Suitability

Investment research and planning tools firm, Mabel Insights have partnered with behavioural finance specialists, Oxford Risk to enable financial advisers and wealth managers to compare and research Oxford Risk-mapped funds and portfolios.

Behavioural finance experts in client investment risk suitability, Oxford Risk and Fuze, an innovative wealth management platform specialising in financial data consolidation and analysis, are excited to announce a strategic partnership.

Oxford Risk has been awarded the ISO/IEC 27001:2022 certification. This globally recognised standard that specifies the requirements for establishing, implementing, maintaining, and continuously improving an ISMS.

Revisiting the use of complex stochastic cashflow modelling in light of the FCA’s Thematic Review into Retirement Income.

Since the publication of the FCA’s Thematic Review into Retirement Income, one topic has dominated our conversations with clients: do we need a dedicated Risk Tolerance assessment that focuses on decumulation?

Oxford Risk is proud to announce its inclusion on the sixth annual WealthTech100 list alongside global trendsetters and technical pioneers in the world of wealth and asset management.

Before asking ‘How do I meet the regulations?’, ask ‘Why do they even exist?’ Were you to track regulatory changes over time, you would see a clear direction of travel.

Not all increases in efficiency are created equal. The best are purposefully built around enhancing the investor experience, enriching adviser-client relationships, and automatically evidencing the process by which these are done.

There are many potential benefits to converting some investible assets into a guaranteed income for life, but how do you assess suitability for the combination of a guaranteed income and an investment portfolio?

Behavioural finance specialists, Oxford Risk have been awarded a place on the Global ESG FinTech100 list for the second consecutive year.

ESMA recently issued additional MiFID II guidance, highlighting yet again the need for improvement in how the legislation has been applied to investor suitability assessments.

In giving financial advice, there’s a lot you must communicate to your clients. Doing this in a compliant way used to be relatively straightforward: write what the legislation told you to, send it, and put a copy in the right file. Under the FCA Consumer Duty, things are a bit different.

There’s something different about the FCA Consumer Duty – a quality we haven’t seen in previous directives from the Financial Conduct Authority. As systematic as the guidelines may be, there’s one theme running throughout and that is a thematic insistence on empathy.

Oxford Risk is proud to announce that they have been listed on the newest edition of the WealthTech100 list for 2023. Read the response from Oxford Risk's Chief Client Officer, James Pereira-Stubbs.

Talking about emotions or personalities probably isn’t something your clients expect to do when they visit you for wealth advice. Yet investing is emotional – it’s about hope, and fear, just as much as it is about cold hard figures and in-depth planning.

Adopting a behaviourally conscious approach to client understanding, enabling personalised advice at scale, is the best way to upgrade customer satisfaction with their wealth-management experience.

The partnership between a wealth management firm and its tech is crucial. The right software can support smooth-functioning and compliant advice, providing a robust framework within which the adviser’s art can flourish.

Firms who harness evolving technology most effectively unlock the ability to serve more investors, more consistently, and more personally.

Centralised investment and retirement propositions can enhance client outcomes through streamlining advisory services. However, they also come with inherent dangers of prioritising a consistent product over a consistent approach for dealing with individual differences.

Oxford Risk’s Investor Compass Risk Suitability solution has been awarded four stars at the 2022 FTA Financial Adviser Service Awards. Find out more about the win in our blog.

The Times & The Sunday Times Senior Money Reporter, Imogen Tew undertakes a full journalistic review of Oxford Risk’s Financial Personality Assessment. Find out more now.

The first FCA Consumer Duty (PS22/9) deadline date is looming: firms will need to have agreed and be able to demonstrate their implementation plans by the end of October 2022.

What does the FCA Consumer Duty (PS22/9) say and what does it mean for your financial advice firm? In this blog, we review how firms must account for human behaviours and what they must do to meet the FCA Consumer Duty regulation by 31st July 2023.

This is the third post in a series giving our response to the FCA’s Call for Input on how to apply behavioural finance to help people make engaged investment choices more comfortably and confidently, and what role regulations can play in helping that to happen.

This is part two of our response to the FCA’s Call for Input on how to apply behavioural finance to help people make engaged investment choices more comfortably and confidently, and what role regulations can play in helping that to happen.

This is the introduction to a series of posts on our response to the FCA’s Call for Input on how to apply behavioural finance to help people make engaged investment choices more comfortably and confidently, and what role regulations can play in helping that to happen.

Form must follow function. Capturing clicks is no use without first capturing valuable, usable, client insights.

There is some concern within the industry about the upcoming MiFID II regulatory framework, expected to come into force on January 3rd 2018, specifically regarding suitability and appropriateness.

These are the core principles that define Oxford Risk's approach to suitability. These principles are united by applying academic insights to improve investor outcomes. They are about behavioural finance in real life.