ROBO-ADVISORS 2.0. How Automated Investing is Infiltrating the Wealth Management Industry. MyPrivateBanking Report 2 nd edition.

Size: px
Start display at page:

Download "ROBO-ADVISORS 2.0. How Automated Investing is Infiltrating the Wealth Management Industry. MyPrivateBanking Report 2 nd edition."

Transcription

1 1 ROBO-ADVISORS 2.0 How Automated Investing is Infiltrating the Wealth Management Industry Report Extract Original Report with 201 pages plus comprehensive data appendix March 2015 MyPrivateBanking Report 2 nd edition

2 ROBO- ADVISORS CONTENTS TABLE OF CHARTS EXECUTIVE SUMMARY METHODOLOGY ROBO-ADVISOR SERVICES: REPORT FOCUS THE ROBO-ADVISOR PHENOMENON THE ESSENCE OF ROBO-ADVISORY SERVICES ROBO-ADVISOR CLIENT INTERFACES AND TOOLS NEW DEVELOPMENTS IN ROBO-ADVISING FURTHER TECHNOLOGY DISRUPTION ROBO-ADVISOR SERVICES AND TECHNOLOGY: STRATEGIC IMPLICATIONS FOR WEALTH MANAGEMENT ROBO-ADVISOR MARKET SIZE AND GROWTH ON A GLOBAL SCALE THE SEEDS OF THE DIGITAL ADVISORY SERVICES TREND GAUGING THE IMPACT OF ROBO-ADVISORS HOW ROBO-ADVISORS THEMSELVES SEE THEIR INDUSTRY HOW ROBO CHALLENGERS AND THE CHALLENGED SEE THE SITUATION THE ROBO-ADVISORS APPROACH TO INVESTMENT THE ROBO-ADVISOR CHALLENGE - CONCLUSIONS ROBO-ADVISORS STRATEGIC RELATIONSHIPS AS A FACTOR IN WEALTH MANAGEMENT DISRUPTION STRATEGIC DISRUPTION S GLOBAL PERSPECTIVE THE OUTLOOK FOR ROBO-ADVISORS IN EUROPE ROBO-ADVISORS SUMMARY OF FINDINGS KEY FUNCTIONS COVERED BY ROBO-ADVISORS ROBO-ADVISOR CHARACTERISTICS PROVISION OF MOBILE APPLICATIONS ROBO-ADVISOR WEBSITES ROBO-ADVISOR APPROACHES TO RISK TOLERANCE 69

3 ROBO- ADVISORS PROFILES: EXISTING ROBO-ADVISORS, REVIEW AND ASSESSMENT ASSETBUILDER BETTERMENT FUTUREADVISOR MONEYFARM MONEY ON TOAST NUTMEG PERSONAL CAPITAL QUIRION REBALANCE IRA SWISSQUOTE EPRIVATE BANKING VAAMO WEALTHFRONT WISEBANYAN PROFILES: ROBO-ADVISORY SERVICES COVERED FOR THE FIRST TIME IN THIS REPORT NOW! FINANCESCOUT 24 (FINANCESCOUT 24 MANAGED DEPOT) LEARNVEST STOCKSPOT TRUE WEALTH WEALTHSIMPLE PROFILES: ESTABLISHED WEALTH MANAGERS WITH A ROBO- ADVISOR/AUTOMATED SERVICE BMO INVESTORLINE, ADVICEDIRECT FIDELITY INSTITUTIONAL WEALTH SERVICES RITHOLZ WEALTH MANAGEMENT LIFTOFF CHARLES SCHWAB, SCHWAB INTELLIGENT PORTFOLIOS TD AMERITRADE INSTITUTIONAL VANGUARD PERSONAL ADVISOR SERVICES 158

4 ROBO- ADVISORS PROFILES: TECHNOLOGY PROVIDERS ADVIZR IQUANTIFI JEMSTEP ADVISOR PRO NARRATIVE SCIENCE RISKALYZE UPSIDE YSEOP BEST PRACTICES 189 ASSETBUILDER A SELF-ASSESSMENT TOOL THAT PROSPECTS CAN REALLY PLAY AROUND WITH 189 XXX HELPING PROSPECTS TO GET TO KNOW YOU WITH TEAM MEMBER INSTRUCTIONS 190 XXX MUST READS, GREAT EDUCATION AND INFORMATION WEBPAGES 191 XXX A REALLY THOROUGH ASSESSMENT OF RISK TOLERANCE 192 XXX AN OPEN AND FRANK APPROACH TO PORTFOLIO PERFORMANCE 193 XXX A TRULY POWERFUL ACCOUNT AGGREGATION FUNCTION 194 XXX ALSO A STAR WHEN IT COMES TO PERFORMANCE REPORTING 195 XXX OFFERING CONTENT THAT REALLY GUIDES FINANCIAL BEHAVIORS 196 XXX AN ENTICING TEST DRIVE 197 XXX A USER GUIDE THAT CAPTURES EVERYTHING AND A CLIENT MAGAZINE 198 XXX KEEPING CLIENTS UPDATED VIA THE XXX MOBILE APP AUTHORS DISCLAIMER 201

5 ROBO- ADVISORS TABLE OF CHARTS Chart: Assets under Management Robo Advisors Worldwide 28 Betterment advertising on cabs in New York City and San Francisco 31 The Savings Plan Calculator on the DeAWM UK/Retail web-page 53 Chart: Average Assets under Management per Client 61 The AssetBuilder tool 71 The Betterment tool 76 The FutureAdvisor tool 80 Making the point that service providers gain can be the client s loss 84 Explaining the importance of diversification in the How we Invest section of the Nutmeg website 90 Personal Capital s recently improved asset allocation recommendations for users of its financial software 94 The Quirion tool 98 The Vaamo tool 108 The 8 Now! tool 119 FinanceScout s choice of risk-averse, defensive, conservative, balanced, growth and opportunity portfolios 123 Rebalancing as explained on the FinanceScout 24 website 124 The LearnVest tool 127 The Stockspot tool 132 The 3 rd stage of the 10 stage True Wealth Risk Assessment questionnaire 136 The interactive Portfolio Characteristics screen 137 The BMO InvestorLine tool 142 The BMO InvestorLine Trade tool 143 The Fidelity tool 148 The Ritholtz Wealth Management tool 150 The Charles Schwab personal portfolio dashboard 152 From the About SIP document published by Charles Schwab in late February The Veo Open Access dashboard 155 The Vanguard Personal Advisor Services TM 158 The Advizr retirement planning tool 163 The iquantifi goal-based financial planning tool 168 The Jemstep account analytics 171 The Riskalyze tool 179

