How winning the Battle for the Wealthy Investor, a new Cisco IBSG Study Uncovers Significant Opportunity To Address Needs of Wealthy Under-50 Investors
Introduction to Wealth Management Industry by Miles SoftwareMiles_Software123
This document provides an overview of wealth management including what it is, who provides services, target audiences, benefits, and how the industry has evolved. Wealth management involves providing financial planning, investment management, retirement planning, and estate planning services to high net worth individuals and others. Services are offered by asset management companies, portfolio management companies, private wealth advisors, and banks. The goals are to completely analyze a client's financial situation, monitor it over time, help build and protect their wealth, and provide expert advice.
The document discusses asset classes and market segments. It defines asset classes as the process of allocating money between equity, fixed income, real estate, commodities, and cash equivalents. The key points made are:
- Asset allocation aims to balance risk and reward by adjusting the percentage of each asset class in a portfolio based on the investor's goals, risk tolerance, and time horizon.
- Diversifying investments across asset classes can help reduce risk.
- An investor's asset allocation should consider their risk tolerance, investment objectives, and time horizon. Younger investors with longer time horizons can tolerate more risk, while older investors should take on less risk.
Investors attitude towards Mutual fund (Questionnaire)Naren Kumar
This document contains a survey asking for a person's name, age, occupation, investment plans and preferences, risk tolerance, investment goals, preferred fund houses, expected returns, preferred places to invest, important investment factors, intended use of investment income, and satisfaction with current investment options. It asks multiple choice and open-ended questions to evaluate a person's financial situation and preferences in order to make appropriate investment recommendations.
The document provides an introduction to a course on investments. It outlines the purpose of learning to manage money through investments to maximize benefits. It discusses learning about available investment alternatives and developing an analytical approach. The course will cover topics such as risk and return measurement, modern portfolio theory, equity and debt analysis, portfolio optimization and evaluation. It will use a mix of theory, practical applications and Microsoft Excel. The course will have 30 classes covering these topics and references various investment textbooks and notes.
Mutual funds allow investors to pool their money together for investment in stocks, bonds, and other assets. The document discusses various types of mutual funds like equity funds, debt funds, and hybrid funds. It explains how Systematic Investment Plans (SIPs) enable regular small investments and benefit from rupee cost averaging. Equity Linked Savings Schemes (ELSS) are highlighted as a tax-efficient investment option that provides tax benefits under Section 80C while also offering potential for capital appreciation over the long run. Well-planned investments through mutual funds and SIPs can help create wealth and meet financial goals.
Basel I, II, and III are agreements that established regulatory standards for bank capital adequacy. Basel I, established in 1988, focused on credit risk and set minimum capital requirements of 8% of risk-weighted assets. Basel II, released in 2004, included three pillars: Pillar I established a revised minimum capital framework; Pillar II covered supervisory review; and Pillar III addressed market discipline through disclosure. It recommended a minimum ratio of total capital to risk-weighted assets of 8% and prescribed the minimum capital adequacy ratio of 9% for India. Basel III, finalized in 2017, strengthened bank capital requirements in response to the 2008 financial crisis.
A Study on Investment Pattern of Investors on Different ProductsProjects Kart
A study on investment pattern of investors on different products in India using the questionnaires to understand how salaried employees investment pattern and preferences towards different products. Read more on www.projectskart.com for information. An investment refers to the commitment of funds at present, in anticipation of some positive rate of return in future. Today the spectrum of investment is indeed wide. An investment is confronted with array of investment avenues. Among all investment, investment in equity is in best high proportion. This is because the history of stock market is booming and bursts overnight millionaires, an instant pauper.
Financial planning for salaried employeesMohit Kumar
The document discusses financial planning strategies for salaried employees and tax saving. It outlines various investment options like fixed deposits, mutual funds, equity, gold, and real estate. It describes the financial planning process and pyramid. It provides strategies for tax savings under various tax code sections. It discusses the responsibilities and learnings from an internship at Karvy Stock Broking, including portfolio analysis, client activation, and understanding stock market fluctuations.
Introduction to Wealth Management Industry by Miles SoftwareMiles_Software123
This document provides an overview of wealth management including what it is, who provides services, target audiences, benefits, and how the industry has evolved. Wealth management involves providing financial planning, investment management, retirement planning, and estate planning services to high net worth individuals and others. Services are offered by asset management companies, portfolio management companies, private wealth advisors, and banks. The goals are to completely analyze a client's financial situation, monitor it over time, help build and protect their wealth, and provide expert advice.
The document discusses asset classes and market segments. It defines asset classes as the process of allocating money between equity, fixed income, real estate, commodities, and cash equivalents. The key points made are:
- Asset allocation aims to balance risk and reward by adjusting the percentage of each asset class in a portfolio based on the investor's goals, risk tolerance, and time horizon.
- Diversifying investments across asset classes can help reduce risk.
- An investor's asset allocation should consider their risk tolerance, investment objectives, and time horizon. Younger investors with longer time horizons can tolerate more risk, while older investors should take on less risk.
Investors attitude towards Mutual fund (Questionnaire)Naren Kumar
This document contains a survey asking for a person's name, age, occupation, investment plans and preferences, risk tolerance, investment goals, preferred fund houses, expected returns, preferred places to invest, important investment factors, intended use of investment income, and satisfaction with current investment options. It asks multiple choice and open-ended questions to evaluate a person's financial situation and preferences in order to make appropriate investment recommendations.
The document provides an introduction to a course on investments. It outlines the purpose of learning to manage money through investments to maximize benefits. It discusses learning about available investment alternatives and developing an analytical approach. The course will cover topics such as risk and return measurement, modern portfolio theory, equity and debt analysis, portfolio optimization and evaluation. It will use a mix of theory, practical applications and Microsoft Excel. The course will have 30 classes covering these topics and references various investment textbooks and notes.
Mutual funds allow investors to pool their money together for investment in stocks, bonds, and other assets. The document discusses various types of mutual funds like equity funds, debt funds, and hybrid funds. It explains how Systematic Investment Plans (SIPs) enable regular small investments and benefit from rupee cost averaging. Equity Linked Savings Schemes (ELSS) are highlighted as a tax-efficient investment option that provides tax benefits under Section 80C while also offering potential for capital appreciation over the long run. Well-planned investments through mutual funds and SIPs can help create wealth and meet financial goals.
