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OPAL for goal-based financial advice and monitoring

 

OPAL Platform is founded on Asset Liability Management (ALM) methodologies from the world of institutional investments. The renowned, high-quality scenario models of Ortec Finance are applied to individual investors, in what we call Private ALM. It is what makes OPAL truly unique.  

 

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About OPAL

OPAL Platform is founded on Asset Liability Management (ALM) methodologies from the world of institutional investments. The renowned, high-quality scenario models of Ortec Finance are applied to individual investors, in what we call Private ALM. It is what makes OPAL truly unique. 

 

With OPAL personal goals are translated into an optimal investment strategy. This client centric approach increases the likelihood of meeting client expectations and improves business retention. OPAL is a comprehensive software solution that supports investment decision making. By integrating OPAL, risk and return are communicated consistently across the entire product range and business models resulting in a uniform investment experience.

 

OPAL is easily integrated with your business processes, contributing to a structured and efficient process that is compliant with (inter)national regulation. This comprehensive approach results in tailor-made projections, client centric financial advice and, consequently, better investment decisions. OPAL therefore ensures implementation of and compliance with MiFID and ESMA or local guidelines.

 

The web-based financial planning and investment decision support tool meets the needs of different business models as well as a wide range of online advice propositions. OPAL can be easily integrated with your existing architecture, advisory tooling (hybrid) and online(direct) platform, thus guaranteeing real-time web service and fast performance.

 

In summary OPAL is the tool for better client engagement, increasing cost efficiency while bringing consistency in the advice on-line and/or personal.

 

  • Investment decision support
    Thousand economic scenarios provide realistic insight into the development of risk and return and feasibility of achieving goals. Through the use of what-if scenarios OPAL provides a clear picture of the effects of investment decisions, changes in the financial situation of a customer and market developments on the feasibility of goals.
  • Holistic approach
    Projections in OPAL incorporate inflation risk and currency risk for all financial items (salary, pension income, investments, residence etc). Furthermore, client-specific information that affects the financial situation and objectives of the client such as (international) taxes and cost of services are considered as well. Benchmark selection is customizable resulting in economic scenarios that are in line with your investment strategy. Different allocation strategies, like lifecycle or rebalance, can be selected to correspond with different financial goals.
  • Scenarios of institutional quality

    OPAL gives access to the Dynamic Scenario Generator of Ortec Finance used in the institutional market. This powerful stochastic projection engine generates real world economic scenarios that reflect plausible future developments and are built on sophisticated analysis of historical behavior.

  • Localization of financial products and taxes

    OPAL takes local legislation into account. Also characteristics of financial products and taxes are based on the local rules for each country.

  • Monitoring risk and return

    Continuous monitoring of the risk, return and financial goals for individual clients as well as the entire client base allows for proactive and more efficient client management. It increases trust and client satisfaction.

  • Reporting & online communication 

    OPAL platform offers several client advisory, communication and report options to meet the needs of different business models and to support the client’s journey. Client reports range from a traditional financial plan to a variety of online communication options. Clear visual aids that help clients and advisors better understand their options and improve decision-making significantly.

Features

 

OPAL offers three solutions:

  • Wealth planning

A wealth planning tool that helps a client to identify goals, concretize and prioritize them. High-quality scenario projections continuously show the effects of investment decisions, changes in a client’s financial situation and market developments on the feasibility of these goals.

  • Goal-based financial planning

A financial planning tool that additionally offers an integrated cash flow planning tool. The main objective of cash flow planning in OPAL is to identify possible budget shortfalls or surpluses. This information provides information on the effect on the development of capital and the realization of financial goals.

  • Retirement planning

A pension planning tool that offers a unique solution in which asset accumulation (accumulation phase) and pension benefits (decumulation phase) seamlessly fit together, including an integrated risk approach.

 

All solutions can be offered separately or can be integrated into one platform.

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Want to find out how OPAL can integrate in your digital banking platform?

 

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