6 ROBO- ADVISORS The Riskalyze Risk Number approach 180 The Upside retirement plan 183 The Yseop Executive Summary Demonstration 186 XXX s flexible assessment tool 189 The XXX Team page 190 XXX s Must Read website section 191 XXX portfolio performance 193 XXX s portfolio performance chart 195 One of XXX s behavior-shaping video blog posts 196 XXX demo portfolio recommendations and simulations 197 Portfolio performance on the XXX app 199

7 ROBO- ADVISORS EXTRACT OF EXECUTIVE SUMMARY (Executive Summary in full report) Robo-Advisors Infiltrating Wealth Management Industry The disruptive effects of robo-advisors and automated investment services to the traditional wealth management industry are growing. Whereas the market development in 2014 was dominated by the launch and growth of start-ups, established wealth management providers have started to strike back and are opening up to the robo-trend themselves. This is a key finding of our 2015 report on robo-advisors "Robo-Advsiors 2.0.: Robo-Advisors Infiltrating Wealth Management Industry". Transformation from robo-advisor 1.0 to robo-advisor 2.0. Compared to our last year s survey we find that the robo-advisor movement has been growing up and the report identifies three main trends shaping the development in the robo-advisor industry: The (established) wealth management industry as a whole is opening up to the robo-trend as signified most prominently by the new offering by Schwab Intelligent Portfolios. But other banks and wealth managers have already created their own automated advice solutions such as BMO, Vanguard, Ritholtz, Fidelity and TD Ameritrade. Some robo-advisors are acting more and more as technology providers, offering white label solutions and software platforms to other advisors or are seeking alliances with established wealth management players. The deal between Fidelity and Betterment is only one, broadly reported example. There are increasing opportunities to supplement robo-services with other, adjacent newly automated services such as financial planning. For example new players like Advizr and iquantifi now provide algorithmically based planning solutions while LearnVest has harnessed technology to provide a highly cost effective hybrid human and automated planning solution. We see a growing awareness on the part of conventional wealth managers of the need to respond to the challenge that robo-advisors present. A number of important and influential players in the financial services industry begin to engage with the kinds of technology that were seen as the identifying characteristic of robo-advisors exclusively less than a year ago. And this is just the beginning of a significant trend for the next few years. In its updated forecast MyPrivateBanking Research estimates that global assets under management (AuM) of the robo-advisor services will reach $20 billion by the end of The lion s share of these assets of 79% will be managed by robo-advisors based in the United States. Within the five following years the global AuM of robo-advisors is forecast to grow to an estimated $450 billion (2020). This number does not even include assets which are invested under the recommendations of an automated financial advisor but controlled by private investors and the assets under management of existing established wealth managers offering some kind of robo-like or automated service.

8 ROBO- ADVISORS Robo-Advisors accelerate technology adoption in wealth management MyPrivateBanking has identified a number of likely developments that will mean that robo-advisors may soon have influence on the development of traditional wealth managers which goes significantly beyond their current small size: Robo-advisors are likely to integrate more technology rapidly, especially in areas such as the effective deployment of mobile apps and harnessing artificial intelligence for client communication and established wealth managers will need to respond quickly. The trend for robo-advisors to move into the provision of business-to-business services to other wealth managers grows. Working together with a robo-advisor in this way could provide important competitive advantages to wealth managers that take advantage of these opportunities. Robo-advisors websites benefit from focus and simplicity and they have to be very careful not to over-complicate the initial impact their websites make on the first time visitor; this may act as a brake on offering more services (such as financial planning). Some robo-advisors and established wealth management institutions, such as Vanguard, BMO or Schwab, are already including an element of dedicated (but remote) advisor contact and this could in time become a serious threat to old-school wealth manager business models. The robo-advisor phenomenon will force the traditional wealth management industry to reconsider the generally accepted belief that wealth clients will always prefer the face-toface contact of their own dedicated personal advisor. Now we are beginning to see newly applied technology, such as financial planning tools and natural language generation engines, which have the potential to provide practical automated substitutes to personal contact with an advisor.

9 ROBO- ADVISORS METHODOLOGY This report covers 19 robo-advisors (of which 13 have already been covered in our previous report in September 2014) with detailed profiles. In addition, there are six profiles of automated wealth management services by established wealth management firms and seven profiles of technology vendors that provide specific technology solutions for the robo-advisor-space or complete white label robo-advisor solutions. In MyPrivateBanking s 2014 report on robo-advisors, Robo-Advisors: Threats and Opportunities for the Global Wealth Management Industry, we reported on 14 of the active robo-advisors in the United States and Europe. For the current report, recent developments in the automated advisory field convinced us that it was vital to include three additional perspectives on the field: technology advances that are opening up new territory for digital advice, new robo-advisor solutions and moves by major players in the financial services industry to introduce their own robo-advisory services or initiatives that represent an implicit response to robo-advisors. We have also taken the opportunity to review and update our earlier findings about 13 of the original 14 robo-advisors as in several cases their recent development provides essential pointers to the future direction that automated advisory services will track. ( more in full report)

10 ROBO- ADVISORS ROBO-ADVISOR SERVICES: REPORT FOCUS In this chapter we set out our main areas of interest in looking at three types of participant in the financial advisory field. Firstly, we look at the robo-advisors themselves, both the players we covered in our 2014 report and at a group of new entrants or companies that launched their service in the last few years and which we believe have become more central in the robo-advisory terms in recent months. Secondly, we ll set out in general terms our reasons for being interested in two other categories of participant: companies usually but not always major financial institutions that have an important part to play in the future of robo-advisory services; and companies that are technology or, to put it another way, robo functionality vendors. Our major focus in our ongoing research into robo-advisors is to establish their position in relation to the wealth management industry in general and to identify ways in which robo-advisors are likely to have an impact on conventional wealth management businesses. This covers not just possible threats and their likely timescales but, very importantly, also the extent to which the robo model is replicable by more traditional wealth managers. We have also made the continuing developments in automation that have the potential to further disrupt wealth management a major focus of this report. ( more in full report)

11 ROBO- ADVISORS AUTHORS Francis Groves, Senior Analyst, is a senior analyst for the research on vendors, mobile apps and online services. His specific research interest is communication and understanding in relation to finance topics and investor motivation. He has over 30 years of experience in the field of online business information, having worked for Reuters, the Financial Times and LexisNexis. Francis speaks at conferences and events and has published several books and articles. Among them 'Corporate Actions, A Concise Guide' and 'Exchange Traded Funds, A Concise Guide to ETFs'. Francis has a degree in History, which he studied at the London School of Economics. Steffen Binder, Research Director and co-founder of MyPrivateBanking Research. Steffen is Head of Research and oversees the research agenda and analyst teams. He is responsible for creating and developing powerful concepts and relevant content to help our clients navigate a rapidly changing digital environment. As a regular speaker at finance and technology industry events around the globe, Steffen is frequently quoted by leading business media such as the Wall Street Journal, Handelsblatt and the Financial Times. Prior to this, Steffen was Managing Director of Forrester Germany, Switzerland and Austria. He came to Forrester through its acquisition of Forit GmbH, a leading European technology research company, of which he was also a co-founder. Prior to that, Steffen was a partner at Monitor Company (Strategy Consulting). He holds Master s Degrees in Organizational Behavior from Rutgers University (USA) and in Public Administration from the University of Konstanz (Germany).