Basel I, II, and III are agreements that established regulatory standards for bank capital adequacy. Basel I, established in 1988, focused on credit risk and set minimum capital requirements of 8% of risk-weighted assets. Basel II, released in 2004, included three pillars: Pillar I established a revised minimum capital framework; Pillar II covered supervisory review; and Pillar III addressed market discipline through disclosure. It recommended a minimum ratio of total capital to risk-weighted assets of 8% and prescribed the minimum capital adequacy ratio of 9% for India. Basel III, finalized in 2017, strengthened bank capital requirements in response to the 2008 financial crisis.
A Study on Investment Pattern of Investors on Different ProductsProjects Kart
A study on investment pattern of investors on different products in India using the questionnaires to understand how salaried employees investment pattern and preferences towards different products. Read more on www.projectskart.com for information. An investment refers to the commitment of funds at present, in anticipation of some positive rate of return in future. Today the spectrum of investment is indeed wide. An investment is confronted with array of investment avenues. Among all investment, investment in equity is in best high proportion. This is because the history of stock market is booming and bursts overnight millionaires, an instant pauper.
Financial planning for salaried employeesMohit Kumar
The document discusses financial planning strategies for salaried employees and tax saving. It outlines various investment options like fixed deposits, mutual funds, equity, gold, and real estate. It describes the financial planning process and pyramid. It provides strategies for tax savings under various tax code sections. It discusses the responsibilities and learnings from an internship at Karvy Stock Broking, including portfolio analysis, client activation, and understanding stock market fluctuations.
This document discusses investment management. It defines investment as committing funds with an expectation of positive return. The two main forms of investment are real investments in assets like land and machinery, and financial investments in contracts. Investment management aims to meet clients' investment goals through activities like asset allocation, portfolio strategy, and monitoring holdings. It also coordinates investments with other financial planning. Risk and return are important considerations in investment decisions, as there is generally a tradeoff between higher risk and higher potential returns.
This presentation will give users a general overview of many aspects of the industry and its purpose, including:
• The benefits of hedge fund investing
• Who invests in hedge funds?
• Who regulates the hedge fund industry?
• The various strategies and types of hedge funds
• How do hedge funds generate returns for their investors
Learn more about the global hedge fund industry at: www.hedgefundfundamentals.com.
1. The investor life cycle describes the different phases investors go through over their lifetime from early career to retirement.
2. In the early career phase, investors have a small net worth and are willing to take on higher risks in anticipation of higher returns.
3. As investors move through their mid-career, they accumulate assets and take on less risk by prioritizing capital preservation.
4. In retirement, investments become the primary source of income and capital preservation is the overriding concern with lower risk investments.
This document summarizes the four types of wealth: financial, social, time, and physical wealth. It discusses each type of wealth in 2-3 paragraphs. Financial wealth is defined as financial freedom from worries through understanding fundamentals like investing, spending wisely, budgeting, and financial literacy. Social wealth is one's status and is achieved through skills like persuasion and developing a high quality reputation and character. Time wealth is having freedom to spend one's own time however one chooses, which many lack due to trading time for money. Physical wealth is one's health, which is essential to achieving the other types of wealth through fundamentals like nutrition, sleep, exercise, and avoiding unhealthy habits.
This document provides an overview of financial planning, including what it is, its objectives, why it is needed, and the benefits it can provide. Financial planning is a process that identifies an individual's financial needs and goals over time and ensures they have the necessary funds available when needed. It involves savings and investment planning, asset allocation, insurance, taxes, retirement, and estate planning. The benefits of financial planning include having money available for needs and emergencies, maintaining one's standard of living in retirement, tax efficiency, funding education and marriage, and peace of mind.
This document provides an overview of securitization, including:
- Securitization is the process of converting illiquid assets into liquid assets by pooling them and selling securities backed by the pooled assets.
- The key participants are originators, special purpose vehicles, investors, and servicers. Assets like mortgages, credit cards, auto loans can be securitized.
- Benefits include off-balance sheet financing for originators and returns for investors. Risks include collateral, structural, legal, and third party risks.
- India has taken steps to regulate securitization but lacks a comprehensive framework and standardization.
This document provides information about mutual funds including their structure, types, history in India, advantages and disadvantages. It discusses that a mutual fund is a trust that collects money from investors and invests in stocks, bonds, money market instruments and other securities. The document outlines the key entities involved in mutual funds like sponsors, trustees, asset management companies, custodians and various distribution channels. It also summarizes the different types of mutual fund schemes and provides a brief history of mutual funds in India from 1964 to the present.
David Fernquist of LPL Financial provides wealth management services including comprehensive planning, investment management, reporting and monitoring. The document outlines LPL Financial's focus on understanding each client's unique situation and goals. It describes the various planning, advisory, investment research and portfolio construction services offered to help clients achieve their objectives and transfer wealth effectively.
Portfolio management services are meant for high net worth individuals who want a personalized and professional management of their finances by a team of experts. PMS provides custom investment solutions and strategies through extensive research to achieve clients' investment objectives. It offers higher returns than mutual funds through concentrated portfolios of 18-25 stocks that are closely monitored and rebalanced regularly. Fees for PMS include upfront fees of 2% of assets and performance fees of up to 20% of returns above 10%. The minimum investment amount is 25 lakhs for a minimum suggested holding period of 3 years.
The document provides information on financial planning across different life stages in 4 steps:
1) Analyzing current financial status, 2) Setting financial goals, 3) Developing a plan to achieve goals, and 4) Regularly reviewing progress. It emphasizes the importance of starting financial planning early to benefit from compounding returns over time. Various strategies are outlined for savings, investment, risk management, taxation, and retirement planning to work towards financial independence.
The document provides an overview of investment management concepts including the meaning of investment, objectives of investment, and financial markets. It defines investment as committing funds with the expectation of a positive return in the future. The objectives of investment are outlined as maximizing return, minimizing risk, and hedging against inflation. Different types of financial markets are also introduced such as the primary market, stock exchanges, and their functions in facilitating investment activities.
Venture capital (VC) is a form of private equity and a high-risk, high-return investment. VCs typically invest in startups that cannot raise traditional financing. They expect to lose their entire investment in 1/3 of companies, break even in 1/3, and generate returns from 1/3. VCs raise funds in cycles and have time-bound commitment and investment periods. They earn management fees and carried interest. Associates source deals and manage investments while partners make decisions. VCs prefer different stages and seek influence, liquidation preferences, and exist their investments through dilution or acquisition. There are also angel investors, accelerators, incubators, and corporate VCs that startups may encounter.
