retirement income solutions. In the accumulation phase, it augments existing policy admin system capabilities. In decumulation, it regularly rebalances assets to optimise income.
Supporting individualised long-term savings and retirement solutions at scale
Augmenting incumbent technology with new capabilities through seamless integration
Delivering enhanced customer outcomes
Transforming long-term savings and retirement outcomes
Our platform seamlessly integrates with existing policy admin systems, supporting sophisticated long-term saving and retirement income solutions.
During accumulation, it enhances system capabilities with unit-linked guarantees (iCPPI) and advanced rebalancing strategies to de-risk investments.
In decumulation, SPERO® personalises individual investment strategies and regularly rebalances assets to optimise income. We’ve redefined retirement outcomes by utilising innovative technology to deliver mass customisation and measurable improvements.
Empowering providers and advisers to drive value, enhance member satisfaction, and set new standards in delivering better outcomes.
Why defaults can’t deliver better outcomes
Inflexible
Default investment strategies might work for a hands off solution, but they lack the flexibility to cater to individual needs, wants and risk profiles.
One size does not fit all
Broad assumptions can never meet the needs of everyone. Resulting in suboptimal asset allocation and ultimately retirement income.
Underperformance
Set and forget asset allocation isn’t dynamic, so is likely to underperform in varying market conditions, leading to lower returns over time.
Inadequate risk management
Broad-based strategies aren’t designed to respond to market conditions. Can they adequately manage risks, especially during volatile market phases?
There is a better way…
Tailored flexibility
Dynamic personalisation adjusts asset allocation based on an individual’s risk profile and life changes, providing a more flexible approach.
Precise alignment
Mass customisation makes sure investments are aligned with the specific needs and goals of each saver, optimising outcomes for the individual.
Enhanced performance
Personalised asset allocation adapts to market conditions, with the individual in mind – to deliver better returns and mitigate underperformance.
Adaptive risk management
Continuous adjustments in response to market dynamics helps manage risks more effectively, protecting retirement savings through volatility.
Socius Implementation Strategy
Average go live time 4-6 months
Establish data feeds from existing system Infrastructure set up Data validation Understanding and augmenting your existing system to provide robust data flows In this initial stage, we establish the foundations of robust data flows by integrating with your existing admin and investment system. This set up delivers real-time data feeds from all relevant sources with a continuous and accurate data flow. The infrastructure is designed to support high-frequency data processing, so we can handle large volumes of information efficiently. Rigorous data validation protocols are developed to maintain the integrity and accuracy of the incoming data, ensuring that all recalculations are based on reliable information.
Stage 1: Data integration & infrastructure setup
Stage 2: Engine configuration
Configure calculations and fund options
Integrate data feeds
Testing and calibration
Custom fund and calculation development with real time adjustments
The second stage focuses on configuring the dynamic rebalancing engine that drives the personalisation of asset allocation. We’ll customise and fine-tune algorithms tailored to either saver profiles or a real time data capture feed. So real-time adjustments based on a savers unique needs, preferences, and market conditions can be made. Rigorous testing and calibration are conducted to verify that the system performs accurately and responsively, providing optimal asset allocation at all times.
Monitor system performance Reporting information Ongoing support Adaptive management and continuous monitoring to identify any improvements Once your system is live, the final and ongoing stage is to make sure ongoing success is delivered. We continuously track the system's performance to confirm that data feeds and rebalancing operations are functioning optimally. Regular reviews and recalibration are conducted to adapt to evolving market conditions and individual saver needs. Our team provides ongoing technical support and implements updates as necessary, to make sure the system delivers value and better outcomes for all users.Stage 3: Ongoing monitoring and optimisation
Reinventing what investment technology can do
The Value for Money Framework… what will it mean for trustees and, ultimately, member outcomes
The FCA has just published the template showing...
Part 3: Use a fixed-term annuity and convert it to a whole-of-life annuity later
In part three of our trilogy we investigate when/if investors should convert their fixed-term annuity into a whole-of-life annuity.
Part 2: Using fixed-term annuities in retirement income portfolios
In part one we looked at fixed-term annuities, here we examine how fixed-term annuities can be used in retirement income portfolios, providing a quantitative assessment of the benefits. Part two of our trilogy…
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David MacDonald
CEO