12 ROBO- ADVISORS DISCLAIMER IMPORTANT NOTICE AND DISCLAIMERS: No Investment Advice This report is not an offer to sell or the solicitation of an offer to buy any security in any jurisdiction where such an offer or solicitation would be illegal. This report is distributed for informational purposes only and should not be construed as investment advice or a recommendation to sell or buy any security or other investment, or undertake any investment strategy. It does not constitute a general or personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual investors. The price and value of securities referred to in this report will fluctuate. Past performance is not a guide to future performance, future returns are not guaranteed, and a loss of all of the original capital invested in a security discussed in this report may occur. Certain transactions, including those involving futures, options, and other derivatives, give rise to substantial risk and are not suitable for all investors. Disclaimers There are no warranties, expressed or implied, as to the accuracy, completeness, or results obtained from any information set forth in this report. MyPrivateBanking GmbH will not be liable to you or anyone else for any loss or injury resulting directly or indirectly from the use of the information contained in this report, caused in whole or in part by its negligence in compiling, interpreting, reporting or delivering the content in this report. Copyright MyPrivateBanking GmbH s Products are the property of MyPrivateBanking GmbH, Switzerland, and are protected by Swiss and international copyright law and other intellectual property laws. Customers are prohibited to copy, forward or store MyPrivateBanking Products outside of the legal entity that has made the purchase. MyPrivateBanking GmbH Konstanzerstrasse 60 CH-8274 Tägerwilen, Switzerland Tel For our latest reports please check:

ROBO-ADVISORS: THREATS AND OPPORTUNITIES FOR THE GLOBAL WEALTH MANAGEMENT INDUSTRY

ROBO-ADVISORS: THREATS AND OPPORTUNITIES FOR THE GLOBAL WEALTH MANAGEMENT INDUSTRY 1 ROBO-ADVISORS: THREATS AND OPPORTUNITIES FOR THE GLOBAL WEALTH MANAGEMENT INDUSTRY Report Extract Original Report with 121 pages plus comprehensive data appendices September 2014 MyPrivateBanking Report

More information

INVESTORS ATTITUDES TOWARDS ROBO- ADVISORS

INVESTORS ATTITUDES TOWARDS ROBO- ADVISORS INVESTORS ATTITUDES TOWARDS ROBO- ADVISORS EVIDENCE FROM THE US AND THE UK Data - Analysis Implications and Learnings May 2016 Report Extract Original Report with 48 pages Plus full set of US and UK survey

More information

March 2013. Report Extract. Original Report with 95 pages plus comprehensive vendor data appendix

March 2013. Report Extract. Original Report with 95 pages plus comprehensive vendor data appendix 1 MOBILE APPS FOR FINANCIAL ADVISORS AND WEALTH MANAGERS How Mobile Solutions Will Revolutionize the Relationship Between Financial Advisors and Their Clients Report Extract Original Report with 95 pages

More information

FINance & TECHnology

FINance & TECHnology ASCOSIM - 5 Forum Nazionale - Aprile 2015 FINance & TECHnology Robo-advisors and Goal-based Investing Paolo Sironi IBM Risk Analytics Director Wealth Management Risk Analytics and Thought Leadership 2015

More information

MOBILE APPS FOR WEALTH MANAGEMENT

MOBILE APPS FOR WEALTH MANAGEMENT MOBILE APPS FOR WEALTH MANAGEMENT THE NEXT LEVEL OF DIGITAL SERVICE: PERSONALIZED APPS FOR YOUR MOST VALUABLE CLIENTS Data Analysis Implications Learnings May 2016 Report Extract Original Report with 179

More information

MOBILE APPS FOR WEALTH MANAGEMENT

MOBILE APPS FOR WEALTH MANAGEMENT 1 MOBILE APPS FOR WEALTH MANAGEMENT Innovation Leaders and Innovation Laggards BENCHMARKING BEST PRACTICES STRATEGY Report Extract Original Report with 240 pages plus comprehensive data appendix June 2015

More information

SOCIAL MEDIA FOR BANKING AND WEALTH MANAGEMENT 2014

SOCIAL MEDIA FOR BANKING AND WEALTH MANAGEMENT 2014 1 SOCIAL MEDIA FOR BANKING AND WEALTH MANAGEMENT 2014 THE GAP IS WIDENING Report Extract Original Report with 171 pages plus comprehensive data appendix December 2014 MyPrivateBanking Report 4 th edition

More information

Investment Personality Test

Investment Personality Test Investment Personality Test Please note: This test is not a substitute for personal consultation and advice. It is meant for informational purpose only. Part 1 Please answer the following questions. Numbers

More information

THE RISE OF CROWDFUNDING

THE RISE OF CROWDFUNDING 1 THE RISE OF CROWDFUNDING Threats and Opportunities for the Global Wealth Management Industry Report Extract Original Report with 159 pages October 2015 MyPrivateBanking Report THE RISE OF CROWDFUNDING

More information

Perspective. Online advice solutions. Leveraging robo-technology to deepen client relationships

Perspective. Online advice solutions. Leveraging robo-technology to deepen client relationships Perspective Online advice solutions Leveraging robo-technology to deepen client relationships Overview Traditional fi nancial advisors may feel threatened by the fast rise of robo-technology solutions,

More information

Can a Robo Adviser Boost Your Investment Returns?