This document provides an overview of mutual funds, including their concept, types, advantages, organization, investment strategies, and growth in India. It discusses key mutual fund topics such as open-ended and closed-ended schemes, growth, income, balanced, and money market funds. The document also summarizes the history and growth of the mutual fund industry in India, from its beginnings in 1964 to recent growth and future prospects, with the industry expected to reach $800 billion by 2022 based on past growth rates.
This document provides an overview of hedge funds, including their history, structure, strategies, regulations and fees. It discusses how hedge funds were pioneered in 1949 and aim to generate absolute returns through a variety of investment techniques. The document outlines the key features of hedge fund regulations in India, including the different categories of funds, registration requirements, investment conditions and disclosure obligations. It also explains common hedge fund strategies like arbitrage, short selling, and event driven investments.
This document provides an introduction to investment terminology and concepts. It defines key terms like finance, investment, investor, and differentiates investment from speculation and gambling. It also outlines the major participants in the financial system including households, businesses, governments, banks, insurers, pension funds, and mutual funds. Finally, it describes different types of financial securities and markets.
Private equity consists of investors and funds that make direct investments in private companies or conduct buyouts of public companies. Capital is raised from retail and institutional investors to fund new technologies, expand working capital, make acquisitions, or strengthen balance sheets. Private equity firms partner with investment banks, investors, and management teams. Private equity investments are geared towards long-term strategies in illiquid assets, allowing more control over operations compared to hedge funds which focus on liquid securities. Exits can occur via IPOs, mergers and acquisitions, or recapitalizations. The global private equity industry manages over $2 trillion in assets and invests hundreds of billions annually.
The document discusses private equity, including venture capital and leveraged buyouts. It defines private equity and provides examples of different types of investments. The document makes the case that private equity can outperform public markets over the long term while providing diversification. However, private equity also involves higher risk and lower liquidity than public investments. The document suggests that pension funds should consider allocating 5-10% of their equities to private equity and discusses various ways to invest, such as directly, through private equity managers, or funds of funds. It questions whether new investors have missed opportunities in private equity given consolidation in Europe and high valuations in some regions.
This document discusses NPA (non-performing assets) management. It defines NPAs as loans that are overdue by over 90 days. It categorizes NPAs as substandard, doubtful, and loss assets and outlines the different provisioning rates banks must hold against each category. The document also discusses the types (gross and net NPA), causes, effects of rising NPAs on banks, and strategies banks use to prevent and cure high NPA levels like debt restructuring and asset reconstruction companies.
The document provides information on credit ratings. It begins by defining credit and explaining what a credit rating is. A credit rating evaluates a debtor's ability to repay debt and the likelihood of default. It is determined by credit rating agencies based on both public and private information. The document then discusses the different types of ratings including sovereign, short term, and corporate credit ratings. It provides details on the rating scales and categories used by major agencies. The benefits of credit ratings for both investors and companies are outlined. Finally, it discusses some leading credit rating agencies globally and domestically in India.
Self-Directed Investing by Akhil Lodha, Co-founder of Sliced Investing, and M...Quantopian
In an ideal world an investor has access to a range of investment opportunities that allow her to create a Balanced portfolio based on her risk/return objectives. Unfortunately we don't live an in ideal world and a lot of the investment opportunities have only been available to the Institutional Investor. That trend has started to change as technology and innovation by startups like AngelList, Wealthfront, and Sliced Investing, among others are lowering the barrier to access and allowing more individuals to create a balanced portfolio that meets their investment objectives. In this talk we'll focus on the need for a balanced portfolio, the investing tools for the 'new-age' investor and the future of individual investing.
Quantopian provides this presentation to help people write trading algorithms - it is not intended to provide investment advice.
More specifically, the material is provided for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation or endorsement for any security or strategy, nor does it constitute an offer to provide investment advisory or other services by Quantopian.
In addition, the content neither constitutes investment advice nor offers any opinion with respect to the suitability of any security or any specific investment. Quantopian makes no guarantees as to accuracy or completeness of the views expressed in the website. The views are subject to change, and may have become unreliable for various reasons, including changes in market conditions or economic circumstances.
500 FinTech Overview for ICICI Lombard - 2DEC16Mike Sigal
This document summarizes a presentation given by Mike Sigal of 500 Startups to ICICILombard about the Silicon Valley FinTech/InsurTech landscape. It provides an overview of 500 Startups' funds, investments, and accelerator program. Key details include that 500 Startups is the most active early-stage investor in FinTech globally, having invested in over 1700 startups across 50 countries. It also outlines how 500 Startups works with corporate partners and describes some potential areas of collaboration between 500 Startups and ICICILombard, including startup investments.
This document discusses investment management. It defines investment as committing funds with an expectation of positive return. The two main forms of investment are real investments in assets like land and machinery, and financial investments in contracts. Investment management aims to meet clients' investment goals through activities like asset allocation, portfolio strategy, and monitoring holdings. It also coordinates investments with other financial planning. Risk and return are important considerations in investment decisions, as there is generally a tradeoff between higher risk and higher potential returns.
This presentation will give users a general overview of many aspects of the industry and its purpose, including:
• The benefits of hedge fund investing
• Who invests in hedge funds?
• Who regulates the hedge fund industry?
• The various strategies and types of hedge funds
• How do hedge funds generate returns for their investors
Learn more about the global hedge fund industry at: www.hedgefundfundamentals.com.
1. The investor life cycle describes the different phases investors go through over their lifetime from early career to retirement.
2. In the early career phase, investors have a small net worth and are willing to take on higher risks in anticipation of higher returns.
3. As investors move through their mid-career, they accumulate assets and take on less risk by prioritizing capital preservation.
4. In retirement, investments become the primary source of income and capital preservation is the overriding concern with lower risk investments.
This document summarizes the four types of wealth: financial, social, time, and physical wealth. It discusses each type of wealth in 2-3 paragraphs. Financial wealth is defined as financial freedom from worries through understanding fundamentals like investing, spending wisely, budgeting, and financial literacy. Social wealth is one's status and is achieved through skills like persuasion and developing a high quality reputation and character. Time wealth is having freedom to spend one's own time however one chooses, which many lack due to trading time for money. Physical wealth is one's health, which is essential to achieving the other types of wealth through fundamentals like nutrition, sleep, exercise, and avoiding unhealthy habits.
