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Ortec Finance

Insights

Monday, June 27, 2016

What Brexit Means for LDI

The UK’s currency and sovereign debt reacted strongly to last week’s shock result, making liability matching all the more difficult.

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Monday, June 20, 2016

EIOPA stress test 2016

The 2016 EIOPA stress test focuses on the vulnerability of insurers to the present and persistent low interest rate environment. By calculating the impact of two heavy shock scenarios, EIOPA hopes to see how the European insurance sector fares when subjected to extreme market conditions. While only large life insurers are required to participate, this could be a very useful exercise for smaller insurers as well.

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Saturday, June 18, 2016

Realistic scenarios during exceptional economic conditions

Many investors across the globe wonder what the impact of the current and exceptional economic conditions is on the financial markets. Loranne van Lieshout looks past the short-term volatilities and analyzes this question from the perspective of long-term trends to assess the consequences for insurers and for the ALM modelling of scenarios.

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Friday, June 17, 2016

A risk profile based on the willingness of the client to take risks is not very accurate

On the recent PBI conference in London, Ton Kentgens argued the case that developments such as compliance, digitization and robo advice should not be seen as burdens or threats. On the contrary, they provide opportunities to achieve better and more holistic financial planning. As Head Global Business Development for Private Client Solutions at Ortec Finance, Kentgens firmly adheres to client centric or goal-based MiFID concepts like Know Your Customer and suitability.

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Thursday, June 16, 2016

Valuing embedded options and guarantees in life insurance products

Valuing embedded options and guarantees in life insurance products can be complex and time-consuming. Time insurers often do not have. Ideally, one keeps the number of scenarios needed for a correct valuation as low as possible, while still guaranteeing the quality of the set. Ortec Finance developed a special technique to do just that, by fulfilling the martingale property in any risk-neutral scenario set.

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Tuesday, June 14, 2016

Guided investment advice with Goal-based Financial Planning

Why do your clients invest? What ambitions do they seek to fulfill with their assets? Does the current investment portfolio optimally fit your client’s ambitions and appetite for risk?

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Friday, June 10, 2016

Testimonial Yarden

Interview with Kenan Tastan, Actuary and Financial Risk Manager at Yarden

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Friday, June 10, 2016

Keeping the number of risk neutral scenarios as low as possible

Without impeding on the quality of the valuation.

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Friday, June 10, 2016

Financial advice: the digital turn

Growing digitization makes financial services accessible to an ever broader audience. The digitization trend produces new entrants and means that the present providers have to continue seeking new earnings models.

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Thursday, June 9, 2016

Uncertainty ahead

Incorporating market movements in the UFR.

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