Can a Robo Adviser Boost Your Investment Returns? Robo-Advisor e dintorni La digitalizzazione del servizio di consulenza Milano 28 ottobre 2015 - Four Seasons Hotel COMPARING ROBO ADVISERS Can a Robo Adviser Boost Your Investment Returns? http://bottomlinepersonal.com/can-robo-adviser-boost-investment-returns/

More information

Capital Markets Future of Investing. The Rise of Robo-Advice Changing the Concept of Wealth Management

Capital Markets Future of Investing. The Rise of Robo-Advice Changing the Concept of Wealth Management Capital Markets Future of Investing The Rise of Robo-Advice Changing the Concept of Wealth Management The concept of robo-advice the use of automation and digital techniques to build and manage portfolios

More information

Q2 2015 Research Report. Top 10 Online Personal Loan Providers

Q2 2015 Research Report. Top 10 Online Personal Loan Providers Q2 2015 Research Report Money s Edge has just released the results of their Q2 rankings process. Below are the results, which were generated from proprietary scoring systems. In producing lender scores,

More information

MOBILE APPS FOR WEALTH MANAGEMENT

MOBILE APPS FOR WEALTH MANAGEMENT 1 MOBILE APPS FOR WEALTH MANAGEMENT Benchmarking - Best Practices - Strategies Report Extract Original Report with 203 pages plus comprehensive data appendix July 2013 MOBILE APPS FOR WEALTH MANAGEMENT

More information

Robo-Advisors Capitalizing on a growing opportunity

Robo-Advisors Capitalizing on a growing opportunity Robo-Advisors Capitalizing on a growing opportunity What is robo-advice? Over the past few years, a new form of advice has emerged with a new breed of wealth management firm starting to gather retail

More information

What s a fee-only financial advisor? Steve Juetten, CFP November 7, 2011

What s a fee-only financial advisor? Steve Juetten, CFP November 7, 2011 What s a fee-only financial advisor? Steve Juetten, CFP November 7, 2011 Introduction Someone giving personal financial advice may use a variety of titles: financial adviser, financial consultant, financial

More information

How Financial Advisors Get Paid and

How Financial Advisors Get Paid and How Financial Advisors Get Paid and Why it Matters to You January 2012 Helping you take care of your money so you can do more of what you love! How Financial Advisors Get Paid and Why It Matters to You

More information

Delivering the complete wealth picture. The client portal as a competitive necessity

Delivering the complete wealth picture. The client portal as a competitive necessity Delivering the complete wealth picture The client portal as a competitive necessity 2 Delivering the Complete Wealth Picture EvolvÑ The digital client experience is becoming critical to a successful wealth

More information

Financial Advisor Value Proposition Page 2. Financial Advisor Types Page 4. Investment and Financial Planning Careers Page 5

Financial Advisor Value Proposition Page 2. Financial Advisor Types Page 4. Investment and Financial Planning Careers Page 5 Index Financial Advisor Value Proposition Page 2 Financial Advisor Types Page 4 Investment and Financial Planning Careers Page 5 Selecting a Sound Financial Advisor Page 6 Common Advisor Concerns Financial

More information

Investing for your present and future financial

Investing for your present and future financial Advisor Select Investing for your present and future financial needs can seem overwhelming. It shouldn t be, and it doesn t have to be. Implementing a well-conceived investment strategy is vital to helping

More information

Separately managed accounts

Separately managed accounts FOR INSTITUTIONAL/WHOLESALE/PROFESSIONAL CLIENTS AND QUALIFIED INVESTORS ONLY - NOT FOR RETAIL USE OR DISTRIBUTION Separately managed accounts A J.P. Morgan Global Liquidity solution Separately managed

More information

MILLENNIALS AND NEXT-GENERATION INVESTING PREPARED FOR MONEY MANAGEMENT INSTITUTE OCTOBER 9 TH, 2014

MILLENNIALS AND NEXT-GENERATION INVESTING PREPARED FOR MONEY MANAGEMENT INSTITUTE OCTOBER 9 TH, 2014 MILLENNIALS AND NEXT-GENERATION INVESTING PREPARED FOR MONEY MANAGEMENT INSTITUTE OCTOBER 9 TH, 2014 1 Today s Agenda q Millennial Profile q Industry Case Studies q Review of the Current Robo-Advisor Landscape

More information

Introduction To Financial Markets & Investing

Introduction To Financial Markets & Investing Introduction To Financial Markets & Investing Matthew Lawson, M.D. Getting Started A true story Internal Medicine Intern Recently married Husband has Financial Planner assigned through his employer Neither

More information

Cloud Management Platform Market Map 2016

Cloud Management Platform Market Map 2016 MARKET MAP Cloud Management Platform Market Map 2016 MAY 2016 William Fellows, Research Vice President A cloud management platform should operate like a cloud Uber app for IT consumption and delivery that

More information

Investment Advisory Disclosure Brochure

Investment Advisory Disclosure Brochure ADV Part 2A Appendix 1 211 E. High Street, Pottstown, PA 19464 610.323.5860 800.266.6532 www.mlfa.com Investment Advisory Disclosure Brochure March 25, 2013 This wrap fee program brochure provides information

More information

Impact Investing TAILORED, TRANSPARENT SOLUTIONS

Impact Investing TAILORED, TRANSPARENT SOLUTIONS We set the standard for Impact Investing and are the first-choice partner for asset owners seeking to understand and control their global impact. Build your impact strategy with us - see inside for details.

More information

The Changing Face of Financial Advice: 2015 and Beyond. Study Preview

The Changing Face of Financial Advice: 2015 and Beyond. Study Preview The Changing Face of Financial Advice: 2015 and Beyond Study Preview 1 Table of Contents 01 Executive Summary Introduction Methodology Key Findings Advisor & Client Perspectives Demographic Trends New

More information

A Fidelity Investments Webinar Series: Basics of Stock Investing

A Fidelity Investments Webinar Series: Basics of Stock Investing A Fidelity Investments Webinar Series: Basics of Stock Investing 1 Fidelity Brokerage Services, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917. 2016 FMR LLC. All rights reserved. 734380.2.0

More information

SOCIAL MEDIA FOR WEALTH MANAGEMENT: THE TRAIN IS LEAVING

SOCIAL MEDIA FOR WEALTH MANAGEMENT: THE TRAIN IS LEAVING 1 SOCIAL MEDIA FOR WEALTH MANAGEMENT: THE TRAIN IS LEAVING Benchmarking Best Practices Strategy Report Extract Original Report with 190 pages plus comprehensive data appendix December 2013 MyPrivateBanking

More information

THE WEARABLE HEALTH REVOLUTION

THE WEARABLE HEALTH REVOLUTION 1 THE WEARABLE HEALTH REVOLUTION HOW SMART WEARABLES DISRUPT THE HEALTHCARE SECTOR Report Extract Original Report with 204 pages plus comprehensive data appendixes October 2014 Soreon Research Report 1

More information

Worldwide Market Forecasts for the Video Game and Interactive Entertainment Industry:

Worldwide Market Forecasts for the Video Game and Interactive Entertainment Industry: DFC Intelligence DFC Intelligence Phone 858 834-4340 12707 High Bluff Dr Fax 858-780-9380 Suite 200 www.dfcint.com San Diego, CA 92130 Worldwide Market Forecasts for the Video Game and Interactive Entertainment