This document provides an overview of financial planning, including what it is, its objectives, why it is needed, and the benefits it can provide. Financial planning is a process that identifies an individual's financial needs and goals over time and ensures they have the necessary funds available when needed. It involves savings and investment planning, asset allocation, insurance, taxes, retirement, and estate planning. The benefits of financial planning include having money available for needs and emergencies, maintaining one's standard of living in retirement, tax efficiency, funding education and marriage, and peace of mind.
This document provides an overview of securitization, including:
- Securitization is the process of converting illiquid assets into liquid assets by pooling them and selling securities backed by the pooled assets.
- The key participants are originators, special purpose vehicles, investors, and servicers. Assets like mortgages, credit cards, auto loans can be securitized.
- Benefits include off-balance sheet financing for originators and returns for investors. Risks include collateral, structural, legal, and third party risks.
- India has taken steps to regulate securitization but lacks a comprehensive framework and standardization.
This document provides information about mutual funds including their structure, types, history in India, advantages and disadvantages. It discusses that a mutual fund is a trust that collects money from investors and invests in stocks, bonds, money market instruments and other securities. The document outlines the key entities involved in mutual funds like sponsors, trustees, asset management companies, custodians and various distribution channels. It also summarizes the different types of mutual fund schemes and provides a brief history of mutual funds in India from 1964 to the present.
David Fernquist of LPL Financial provides wealth management services including comprehensive planning, investment management, reporting and monitoring. The document outlines LPL Financial's focus on understanding each client's unique situation and goals. It describes the various planning, advisory, investment research and portfolio construction services offered to help clients achieve their objectives and transfer wealth effectively.
Portfolio management services are meant for high net worth individuals who want a personalized and professional management of their finances by a team of experts. PMS provides custom investment solutions and strategies through extensive research to achieve clients' investment objectives. It offers higher returns than mutual funds through concentrated portfolios of 18-25 stocks that are closely monitored and rebalanced regularly. Fees for PMS include upfront fees of 2% of assets and performance fees of up to 20% of returns above 10%. The minimum investment amount is 25 lakhs for a minimum suggested holding period of 3 years.
The document provides information on financial planning across different life stages in 4 steps:
1) Analyzing current financial status, 2) Setting financial goals, 3) Developing a plan to achieve goals, and 4) Regularly reviewing progress. It emphasizes the importance of starting financial planning early to benefit from compounding returns over time. Various strategies are outlined for savings, investment, risk management, taxation, and retirement planning to work towards financial independence.
The document provides an overview of investment management concepts including the meaning of investment, objectives of investment, and financial markets. It defines investment as committing funds with the expectation of a positive return in the future. The objectives of investment are outlined as maximizing return, minimizing risk, and hedging against inflation. Different types of financial markets are also introduced such as the primary market, stock exchanges, and their functions in facilitating investment activities.
Venture capital (VC) is a form of private equity and a high-risk, high-return investment. VCs typically invest in startups that cannot raise traditional financing. They expect to lose their entire investment in 1/3 of companies, break even in 1/3, and generate returns from 1/3. VCs raise funds in cycles and have time-bound commitment and investment periods. They earn management fees and carried interest. Associates source deals and manage investments while partners make decisions. VCs prefer different stages and seek influence, liquidation preferences, and exist their investments through dilution or acquisition. There are also angel investors, accelerators, incubators, and corporate VCs that startups may encounter.
This document provides an overview of mutual funds, including their concept, types, advantages, organization, investment strategies, and growth in India. It discusses key mutual fund topics such as open-ended and closed-ended schemes, growth, income, balanced, and money market funds. The document also summarizes the history and growth of the mutual fund industry in India, from its beginnings in 1964 to recent growth and future prospects, with the industry expected to reach $800 billion by 2022 based on past growth rates.
This document provides an overview of hedge funds, including their history, structure, strategies, regulations and fees. It discusses how hedge funds were pioneered in 1949 and aim to generate absolute returns through a variety of investment techniques. The document outlines the key features of hedge fund regulations in India, including the different categories of funds, registration requirements, investment conditions and disclosure obligations. It also explains common hedge fund strategies like arbitrage, short selling, and event driven investments.
This document provides an introduction to investment terminology and concepts. It defines key terms like finance, investment, investor, and differentiates investment from speculation and gambling. It also outlines the major participants in the financial system including households, businesses, governments, banks, insurers, pension funds, and mutual funds. Finally, it describes different types of financial securities and markets.
Private equity consists of investors and funds that make direct investments in private companies or conduct buyouts of public companies. Capital is raised from retail and institutional investors to fund new technologies, expand working capital, make acquisitions, or strengthen balance sheets. Private equity firms partner with investment banks, investors, and management teams. Private equity investments are geared towards long-term strategies in illiquid assets, allowing more control over operations compared to hedge funds which focus on liquid securities. Exits can occur via IPOs, mergers and acquisitions, or recapitalizations. The global private equity industry manages over $2 trillion in assets and invests hundreds of billions annually.
The document discusses private equity, including venture capital and leveraged buyouts. It defines private equity and provides examples of different types of investments. The document makes the case that private equity can outperform public markets over the long term while providing diversification. However, private equity also involves higher risk and lower liquidity than public investments. The document suggests that pension funds should consider allocating 5-10% of their equities to private equity and discusses various ways to invest, such as directly, through private equity managers, or funds of funds. It questions whether new investors have missed opportunities in private equity given consolidation in Europe and high valuations in some regions.
This document discusses NPA (non-performing assets) management. It defines NPAs as loans that are overdue by over 90 days. It categorizes NPAs as substandard, doubtful, and loss assets and outlines the different provisioning rates banks must hold against each category. The document also discusses the types (gross and net NPA), causes, effects of rising NPAs on banks, and strategies banks use to prevent and cure high NPA levels like debt restructuring and asset reconstruction companies.
The document provides information on credit ratings. It begins by defining credit and explaining what a credit rating is. A credit rating evaluates a debtor's ability to repay debt and the likelihood of default. It is determined by credit rating agencies based on both public and private information. The document then discusses the different types of ratings including sovereign, short term, and corporate credit ratings. It provides details on the rating scales and categories used by major agencies. The benefits of credit ratings for both investors and companies are outlined. Finally, it discusses some leading credit rating agencies globally and domestically in India.
