Protégésoft Financial Visualization Systems: Encompasses Wealth Management, Financial Planning, Portfolio Management and Risk Management Systems for Banks and Financial Institutions.

Protégésoft works to solve the needs of retail and institutional investors by providing financial visualization solutions so that investors and wealth managers can better manage their portfolios. We typically deploy our solutions to large and mid-sized financial institutions. Our solutions are also available direct to consumers through online portals via our SAAS platform. Protégésoft Portfolio Builder is an enterprise oriented platform for financial planning, portfolio and risk management for wealth management applications in a web 2.0 environment.

Customers enjoy the following benefits from using our product:  

Ö         Dynamically manage investment risk to create profit and risk opportunities;

Ö         Achieve dramatic workflow productivity, simplification and cost savings;

Ö         Discover and unlock new business market segments;

Ö         Simplify decision making effectively and objectively;

Ö         Execute regulatory and compliance roles cost effectively.

With Portfolio Builder customers can dynamically construct and rebalance portfolios and set alerts to notify users when the risk deviation exceeds acceptable levels. These capabilities result in portfolios that are risk adjusted and helps investors to achieve optimal investment performance.

There are three key benefits to our customers:

1. Optimized investment portfolios resulting in consistent above average returns on portfolios.
2. Lower unit costs for monitoring and rebalancing any portfolio size achieving more than 1000% productivity gains.
3. Multiple account rebalancing, up to 1000 in a minute makes it viable for banks and financial institutions to serve the mass retail market for portfolios of any size.

Unlike other products that are based on static financial information and processes that are too prescriptive resulting in sub-optimal investment performance ours delivers optimal investment performance through dynamic portfolio allocation and rebalancing.

Protégésoft’s innovative Portfolio Builder has received several national and international accolades.

Needs Analysis

·         Know Your Client

·         Risk Analysis

·         High Level Planning

·         Detailed Planning

·         Retirement Plan

·         Education Plan

·         Savings Plan

·         Critical illness and Total Permanent Disability Coverage

·         Income / Expenditure

·         Matching client’s risk tolerance to model portfolios

Compliance and Support Functions

·         Support multiple organizations / franchises

·         Define user types / profiles

·         User sanctioning

·         Risk Questionnaire Setup / Configuration

·         Widget Management

·         Module Management

·         Currency Management

·         Product Management

Portfolio Management

·         Analytics

This feature allows the user to ascertain the mean, risk and expected returns of the fund for multiple time periods. Users will be able to compare funds against the same or other category of funds

Users can also determine performance of model portfolios and monitor NAV growth rates.

·         Portfolio Construction

With this routine, the users can construct portfolios based on high level model portfolios.

·         Strategic Rebalancing

An asset shifting technique to ensure risks are optimized and matched to each client’s risk tolerance.

·         Rebalancing in the presence of transactional costs

Rebalancing of portfolios may incur switching costs and may erode the profitability of the investments. We can optimize portfolio rebalancing with due consideration for transactional costs. It is imperative to mention that the industry has moved to free switching which dramatically improves and favors portfolio rebalancing. 

·         Rebalancing for cash and CPF accounts

The treatment of portfolio rebalancing is different for cash based and CPF based portfolios. The portfolio rebalancing routine is compliant with local regulatory requirements.

·         Public / Internal / Private Models

Model portfolios can be set as Public, Internal or Private Models. Public models will be available to all franchises, while Internal models will be available to only members within the franchise and private models will be viewable by the relationship Manager.

·         Watch list

Users can create their own watch list to monitor funds of their choice.

·         Weighted Risk of Portfolio / Efficiency Frontier

The system computes the weighted risk of the model and actual client portfolios. Portfolios can then be ranked according to their risk efficiency.

·         Alerts

Set alerts whenever weighted risk deviates by x percentage from the stated objective or whenever there is any movement in Net Asset Value of the portfolio by x percentage. The system can also take the costs of rebalancing portfolios before alerting the users.

·         Benchmarking

This feature allows the user to benchmark model portfolios against other models or index funds either graphically or in a tabular format.

·        Model Portfolio Simulation 

The portfolio manager can use the model portfolio simulation module to run a battery of tests based on historical performance of the funds in the portfolio. This module assists the PM in determining the composition and the dynamic asset allocation for the portfolio.  

o         flexibility to create a portfolio of Unit Trusts, Bonds and Cash

o         Single and Multiple time periods to determine the model portfolio

o         Determine the most efficient portfolio given the expected rate of returns for the clients.

o         Eliminate non-performing assets

o         A well diversified portfolio

Multi Language Support

The system needs to be modified to support multiple languages. However, we plan to include multi language support for our future version.

Mobile Version

We are currently developing a mobile version which will only be available in our next version.