More information

CLS ADVISOR IQ SERIES THE COMING AUTOMATION OF WEALTH MANAGEMENT AND WHAT IT MEANS FOR TODAY S FINANCIAL ADVISOR

CLS ADVISOR IQ SERIES THE COMING AUTOMATION OF WEALTH MANAGEMENT AND WHAT IT MEANS FOR TODAY S FINANCIAL ADVISOR CLS ADVISOR IQ SERIES THE COMING AUTOMATION OF WEALTH MANAGEMENT AND WHAT IT MEANS FOR TODAY S FINANCIAL ADVISOR Table of Contents Introduction... 3 Industry Trends... 5 Advisor Perceptions... 7 Practice

More information

Why smart CFOs are moving to the cloud

Why smart CFOs are moving to the cloud Financial Services Why smart CFOs are moving to the cloud Everywhere you look, you ll find analysts forecasts for the future of cloud computing that are overwhelmingly positive. Organizations are clearly

More information

Financial Professional Outlook

Financial Professional Outlook Financial Professional Outlook THE QUEST FOR A SUSTAINABLE ADVISORY BUSINESS: How advisors are adapting their businesses to address regulatory, industry and competitive pressures in 2016. Q1 2016 TRACKING

More information

THE ADVANTAGES OF CLOUD BASED TECHNOLOGY FOR HEDGE FUNDS

THE ADVANTAGES OF CLOUD BASED TECHNOLOGY FOR HEDGE FUNDS August 15, 2014 Vol. 5, No. 3 THE ADVANTAGES OF CLOUD BASED TECHNOLOGY FOR HEDGE FUNDS An interview with Steve Lewczyk, Cofounder at Nirvana Solutions In this issue we interviewed Steve Lewczyk, Co-founder

More information

The Ultimate Guide to Buying and Selling Penny Stocks

The Ultimate Guide to Buying and Selling Penny Stocks The Ultimate Guide to Buying and Selling Penny Stocks 1 Table of Contents Part One... Introduction to Penny Stocks 3 Penny Stock Basics? 3 Why Trade Penny Stocks? 4 Where Are Penny Stocks Traded? 4 Part

More information

ERP Goes China Management Summary. Dr. Eric Scherer, Frank Naujoks, Philipp Drack i2s research, Zürich

ERP Goes China Management Summary. Dr. Eric Scherer, Frank Naujoks, Philipp Drack i2s research, Zürich ERP Goes China Management Summary Dr. Eric Scherer, Frank Naujoks, Philipp Drack i2s research, Zürich Content 1. License agreement and copyright 2. Overview 3. Reasons to move to China 4. Consequences

More information

Next-Generation Building Energy Management Systems

Next-Generation Building Energy Management Systems WHITE PAPER Next-Generation Building Energy Management Systems New Opportunities and Experiences Enabled by Intelligent Equipment Published 2Q 2015 Sponsored By Daikin Applied and Intel Casey Talon Senior

More information

MSCI AUSTRALIA SELECT HIGH DIVIDEND YIELD INDEX

MSCI AUSTRALIA SELECT HIGH DIVIDEND YIELD INDEX INDEX METHODOLOGY MSCI AUSTRALIA SELECT HIGH DIVIDEND YIELD INDEX March 2014 MARCH 2014 CONTENTS 1 Introduction... 3 2 Constructing the MSCI Australia Select High Dividend Yield Index... 4 3 Maintaining

More information

Define your goals, we ll do the rest

Define your goals, we ll do the rest SUB-FUNDS OF GOLDMAN SACHS FUNDS, SICAV Define your goals, we ll do the rest The GS Wealthbuilder Multi-Asset Portfolios can help you achieve your goals, whether you are looking to preserve, enhance or

More information

CONVERTIBLE DEBENTURES A PRIMER

CONVERTIBLE DEBENTURES A PRIMER What are convertible debentures? CONVERTIBLE DEBENTURES A PRIMER They are hybrid securities, combining the features of a conventional debenture with the option of converting, under certain circumstances,

More information

Presentation for University of São Paulo. March 2011

Presentation for University of São Paulo. March 2011 Presentation for University of São Paulo March 2011 Disclaimer The following information contains certain forward-looking statements that reflect the Company's current views with respect to certain current

More information

MarketsandMarkets. http://www.marketresearch.com/marketsandmarkets-v3719/ Publisher Sample

MarketsandMarkets. http://www.marketresearch.com/marketsandmarkets-v3719/ Publisher Sample MarketsandMarkets http://www.marketresearch.com/marketsandmarkets-v3719/ Publisher Sample Phone: 800.298.5699 (US) or +1.240.747.3093 or +1.240.747.3093 (Int'l) Hours: Monday - Thursday: 5:30am - 6:30pm

More information

Rebalance Inc. Client Brochure and Privacy Policy

Rebalance Inc. Client Brochure and Privacy Policy Rebalance Inc. Client Brochure and Privacy Policy This brochure provides information about the qualifications and business practices of Rebalance, Inc. as well as its Privacy Policy. If you have any questions

More information

Item 1: Cover Page Part 2A of Form ADV: Firm Brochure March 2015

Item 1: Cover Page Part 2A of Form ADV: Firm Brochure March 2015 Item 1: Cover Page Part 2A of Form ADV: Firm Brochure March 2015 Website: www.flexscore.com IARD#: 166714 156 2nd Street, 4 th Floor San Francisco, CA 94105 (877) 684-4110 300 Banner Court, Suite 1 Modesto,

More information

SOCIAL MEDIA FOR WEALTH MANAGEMENT

SOCIAL MEDIA FOR WEALTH MANAGEMENT SOCIAL MEDIA FOR WEALTH MANAGEMENT Benchmarking Best Practices - Strategy DECEMBER 2012 MYPRIVATEBANKING REPORT 2nd Edition: Completely Revised and Enlarged Extract Full report has 160 pages plus comprehensive

More information

MSCI Global Minimum Volatility Indices Methodology

MSCI Global Minimum Volatility Indices Methodology MSCI Global Minimum Volatility Indices Methodology Table of Contents Section 1: Introduction... 3 Section 2: Characteristics of MSCI Minimum Volatility Indices... 3 Section 3: Constructing the MSCI Minimum

More information

MSCI Dividend Masters Indexes Methodology

MSCI Dividend Masters Indexes Methodology Index Methodology MSCI es Methodology July 2014 msci.com Contents 1 Introduction... 3 2 Index Construction Methodology... 3 Section 2.1: Applicable Universe... 3 Section 2.2: Security Selection... 3 Section

More information

Legal Notices. Purpose and Scope of Website. StanCorp Financial Group, Inc. Contact Us. Public Affairs. Special Investigations Unit

Legal Notices. Purpose and Scope of Website. StanCorp Financial Group, Inc. Contact Us. Public Affairs. Special Investigations Unit Legal Notices The following describes the policies and practices of StanCorp Financial Group, Inc ( StanCorp Financial ) and its affiliates, vendors, and licensors with regards to the collection and use