Self-Directed Investing by Akhil Lodha, Co-founder of Sliced Investing, and M...Quantopian
In an ideal world an investor has access to a range of investment opportunities that allow her to create a Balanced portfolio based on her risk/return objectives. Unfortunately we don't live an in ideal world and a lot of the investment opportunities have only been available to the Institutional Investor. That trend has started to change as technology and innovation by startups like AngelList, Wealthfront, and Sliced Investing, among others are lowering the barrier to access and allowing more individuals to create a balanced portfolio that meets their investment objectives. In this talk we'll focus on the need for a balanced portfolio, the investing tools for the 'new-age' investor and the future of individual investing.
Quantopian provides this presentation to help people write trading algorithms - it is not intended to provide investment advice.
More specifically, the material is provided for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation or endorsement for any security or strategy, nor does it constitute an offer to provide investment advisory or other services by Quantopian.
In addition, the content neither constitutes investment advice nor offers any opinion with respect to the suitability of any security or any specific investment. Quantopian makes no guarantees as to accuracy or completeness of the views expressed in the website. The views are subject to change, and may have become unreliable for various reasons, including changes in market conditions or economic circumstances.
500 FinTech Overview for ICICI Lombard - 2DEC16Mike Sigal
This document summarizes a presentation given by Mike Sigal of 500 Startups to ICICILombard about the Silicon Valley FinTech/InsurTech landscape. It provides an overview of 500 Startups' funds, investments, and accelerator program. Key details include that 500 Startups is the most active early-stage investor in FinTech globally, having invested in over 1700 startups across 50 countries. It also outlines how 500 Startups works with corporate partners and describes some potential areas of collaboration between 500 Startups and ICICILombard, including startup investments.
Startup Stage - Fintech - Presentation by Radoslav Albrecht, Founder & CEO of Bitbond at the NOAH Conference Berlin 2017, Tempodrom on the 22nd of June 2017.
How FinTech is Changing Personal Finance Dara Albright
Depressed interest rates and volatile equity markets are driving an unprecedented interest in retail alternative investment products. Fortunately, through the intersection of technology and regulation, new FinTech archetypes are emerging to satisfy that demand. This is the slidedeck used during the 9/21/16 webinar, “How FinTech is Changing Personal Finance” which highlighted some of these groundbreaking technologies, tools, apps, rules and investment products that are transforming the financial services industry and changing the way people invest as well as save for retirement. The webinar is available on-demand at https://www.brighttalk.com/webcast/9407/193819
451 Research has influence over tens of thousands of IT professionals through its research and insights. Its analyst team speaks at hundreds of conferences worldwide each year, reaches over 13,000 IT professionals representing over $100 billion in buying power, and has impacted over $160 billion in M&A deals in the IT sector over the past five years. 451 Research also delivers thought leadership through thousands of webinars, videos and other content each year to extend its sphere of influence beyond direct subscribers.
This document compares and contrasts venture capital (VC) and initial coin offerings (ICOs) as forms of startup funding. Some key differences highlighted include:
- Tokens from ICOs do not confer ownership in a company, while VC investors own a piece.
- ICO funding is faster with potential liquidity within weeks, while VC funding has longer timelines.
- ICO investors can include anyone, while VCs tend to be institutions or accredited investors.
- Governance and regulation are less clear for ICOs currently compared to established rules for VCs.
The conclusion is that while ICOs have exceeded VC funding in recent times, the ICO market is still immature and not a
- There has been significant disruption in the venture capital industry due to changes like the rise of internet users, faster internet speeds, increased mobility, and social connectivity.
- The venture capital model has changed from relying primarily on board interactions and "VC knows best" to providing more operational support, thought leadership, peer learning platforms, and industry insights for portfolio companies.
- Leading venture capital firms are differentiating themselves by investing in extensive operational support services, transparency through blogging, peer-to-peer learning opportunities, and leveraging their domain expertise and relationships within specific industries.
This document discusses optimal learning for the modern age and introduces Lecturio, a leading European video learning publisher and service provider. Lecturio has over 250,000 users, 2 million answered quizzes, and offers over 18,000 hours of video learning content across business, law, medicine, IT and other fields for both individual users and corporate clients. The managing director explains how Lecturio can help companies and individuals stay up to date, drive staff performance through compliance trainings, and attract and retain talent with an online learning academy.
apidays LIVE London 2021 - From Open Banking to Embedded Finance by Simon Tor...apidays
apidays LIVE London 2021 - Reaching Maximum Potential in Banking & Insurance with API Mindset
October 27 & 28, 2021
From Open Banking, to Embedded Finance and Insurance
From Open Banking to Embedded Finance
Simon Torrance, Founder & CEO at Embedded Finance & Super App Strategies
VC vs ICO Funding, Macau conference, Ken Berger and Hen Tekle 12/17Ken Berger
This document compares and contrasts venture capital (VC) and initial coin offerings (ICOs) as forms of startup funding. Some key differences highlighted include:
- Tokens from ICOs do not confer ownership in a company, while VC investors own a piece.
- ICO funding is faster with potential liquidity within weeks, while VC funding has longer timelines.
- ICO investors can include anyone, while VCs tend to be institutions or accredited investors.
- Governance and regulation are less clear for ICOs currently compared to established rules for VCs.
- While ICO funding for startups has recently exceeded VC funding, the ICO market is still immature and faces risks of bubbles
Venture capital involves providing funding to young companies that cannot raise capital through public markets or bank loans. Venture capitalists typically invest in early-stage companies and expect returns of 30-50% over 3-7 years. They are actively involved through board seats. Venture capital started growing in the US post-World War II and boomed in the 1960s and 1980s but saw declines. On average, 3 out of 10 venture investments are successful, yielding returns of 5-10 times the initial investment. Venture capitalists add value through strategic guidance and connections.
The document discusses social media return on investment (ROI) and how it can be achieved. It notes that 93% of B2B marketers use social media, focusing on LinkedIn, Facebook and Twitter. Key types of social media ROI are identified as increased engagement, reduced costs, higher revenue, deeper loyalty, expanded awareness and peer-to-peer word of mouth. Methods to achieve higher ROI include interactive involvement, online and offline integration, channel integration, crowdsourcing, incentives and innovations. The document provides examples of how Cisco has used social media to reduce costs, expand channels, drive higher revenue and deeper loyalty.
