The system portfolio solutions are generic as a default. This means, User can select based on her risk appetite, between 4 pre-defined and built, global multi-asset Fund solutions with home-bias and low currency risk. These solutions can be modified according to User’s wishes. Perhaps slightly more equities or bonds. All User-driven modifications take place in the portfolio management tool. The User-Portal. In here User can also switch between the 4 pre-defined default solutions.
The 4 generic default solutions constitute the basic framework. It’s not unlike a “Home” button on a website. But complimentary is however a Portal, where User can become her own portfolio manager, and modify many variables and assumptions, that professionals apply also when building and testing risk-return profiles. To reduce complexity however, the Portal has various fixed assumptions, eg. on asset class risk, correlations and costs (Fund fees). Particularly unique, is probably eligibility of also individual stocks.
Ubanking Academy is a complimentary and important pillar in Ubanking digital investment management. The Academy, which has downloadable video and Excel files, addresses financial and economic topics. Not only relevant for Ubanking’s investment approach, but also more generally. So, the Academy is a school in Finance, Statistics and Economics. Some topics though, are particularly important for Ubanking eg. “Rebalancing Techniques”. The Academy is a spin-off from Spotafile.com.