More information

Listening to the Voice of the Advisor

Listening to the Voice of the Advisor Capital Markets Future of Investing Listening to the Voice of the Advisor The role of the wealth management advisor has changed dramatically in recent years. No longer does the advisor serve as the sole

More information

MarketsandMarkets. http://www.marketresearch.com/marketsandmarkets-v3719/ Publisher Sample

MarketsandMarkets. http://www.marketresearch.com/marketsandmarkets-v3719/ Publisher Sample MarketsandMarkets http://www.marketresearch.com/marketsandmarkets-v3719/ Publisher Sample Phone: 800.298.5699 (US) or +1.240.747.3093 or +1.240.747.3093 (Int'l) Hours: Monday - Thursday: 5:30am - 6:30pm

More information

A strong year for retail bonds

A strong year for retail bonds A strong year for retail bonds The Orderbook for Retail Bonds (ORB) opened 1 February 2010, with the aim of promoting both a transparent secondary market in bonds for retail investors as well as developing

More information

YOUR GUIDE TO FINANCIAL ENGINES THE RETIREMENT HELP YOU MAY NEED TO PURSUE THE RETIREMENT YOU WANT.

YOUR GUIDE TO FINANCIAL ENGINES THE RETIREMENT HELP YOU MAY NEED TO PURSUE THE RETIREMENT YOU WANT. YOUR GUIDE TO FINANCIAL ENGINES THE RETIREMENT HELP YOU MAY NEED TO PURSUE THE RETIREMENT YOU WANT. RETIREMENT HELP FROM THE EXPERTS Marsh & McLennan Companies has currently selected Financial Engines

More information

Banking & Financial Services. White Paper. Automated Advice Delivery Platforms: Simplifying the Investment Management Game

Banking & Financial Services. White Paper. Automated Advice Delivery Platforms: Simplifying the Investment Management Game Banking & Financial Services White Paper Automated Advice Delivery Platforms: Simplifying the Investment Management Game About the Authors Srinivasa Kumar Yerchuru Srinivasa Kumar Yerchuru heads the Capital

More information

Risk analysis for private wealth clients The importance of listening to the client. Global Products & Solutions / i-risk June 11, 2014

Risk analysis for private wealth clients The importance of listening to the client. Global Products & Solutions / i-risk June 11, 2014 Risk analysis for private wealth clients The importance of listening to the client Global Products & Solutions / i-risk June 11, 2014 Introduction ABN AMRO Private Banking aims to be the trusted advisor

More information

National Credit Default Rates Continued Their Upward Trend in December 2014 According to the S&P/Experian Consumer Credit Default Indices

National Credit Default Rates Continued Their Upward Trend in December 2014 According to the S&P/Experian Consumer Credit Default Indices National Credit Default Rates Continued Their Upward Trend in December 2014 According to the S&P/Experian Consumer Credit Default Indices Four of the Five Cities Saw Default Rates Increase in December

More information

LEADING FOR THE FUTURE Meeting New Challenges in Wealth Management

LEADING FOR THE FUTURE Meeting New Challenges in Wealth Management UBS Asset Gathering Conference March 21, 2011 LEADING FOR THE FUTURE Meeting New Challenges in Wealth Management Tom Bradley, President TD Ameritrade Institutional This material is designed for an investment

More information

Beyond listening Driving better decisions with business intelligence from social sources

Beyond listening Driving better decisions with business intelligence from social sources Beyond listening Driving better decisions with business intelligence from social sources From insight to action with IBM Social Media Analytics State of the Union Opinions prevail on the Internet Social

More information

Partnerships you can depend on

Partnerships you can depend on Introducers Partnerships you can depend on There s more than one way to profit from forex. At FxPro we ve made it our business to offer clients and partners every opportunity to benefit from the world

More information

MSCI Core Infrastructure Indexes Methodology

MSCI Core Infrastructure Indexes Methodology Index Methodology MSCI Core Infrastructure Indexes Methodology January 2015 msci.com Contents 1 Introduction... 3 2 Constructing MSCI Core Infrastructure Indexes... 3 2.1 Country and Constituent Selection...

More information

MarketsandMarkets. http://www.marketresearch.com/marketsandmarkets-v3719/ Publisher Sample

MarketsandMarkets. http://www.marketresearch.com/marketsandmarkets-v3719/ Publisher Sample MarketsandMarkets http://www.marketresearch.com/marketsandmarkets-v3719/ Publisher Sample Phone: 800.298.5699 (US) or +1.240.747.3093 or +1.240.747.3093 (Int'l) Hours: Monday - Thursday: 5:30am - 6:30pm

More information

Saving for Retirement. Your guide to getting on track.

Saving for Retirement. Your guide to getting on track. Saving for Retirement Your guide to getting on track. 2 It s great that you re looking ahead and thinking about retirement now. A sound plan can make all the difference in reaching your future goals. This

More information

The Emerging Digital Advisor

The Emerging Digital Advisor The Emerging Digital Advisor Contents The Emerging Digital Advisor...1 About the Study...2 Benefits of Digital Enablement...4 Performance Comparison: Digital vs. Traditional...6 Gaps in Advisor and Client

More information

FTIF Templeton Global Bond Fund

FTIF Templeton Global Bond Fund FTIF Templeton Global Bond Fund The STRATEGY Investment Goal FTIF Templeton Global Bond Fund seeks to maximize total return, with a combination of interest income, capital appreciation and currency gains

More information

Distribution fiction. Pascal Koenig Partner Advisory & Consulting Deloitte

Distribution fiction. Pascal Koenig Partner Advisory & Consulting Deloitte Distribution fiction Pascal Koenig Partner Advisory & Consulting Deloitte In France, UCITS are primarily distributed through traditional distribution channels (63%): banking networks, insurance companies

More information

Tracker Certificate on Solactive Cloud Computing Performance-Index

Tracker Certificate on Solactive Cloud Computing Performance-Index BRANDSCHENKESTRASSE 90, CH-8002 ZÜRICH +41 58 800 1111 TERMSHEET@EFGFP.COM WWW.EFGFP.COM Final Termsheet Participation-Products SSPA Product Type: 1300 Tracker Certificate on Solactive Cloud Computing

More information

FINANCIAL DUE DILIGENSE SERVICES

FINANCIAL DUE DILIGENSE SERVICES FINANCIAL DUE DILIGENSE SERVICES 2 BDO Kazakhstan OVERVIEW failed transaction or ill-researched business venture can be a costly scenario on many levels. Generally, Adue diligence refers to the care a

More information

Firm Brochure (Part 2A of Form ADV) The Asset Advisory Group, Inc.