This document discusses lessons for effective collaboration between startups and corporations from the insurtech world. It provides examples of corporations partnering with startups through pilots and frameworks to ensure success. Models for collaboration include observing startups, collaborating on projects, and startups getting funded by corporations. The insurtech ecosystem is seeing billions invested in startups that can reinvent insurance buying, manage risk better, and leverage sharing economies. Collaboration helps corporations access innovation and startups access markets.
This document discusses how fintech is shaping the future of financial services through five key transformations:
1. Fintech startups are stepping in between banks and their customers.
2. Robo-advisors are replacing human wealth advisors.
3. Fintech startups are distributing insurance plans without agents.
4. POS technology is going mobile with solutions like Square.
5. Blockchain technology is streamlining financial processes.
These transformations threaten traditional financial institutions with reduced profits and market share but also push them to acquire or partner with startups. Ultimately fintech poses a major threat but also addresses customer needs in new ways.
This presentation provides an overview of how companies, through their investor relations departments, are using social media to communicate with shareholders, analysts and investors.
The document discusses SPIXII, a company that provides conversational AI solutions for insurance and financial services. It summarizes SPIXII's mission to empower companies through conversational bots, outlines its experience and team, and describes how it works with clients to develop bots for tasks like quoting, customer care, and claims processing. It also provides testimonials from clients and discusses SPIXII's business model and growth plans.
Perspective on Innovation in Asset ManagementThierry Zois
These slides will give you a good overview on the current asset management market in Europe, South East Asia and US.
Finch believes that it is currently in the right position to be disrupted - come figure out why.
The document describes InvesTarget, a cross-border investment platform connecting Chinese investors with overseas investment opportunities. It highlights InvesTarget's positioning as the most professional cross-border M&A platform in China. It outlines InvesTarget's advantages such as its large network of investors, projects, and transaction managers. It also describes the services InvesTarget provides to help lower the barriers for Chinese investors engaging in cross-border deals.
Cisco Consulting Director for Retail, Jon Stine, provides an overview of the value of the Internet of Everything for the Retail industry. This presentation outlines how retailers can capture revenues by implementing Internet of Everything strategies.
Internet of Everything Collaboration IndexCisco Services
In the Internet of Everything (IoE) economy, there will be leaders and laggards, winners and losers. And collaboration, video, and mobility technologies will play a crucial role in determining who captures their share of the value at stake, which Cisco projects as a staggering $14.4 trillion. That’s a 21 percent increase in corporate profits over the next ten years. But how can organizations assess where they stand, before determining their strategies for realizing that value? Cisco Consulting Service’s IoE Collaboration Index is a tool that can help. Find out more: http://www.cisco.com/go/ioecollab
The Financial Impact of BYOD Full PresentationCisco Services
The complete presentation of global findings from Cisco's research and surveys on the financial impact of BYOD (Bring Your Own Device). Request your custom BYOD assessment today: http://cs.co/BYOD-contactme
Download this BYOD economic analysis and more at http://cs.co/BYOD-Economics
Request a custom BYOD assessment: http://cs.co/BYOD-contactme
"Bring your own Device" (BYOD) sparks productivity and saves costs by connecting employee devices to corporate networks--an example of how the Internet of Everything is creating value around the world. But the current value is dwarfed by the potential gains from implementing BYOD more strategically.
Ten Technology Trends that Will Shape the Next-Generation InternetCisco Services
The 10 technology trends discussed in this paper (http://www.cisco.com/web/about/ac79/docs/sp/Next-Generation-of-the-Internet.pdf) will significantly alter the next generation of the Internet. Characterized as the New Digital Explosion, the future Internet will be considerably faster, smarter, more connected and pervasive, and more mobile. This new world will ignite life- and society-changing applications and services that may be unimaginable today. In the not-so-distant future, our children will be viewed as the “Internet dinosaurs.”
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If you are a service provider and would like to be contacted about how we can help your business, please fill out the form at the end of this presentation.
The document discusses the potential value of connecting the currently unconnected "things" through the Internet of Everything (IoE). It finds that while only 10 billion out of 1.5 trillion "things" are currently connected, connecting the unconnected could create $14.4 trillion in value for businesses over the next decade. Specifically, two-thirds of this value would come from industry-specific use cases while one-third would come from cross-industry use cases. The document provides examples of potential value across different industries and geographies to demonstrate how companies could benefit from embracing IoE.
Cisco IBSG shares areas where Big Data will provide significant opportunities for Retailers over the next several years. This discussion will focus being in the store. For more info: http://cs.co/ibsg-bigdataretail
Transforming the City of New York: New Platform for Public-Private Cooperatio...Cisco Services
The document introduces City24/7, a new platform that aims to transform cities through public-private cooperation and smart technologies. City24/7 is an interactive platform that integrates information from open government, businesses, and citizens to provide knowledge on any device. It intends to inform, protect, and revitalize cities by connecting people and improving safety, commerce, and tourism through access to real-time, local information on smart screens and mobile devices. The document outlines challenges cities currently face and how City24/7 seeks to address them through new economic models and technological connectivity between citizens.
Download this survey report: http://cs.co/ibsg-ddc
To explore the current state of decision making, and the challenges that confront firms in making good decisions, the Cisco® Internet Business Solutions Group (IBSG) launched its Horizons Collaboration study.
The Government Cloud: An Opportunity for Service ProvidersCisco Services
This document discusses opportunities for service providers in government cloud computing. It notes that governments are increasingly deploying clouds to reduce costs, increase transparency, and improve citizen services. Service providers can help meet governments' IT challenges by offering cloud services that standardize systems, improve agility, and better secure and manage data. The document examines which government IT services are most suitable for cloud deployment and how cloud computing can enable the next-generation digital workplace for government employees and agencies. It emphasizes the value service providers can offer through end-to-end service level agreements and orchestration of network and IT assets in their cloud service portfolios.
The Net Effect: It's Not What We Make, It's What We Make PossibleCisco Services
The document discusses how technological progress is accelerating exponentially. By 2020 there will be over 50 billion connected devices, and 3D printing is advancing to the point where complex objects, foods, and even buildings can be printed on demand. This represents a shift to an "on-demand" economy where anything can be downloaded or produced as needed, placing new demands on networks and infrastructure to support this new paradigm.
