The vwd finance guide follows a modular set-up (see diagram). The investment horizon and investment duration are jointly stipulated with the investor and subsequently a granular offer coordinated that precisely suits the investor in the allocation and the product selection. It offers a broad range of products that enables matchings to individual investor needs and preferences in order for them to be able to generate income in each market situation.
First of all the objectives of the investors, the target amount as well as the investment horizon are defined through the application.
Risk appetite and investment preferences
The preferences of the investor are deter-mined and the individual willingness to take risks, the expected return as well as the expectations with regard to costs and tradeability of the investment are recorded digitally.
A suitable asset allocation is proposed based on the criteria defined by the customer.
Selection of instruments
The application proposes suitable invest-ment products to the customer per asset class. The customer can however also make a selection from further suitable alternative products.
The solution combines the competence of the customer in the asset allocation here with a sophisticated, neutral Product Governance. The selection of the products (financial products of all asset and packaging classes, which are stipulated by the provider) is made through a preference allocation. The individual product preferences are calculated cross-asset class by the independent valuation company EDG.
Documentation and transaction
Finally the application makes all relevant documents, product information and reports available to the customer and the transaction can be carried out via the order routing to the transaction system of the financial service provider.
In order for the investor to be able to reach his objectives, the compiled customer-individual portfolio is accom-panied dynamically throughout the life cycle. With our approach you have the possibility to integrate modules, which enable the regular monitoring and adjustment of the end customer portfolio.