Firm Brochure (Part 2A of Form ADV) The Asset Advisory Group, Inc. Firm Brochure (Part 2A of Form ADV) 9200 Montgomery Road Cincinnati, Ohio 45242 (513) 771-7222 (888) 234-7982 www.taaginc.com info@taaginc.com This brochure provides information about the qualifications

More information

Robo-Advisors Are In The Spotlight: How Did We Get Here and Is Robo Right For Your Practice?

Robo-Advisors Are In The Spotlight: How Did We Get Here and Is Robo Right For Your Practice? Robo-Advisors Are In The Spotlight: How Did We Get Here and Is Robo Right For Your Practice? Part 1 - How Did We Get Here Robo-advisors seem to be everywhere if you read financial advisor news or attend

More information

BMO Global Asset Management (Asia) Limited 11 February 2016

BMO Global Asset Management (Asia) Limited 11 February 2016 Product Key Facts BMO MSCI EUROPE QUALITY HEDGED TO USD ETF BMO Global Asset Management (Asia) Limited 11 February 2016 Quick facts This is an exchange traded fund. This statement provides you with key

More information

Dimensional Managed DC

Dimensional Managed DC Pensions, benefits and social security colloquium 2011 Jan Snippe Dimensional Managed DC A Next-Generation Retirement Solution 26 September 2011 2010 The Actuarial Profession www.actuaries.org.uk Agenda

More information

The unique value of Target-Date Funds

The unique value of Target-Date Funds The unique value of Target-Date Funds By Jake Gilliam, Senior Multi-Asset Class Portfolio Strategist supporting Charles Schwab Investment Management September, 2015 Target-Date Funds are excellent low-maintenance

More information

An Overview of icims

An Overview of icims An Overview of icims January 2015 FORWARD LOOKING INFORMATION This document contains statements that constitute forward- looking statements, including but not limited to icims outlook for icims financial

More information

Amundi ETF & Indexing Research Chair with Edhec Risk Institute Results of The EDHEC European ETF Survey 2014

Amundi ETF & Indexing Research Chair with Edhec Risk Institute Results of The EDHEC European ETF Survey 2014 Amundi ETF & Indexing Research Chair with Edhec Risk Institute Results of The EDHEC European ETF Survey 2014 Les Echos Forum de l Asset Management 15 April 2015 Introduction Amundi ETF & Indexing is pleased

More information

Principles for investment success. We believe you will give yourself the best chance of investment success if you focus on what you can control

Principles for investment success. We believe you will give yourself the best chance of investment success if you focus on what you can control Principles for investment success We believe you will give yourself the best chance of investment success if you focus on what you can control Important information This guide has been produced for educational

More information

CONSUMER CREDIT DEFAULT RATES DECREASE IN SEPTEMBER 2015 ACCORDING TO THE S&P/EXPERIAN CONSUMER CREDIT DEFAULT INDICES

CONSUMER CREDIT DEFAULT RATES DECREASE IN SEPTEMBER 2015 ACCORDING TO THE S&P/EXPERIAN CONSUMER CREDIT DEFAULT INDICES CONSUMER CREDIT DEFAULT RATES DECREASE IN SEPTEMBER 2015 ACCORDING TO THE S&P/EXPERIAN CONSUMER CREDIT DEFAULT INDICES Four of the Five Cities Report Default Rate Decreases in September 2015 New York,

More information

Research results: Document Management, CRM and Portfolio Management are the most challenging systems areas for wealth managers July 15, 2008

Research results: Document Management, CRM and Portfolio Management are the most challenging systems areas for wealth managers July 15, 2008 Research results: Document Management, CRM and Portfolio Management are the most challenging systems areas for wealth managers July 15, 2008 Which areas of operations and technology are most challenging

More information

1 Copyright Phoenix Marketing International 2012. All rights reserved.

1 Copyright Phoenix Marketing International 2012. All rights reserved. 1 Copyright Phoenix Marketing International 2012. All rights reserved. D A V I D M. T H O M P S O N Managing Director Phoenix Affluent Market +44 (0) 20 3427 6157 / London +011 860 404 5414 / New York

More information

INDEX METHODOLOGY MSCI REIT PREFERRED. Index Construction and Maintenance Methodology for the MSCI REIT Preferred Index.

INDEX METHODOLOGY MSCI REIT PREFERRED. Index Construction and Maintenance Methodology for the MSCI REIT Preferred Index. INDEX METHODOLOGY MSCI REIT PREFERRED INDEX METHODOLOGY Index Construction and Maintenance Methodology for the MSCI REIT Preferred Index December 2014 DECEMBER 2014 CONTENTS 1 Introduction... 3 2 Defining

More information

Target Date Versus Relative Risk: A Comparison of 2 Retirement Strategies

Target Date Versus Relative Risk: A Comparison of 2 Retirement Strategies Versus Relative Risk: A Comparison of 2 Retirement Strategies MARCH 2014 CONTRIBUTOR Peter Tsui Director, Index Research & Design peter.tsui@spdji.com Target date funds have grown significantly over the

More information

Enjoy the Benefits of Professional Wealth Management Quantitative InnovationsSM Investment Advisory Program

Enjoy the Benefits of Professional Wealth Management Quantitative InnovationsSM Investment Advisory Program Enjoy the Benefits of Professional Wealth Management Quantitative InnovationsSM Investment Advisory Program As an individual investor, you have access to more investment options than ever. With these choices,

More information

MSCI CHINA AND USA INTERNET TOP 50 EQUAL WEIGHTED INDEX

MSCI CHINA AND USA INTERNET TOP 50 EQUAL WEIGHTED INDEX INDEX METHODOLOGY MSCI CHINA AND USA INTERNET TOP 50 EQUAL WEIGHTED INDEX September 2014 SEPTEMBER 2014 CONTENTS 1 Introduction... 3 2 Constructing the MSCI China and USA Internet Top 50 Equal Weighted

More information

DIGITAL WEALTH MANAGEMENT FOR MASS-AFFLUENT INVESTORS

DIGITAL WEALTH MANAGEMENT FOR MASS-AFFLUENT INVESTORS www.wipro.com DIGITAL WEALTH MANAGEMENT FOR MASS-AFFLUENT INVESTORS Sasi Koyalloth Connected Enterprise Services Table of Contents 03... Abstract 03... The Emerging New Disruptive Digital Business Model

More information

It s a BIG opportunity.