To determine whether BYOD is simply a U.S. — or even just a “U.S. enterprise” — phenomenon, the Cisco® Internet Business Solutions Group (IBSG) expanded its original “BYOD and Virtualization” study to include IT decision makers in both enterprises (1,000 or more employees) and midsize companies (500-999 employees) in eight countries across three regions. Cisco IBSG's results show that BYOD’s growth isn’t limited to the United States or to large companies.
Connected Sports Fan: Best of Home Viewing Comes to Live SportsCisco Services
The business of sports is undergoing tremendous change, impacted by higher costs, economic pressures, and an improved home viewing experience. Cisco’s Internet Business Solutions Group (IBSG), in collaboration with Cisco’s Sports Entertainment Solutions Group, has conducted extensive research to uncover key insights about the expectations and desires of sports fans, and how video and communications technology might bring the best of the “at home” sports experience into the stadium. More info: http://cs.co/IBSG-SportsFan
Collaboration and Inclusion: Insights on Adoption and Value CreationCisco Services
Download this information: http://cs.co/IBSG-Collaboration
Explore more Cisco IBSG Horizons work: http://www.cisco.com/web/about/ac79/re/re.html
Cisco's Internet Business Solutions Group (IBSG), together with the Americas Inclusion Strategy Group, has conducted extensive research and analysis to uncover key insights about the use of collaboration solutions in U.S. enterprises to drive business value. Part of IBSG’s ongoing Horizons primary research program, this study reveals the many ways companies use collaboration technology, and how inclusive business practices help derive greater value from collaboration.
Mobile technologies are reshaping retail by enabling new consumer experiences and opportunities for retailers. Mobility is having the biggest impact in mobile marketing, shopper services, mobile payments, and mobile store operations. By focusing on these areas, retailers can increase net margins by as much as 10 percent through delivering instant, contextual answers to consumers' questions on mobile devices.
Catch ’Em and Keep ’Em: Revitalizing the Store in a Cross-Channel World.
Based on original research conducted by Cisco IBSG in the U.S. and U.K., cross-channel shopping demands a new approach to win customers and capture wallet.
More info: http://www.cisco.com/web/about/ac79/retailcpg/nrf-2012.html
Mobility and cloud computing are colliding. This presentation highlights the surprising results from a Cisco IBSG study to better understand this dynamic market.
For more information on this presentation:
http://www.cisco.com/web/about/ac79/cloudcollide
Cisco IBSG Service Provider:
http://www.cisco.com/web/about/ac79/sp
Knowledge production is moving from creation by individual specialists to creation by communities of practice. Peer partnerships between ICT companies and “local” organizations — powered by “people software” -- are defining a new path toward increased competitiveness for developing countries. http://www.cisco.com/web/about/ac79/docs/ps/BoSE_IBSG.pdf
To understand how national health leaders view contemporary challenges and opportunities, the Cisco® Internet Business Solutions Group (IBSG) and Princeton Survey Research Associates International (PSRAI) surveyed more than 100 senior leaders from 16 nations. The health leaders’ survey responses test several commonly held beliefs and provide thought-provoking opportunities.
The Rise of Generative AI in Finance: Reshaping the Industry with Synthetic DataChampak Jhagmag
In this presentation, we will explore the rise of generative AI in finance and its potential to reshape the industry. We will discuss how generative AI can be used to develop new products, combat fraud, and revolutionize risk management. Finally, we will address some of the ethical considerations and challenges associated with this powerful technology.
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
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1. Winning the Battle for the Wealthy Investor Robert Waitman, Director Cisco IBSG Financial Services 1
2. Cisco Wealth Management Survey Investors lack confidence in the markets and they have spread their assets across many firms and advisors. The Under-50 investor represents a huge opportunity for firms….significant assets, very involved clients, but willing to leave. Technology (which they already use in their daily lives) is one of the differentiators….with $18B of revenue at stake, the time to act is now. 2
4. 4 Many Now Believe the Playing Field Is Not Level… The financial markets are a level playing field where investors like me have a fair chance to succeed. Sample Size = 1,000 Source: Cisco IBSG Economics Practice, November 2010
5. …And 50% Believe Retirement Will Be Delayed Think about the effects of the recent global economic crisis on the performance of your investments. Will the crisis cause you to delay your retirement date? 50% Sample Size = 555 Source: Cisco IBSG Economics Practice, November 2010
6. 80% Have Assets Spread Across More Than One Firm… With how many different financial services firms do you have invested assets? 80% Sample Size = 1,000 Source: Cisco IBSG Economics Practice, November 2010
7. 30% Have No Financial Advisor Do you have a financial advisor to help you make investment decisions? Sample Size = 1,000 Source: Cisco IBSG Economics Practice, November 2010
8. 8 …Because They Feel Fees Are Too High While Returns and Trust Are Too Low Why do you not have a financial advisor? (Top 5) Sample Size = 295 Source: Cisco IBSG Economics Practice, November 2010
10. Overall Assets by Age: U.S. 10 As a Whole, Under-50 Investors Hold 28% of U.S. Assets Sources: U.S. Consumer Statistics, 2007; Cisco IBSG, November 2010
11. Percent who expect significant increase in investable assets through gift or inheritance in next 10 Years, by age and assets 11 Wealth Transfer Will Make Under-50 Investors Even Wealthier Sample Size = 1,000 Source: Cisco IBSG Economics Practice, November 2010
12. 12 Under-50 Investors Spend More Time Managing Their Investments… Percent who spend 8+ hours per month managing investments (By age) Sample Size = 1,000 Source: Cisco IBSG Economics Practice, November 2010
13. 13 …And Demand Significant Time and Attention from Their Financial Advisors Percent who interact daily or weekly with financial advisor to discuss investments (By age) Sample Size = 705 Source: Cisco IBSG Economics Practice, November 2010
14. 14 Even So, More Under-50 Investors Switched Advisors During the Crisis Age Distribution of Wealthy Investors who Switched Financial Advisors Sample Size = 705 Source: Cisco IBSG Economics Practice, November 2010
15. 15 Under-50 Investors Are Very Interested In and Comfortable with Technology… Technology attitudes and adoption level (By age) 86% 76% Early Majority 49% 32% Early Adopter Sample Size = 1,000 Source: Cisco IBSG Economics Practice, November 2010
16. 16 …As Shown by Tablet PC Adoption Percent of respondents who own a tablet PC (By age) Sample Size = 1,000 Source: Cisco IBSG Economics Practice, November 2010
17. 17 Under-50’s Interested in Using Various Technologies to Interact with Advisors Source: Cisco IBSG Economics Practice, November 2010
19. Scenario 1: Service to Provide Access to Firm and Other Experts Receive access to multiple experts with specific expertise such as accountants and lawyers Service coordinated by primary financial advisor Meetings take place using high-definition video available in financial advisor’s office Source: Cisco IBSG, November 2010
