Wealth and asset management (WAM) solutions leverage on new technologies to provide financial advice and assist in financial planning. Through processing user information such as risk appetite, income, spending, age, saving or investment goals, WAM solutions analyzes market data and are able to automatically process and recommend a financial decision. The robo-advisory solution digests market data through data analysis and processes the user information to produce a customized recommendation for the financial portfolio. The automatic processing of portfolio recommendation saves time and labor cost for the firm and creates accurate analysis for relationship managers to advice their clients. The solution features auto portfolio rebalancing to minimize human effort needed to maintain the portfolio, further streamlining the process. Find out more at www.ey.com/sg/fintechhub. For enquiries, contact us via email at fintech@sg.ey.com.

1. Full stack robo-advisor solution in a box
Case study
Context:
A large bank was looking for a low CAPEX,
easy-to-integrate portfolio management and
client reporting solution. The bank wanted to
focus on clients with net worth between
US$1m and US$5m.
Recommended solution:
• Create a rule-based customizable algorithm
that creates portfolio based on an
investor’s risk appetite. Individual investor’s
views for specific asset classes were
factored in and therefore infinite
permutations of customized solutions were
possible.
• The portfolio optimizer will have a
customized risk management tool built in.
The optimizer is powered by random
fundamental forward-looking capital market
assumption from Mercer.
• The client-reporting tool provided online
real-time portfolio reporting with detailed
analytics and risk metrics.
• To aid client servicing, the RM desktop
included basics of CRM by integration with
the wealth manager’s CRM systems.
Client impact:
• The implementation freed up the portfolio
managers to service ultra high net worth
individual(UHNI) clients
• Enabled RMs to structure customized
portfolios for clients irrespective of the
wallet size
• Diversifying fee-based recurring revenues
Contact us
Varun Mittal
EY Global Emerging Markets FinTech
Leader
varun.mittal@sg.ey.com
Challenges faced by investment advisory services
Robo-advisory investment portfolio optimizer
Behavioral finance
risk assessment
Need-based
investment solutions
Customized asset
allocation
Diversification of revenue sources
beyond transaction fees
Safeguarding client’s interest while
enhancing revenue generated by
relationship manager (RM)
Client engagement and efficiency
improvement
Differentiated client portfolio via
engaging proprietary tools
Fee transparency Detailed online portfolio reporting
Proprietary
portfolio
investment
algorithm
Leading-edge tech capabilities
Institutional
asset
management
tools
Detailed portfolio
analytics tools
Visualization
dashboard
Low cost of customer
servicing
Integration of core
banking and reporting
systems
Exchange listed
exchange traded fund
(ETF) database
Auto portfolio
rebalancing
Tracking clients views
and preferences
Customizable client-
centric portfolios
Website: www.ey.com/sg/fintechhub
Email: fintech@sg.ey.com
Sahil Gupta
EY ASEAN FinTech Manager
sahil.gupta@sg.ey.com

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About EY
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