It s a BIG opportunity. IRA Rollover Dynamics 2008 Market Sizing, Benchmarks, & Best Practices It s a BIG opportunity. How will you compete for IRA Rollovers? IRA Rollover Dynamics 2008 explores best practices and approaches

More information

Q&A for changes to Vanguard s Ireland-domiciled fund range

Q&A for changes to Vanguard s Ireland-domiciled fund range Q&A for changes to Vanguard s Ireland-domiciled fund range As we broaden our presence in Europe, we are able to enhance our product suite by reducing costs and introducing a new share class structure designed

More information

KMH Wealth Management, LLC PO Box 2549 101 S. Main St. Suite 300 Victoria, TX 77902 FORM ADV PART 2 BROCHURE

KMH Wealth Management, LLC PO Box 2549 101 S. Main St. Suite 300 Victoria, TX 77902 FORM ADV PART 2 BROCHURE KMH Wealth Management, LLC PO Box 2549 101 S. Main St. Suite 300 Victoria, TX 77902 361 573-4383 Fax 361 573-1168 www.kmhwealth.com mail@kmhwealth.com 3/19/2014 FORM ADV PART 2 BROCHURE This brochure provides

More information

2016 Trends in Service Providers

2016 Trends in Service Providers PREVIEW 2016 Trends in Service Providers NOV 2015 Al Sadowski, Research Director Liam Eagle, Senior Analyst Carl Brooks, Analyst Jim Davis, Senior Analyst Selling generic technology resources is no way

More information

2011 - The Forex Industry Comes of Age

2011 - The Forex Industry Comes of Age Your Forex Industry Source. october 2011 1 Your Forex Industry Source. 2011 and Beyond: The Forex Industry Comes of Age october 2011 2 2011 and Beyond: The Forex Industry Comes of Age We are pleased to

More information

2016 Trends in Storage

2016 Trends in Storage PREVIEW 2016 Trends in Storage DEC 2015 Henry Baltazar, Research Director Though storage is far from dead, change is coming in the shape of new form factors such as hyperconverged infrastructures and disruptive

More information

VANGUARD LOWERS CHARGES ON 25 UK AND IRISH-DOMICILED FUNDS

VANGUARD LOWERS CHARGES ON 25 UK AND IRISH-DOMICILED FUNDS VANGUARD LOWERS CHARGES ON 25 UK AND IRISH-DOMICILED FUNDS Reduced charges on 16 index mutual funds, 4 exchange traded funds (ETFs) and 5 LifeStrategy Funds 28 August, 2014 Vanguard Asset Management, Limited

More information

DATA CENTER NETWORKING MARKET

DATA CENTER NETWORKING MARKET DATA CENTER NETWORKING MARKET Ethernet Switches; SAN; Routers; ADC; Network Security Equipment; WAN Optimization Appliances Global Advancements, Worldwide Forecasts and Analysis (2013-2018) MarketsandMarkets

More information

Practice Essentials. Index-Linked Insurance Products 201 THE S&P MIDCAP 400 AND ITS ROLE IN INDEXED INSURANCE PRODUCTS

Practice Essentials. Index-Linked Insurance Products 201 THE S&P MIDCAP 400 AND ITS ROLE IN INDEXED INSURANCE PRODUCTS Index-Linked Insurance Products 201 Practice Essentials THE S&P MIDCAP 400 AND ITS ROLE IN INDEXED INSURANCE PRODUCTS S&P Indices licenses insurance carriers to use the S&P 500 and the S&P MidCap 400 within

More information

Trxade Group, Inc. (TCQB: TRXD): Record Revenues in Q3

Trxade Group, Inc. (TCQB: TRXD): Record Revenues in Q3 Siddharth Rajeev, B.Tech, MBA, CFA Analyst November 5, 2015 Trxade Group, Inc. (TCQB: TRXD): Record Revenues in Q3 Sector/Industry: E-commerce Market Data (as of November 5, 2015) Current Price $1.15 Fair

More information

Social Investing Part I The Opportunity to Address the Confidence Gap

Social Investing Part I The Opportunity to Address the Confidence Gap Social Investing Part I : The Opportunity to Address the Confidence Gap Specialist Retail Investment and Trading Consultants Social Investing Part I The Opportunity to Address the Confidence Gap Authors:

More information

Oracle Cloud: Line of Business PaaS Services. Balaji Yelamanchili Senior Vice President Product Development

Oracle Cloud: Line of Business PaaS Services. Balaji Yelamanchili Senior Vice President Product Development Oracle Cloud: Line of Business PaaS Services Balaji Yelamanchili Senior Vice President Product Development Safe Harbor Statement "Safe Harbor" Statement: Statements in this presentation relating to Oracle's

More information

Cyber security. ETFS ISE Cyber Security GO UCITS ETF. Investing in a safer digital future

Cyber security. ETFS ISE Cyber Security GO UCITS ETF. Investing in a safer digital future Cyber security Investing in a safer digital future About the index The ISE Cyber Security UCITS Index Net Total Return utilises a rules-based investment methodology to select a diverse group of companies

More information

BlackRock Launches Retirement Income Indexes

BlackRock Launches Retirement Income Indexes BlackRock Launches Retirement Income Indexes Groundbreaking Indexes Give Investors Metric to Translate Retirement Savings into Retirement Income; Enables Better Planning, Midcourse Corrections During Critical

More information

Advisor Technology 2.0. Andrew Gluck CEO, Advisor Products Inc. Editor At Large, Financial Advisor Magazine January 19, 2007

Advisor Technology 2.0. Andrew Gluck CEO, Advisor Products Inc. Editor At Large, Financial Advisor Magazine January 19, 2007 Advisor Technology 2.0 Andrew Gluck CEO, Advisor Products Inc. Editor At Large, Financial Advisor Magazine January 19, 2007 AT + Web 2.0 = AT 2.0 Unleash the potential of the Web Collaborate Personalize

More information

Firm Brochure (Form ADV Part 2A) 12610 N. Community Road, Suite 204 Charlotte, NC 28277 704-540-2500. www.independentadvisoralliance.

Firm Brochure (Form ADV Part 2A) 12610 N. Community Road, Suite 204 Charlotte, NC 28277 704-540-2500. www.independentadvisoralliance. Firm Brochure (Form ADV Part 2A) 12610 N. Community Road, Suite 204 Charlotte, NC 28277 704-540-2500 www.independentadvisoralliance.com October 21, 2015 This brochure provides information about the qualifications

More information

PureFunds ISE Cyber Security ETF (the Fund ) June 18, 2015. Supplement to the Summary Prospectus dated November 7, 2014

PureFunds ISE Cyber Security ETF (the Fund ) June 18, 2015. Supplement to the Summary Prospectus dated November 7, 2014 PureFunds ISE Cyber Security ETF (the Fund ) June 18, 2015 Supplement to the Summary Prospectus dated November 7, 2014 Effective immediately, Ernesto Tong, CFA, Managing Director of Penserra Capital Management,

More information