20. 20 Business Context: Under-50 Investors Consult Several Professionals… Not including your financial advisor, which of the following professionals do you consult about matters related to your investments? Sample Size = 705 Source: Cisco IBSG Economics Practice, November 2010
21. 21 …Are Interested in Using High-Definition Video… Percent “interested” and “very interested” in using high-definition video in financial advisor’s office to meet with multiple experts 63% Very Interested 30% 21% Interested Sample Size = 1,000 Source: Cisco IBSG Economics Practice, November 2010
22. 22 …And Are Willing to Move Investments to Receive Service Percent who would move investments to access high-definition video from advisor’s office to meet with multiple experts Sample Size = 1,000 Source: Cisco IBSG Economics Practice, November 2010
23. 23 …And Are Willing to Move Investments to Receive Service Percent who would move investments to access high-definition video from advisor’s office to meet with multiple experts $18.6 B (Under-50s) $28.6 B overall Sample Size = 1,000 Source: Cisco IBSG Economics Practice, November 2010
24. Scenario 2: Service to Give Access to Online Investor Community Investors given access to an online investor community (social network) to discuss strategies, ideas, stock picks with other investors Investors could follow trades of other investors, chat online, etc. Source: Cisco IBSG Economics Practice, November 2010
25. 25 …And Are Open to Joining Investor Communities Percent “interested” and “very interested” in investor community (social network) 66% Very Interested 23% 14% Interested Sample Size = 1,000 Source: Cisco IBSG Economics Practice, November 2010
26. 26 Business Context: Under-50 Investors Using Social Networks, Blogs Technology usage for managing and discussing investments (By age) Sample Size = 1,000 Source: Cisco IBSG Economics Practice, November 2010
31. Leading Use Cases to Get Started Internal teaming / mentoring / specialist involvement Bringing firm expertise to client and prospects more quickly and more often Involving experts to close deals more quickly “Virtual” offsite for client VIPs (build loyalty) Staying well connected to client despite their location (reduce attrition) Connecting to next generation / Holding family financial meeting Establishing firm as a leader (to clients, employees) Source: Cisco IBSG, 2011
32. In Closing.... Wealth Management industry on the brink of change as clients – especially those under 50 – are not satisfied with existing choices New ways of interacting, especially high quality video, seen as a differentiator With $18 B of revenue at risk, firms now piloting and deploying these capabilities Source: Cisco IBSG, 2011
33. For more information on this research and the Cisco IBSG Financial Services Practice, visit http://www.cisco.com/go/ibsg/financialservices
Editor's Notes
Note: Base = All respondents
Note: Base = All Respondnets
Note: Uses (modified) technology adoption cycle from Geoffrey Moore’s “Crossing the Chasm.”Respondents self-identified their attitudes toward technology through the following questions:Early Adopter = I know the names of the latest new consumer technology products before my friends and familyand am typically among the first of my friends and family to purchase the latest technologyproducts on the market.Early majority = I’m interested in new consumer technology, and I own a few innovative products, but not as manyas the typical technology enthusiast.Late Majority = I typically wait to purchase a new consumer technology product until it is proven, and mosteveryone is using it.Laggard = In general, I am the last of my friends and family to know the names of new cutting-edgetechnology products and I avoid new technology products as long as I possibly can.
Note: Uses (modified) technology adoption cycle from Geoffrey Moore’s “Crossing the Chasm.”Respondents self-identified their attitudes toward technology through the following questions:Early Adopter = I know the names of the latest new consumer technology products before my friends and familyand am typically among the first of my friends and family to purchase the latest technologyproducts on the market.Early majority = I’m interested in new consumer technology, and I own a few innovative products, but not as manyas the typical technology enthusiast.Late Majority = I typically wait to purchase a new consumer technology product until it is proven, and mosteveryone is using it.Laggard = In general, I am the last of my friends and family to know the names of new cutting-edgetechnology products and I avoid new technology products as long as I possibly can.
Note: Base = Have FA
Note: TelePresence not specifically mentioned in question
Note: Base = Have FA
Base = All RespondnetsNote: Move Investments = Respondents willing to move Some investments through those willing to move all investments
Base = All RespondnetsNote: Move Investments = Respondents willing to move Some investments through those willing to move all investments
Note: TelePresence not specifically mentioned in question
Note: Base = All Survey RespondentsInterested = 7 and 8 on 10 point scale where 1 = Not at all interested and 10 = Extremely interestedVery interested = 9 and 10 on 10 point scale
Success with a new strategy for wealth management will require a segmented approach and will depend on the customer focus for a particular bank or wealth management firmBased on our survey we have found four segments of the wealthy under 50 market that have different needs:The Ultra-High-Net-Worth investors are typically well served today. Banks can afford to have a high touch face-to-face approach to these investors. Based on the input from these investors in the survey the most important addition that banks can make is to broaden the exposure to not only the main wealthy person but also to that individual’s family members. Currently most interactions happen between the financial advisor and the ultra-high net worth individual. These investors would however like to involve additional family members for discussion having significant financial implications for the family wealth. These famlies are typically spread across a large geographical area. Using high definition video solutions to connect multiple family members in the same meeting with the financial adviser would be highly valued by investors. This would in addition limit the risk for a bank of only being linked to one wealthy individual per familyThe main battle for the wealthy will be for the next two segments in the pyramid: the High- Net-Worth investors and the Mass-Affluent investors. These are the investor categories where banks cannot afford the same level of high touch face-to-face interactions as with the Ultra High-Net Worth segment. These are the segments that primarily ask for a new approach to interactions with their Financial Adviser. Using technology as an enabler banks can provide both the frequency, the quality and the personalization of advice that will be important differentiators to win this segment. In the adviser-less segment the bank cannot afford a model with frequent personalized interactions. In this segment the key approach will be to find a way provide value and differentiaton as the orchestrator of self-service. A bank would benefit from being branded as a value-added contributor to interactions between investors who come together in investor communities enabled by social media