Economic capital and human capital determine the level of your pension
If you want to guarantee a sufficiently high pension income, you must have two types of capital: economic capital and human capital. Companies and institutes that need it to guarantee that they can bear the risks they run, even in a worst-case scenario mostly use the term of economic capital. Economic capital for private individuals is the guarantee that their pensions are not endangered.Read more
Consumers have a need for insight, guidance and advice.
People who want to put money aside for short-term or long-term goals have a need for insight, guidance and advice. The challenge for financial institutions is to meet all three of these wishes. This not only requires sufficient data, but also the courage to take risks.Read more
Interactive business cycle chart
Business cycles are one of the defining characteristics of realistic market behaviour (“stylized facts”) in asset prices, yield curves and volatilities, as well as in the broader macro-economic environment.Read more
Avoiding the pension fund event horizon: how close is close enough?
In his popular book “A Brief History of Time”, Stephan Hawking introduces the complex world of (astro)physics to a larger audience. One of the phenomena it describes are black holes, massive stars that collapse under their own gravity and attract everything in their vicinity towards their center. The book also describes the Event Horizon.Read more
Ortec Finance expands global presence with new Hong Kong office
Ortec Finance, expert provider of investment decision technology and solutions, today announced their continued global expansion with a new office in Hong Kong. The office will officially open in October 2017 with Mark Hoogendijk taking up position as Managing Director.Read more
Ortec Finance influencing the UK's biggest schemes
The UK’s £25bn (€27.1bn) Railways Pension Scheme (Railpen) announced last month that it had hired Ortec Finance for performance attribution analysis.Read more
Human and machine, let’s combine skills!
Most people are prepared to pay extra for the presence of a human pilot in the cockpit of their plane, as a recent study proves. Even if the automatic pilot performs as well as (or better than?) its ‘real life’-colleague. What exactly are the benefits of humans interacting with technology?Read more
Ortec Finance Quarterly Outlook June 2017
Please read our most recent Quarterly Outlook, based on our scenario approach applied to all information available at the end of June 2017.Read more
The Future of FinTech
Every year, Capgemini publishes a Financial Services Analysis that I read with great interest. This year, they’ve added a World FinTech Report, and between the lines, these reports reveal a lot of fascinating insights. FinTech is definitely on the rise, but banks still have a competitive edge that they can use to stay in the lead. However, they should be cautious. A new generation is coming of age, and the customers of the future appear to be less loyal to traditional banks. That means the current big players could lose their existing advantage.Read more
Ortec Finance organizes innovation workshops
Financial institutions face serious challenges. Regulatory pressure, digitalization and evolving business models lead to a new advisory landscape. Ortec Finance offers a workshop where you learn to separate the signal from the noise and the key developments in the financial world of tomorrow are addressed.Read more