financial assessment 

 

ANALYSIS OF YOUR NEEDS AND COMMITMENTS

ProFinance studies your needs and commitments. To safeguard the future of your pension holders, we analyse your actuarial projections to better understand your liabilities.

 

RETURN OBJECTIVES

ProFinance helps you to compute the required returns that your portfolio must earn to maintain the long term financial equilibrium that is needed for you to meet your commitments. We take into account the structure of the fund and your approach to risk.

 

RISK ASSESSMENT

Your approach to risk is a critical factor in the asset selection. We measure your ability to take on risk in the management of the pension scheme assets. ProFinance defines with you your risk profile.

 

ASSET LIABILITY MANAGEMENT

Each pension fund is different because of its unique size and demographic structure. ProFinance takes into account the demographic information of the pension holders of your scheme in order to optimise your investment process. Through an analysis of assets and liabilities, we search for asset allocations that are compatible with your risk appetite and your return objectives. We investigate different investment scenarios in order to maximise return for a given level of risk.

 

STRATEGIC ASSET ALLOCATION

The conclusions of our financial assessment enable us to define with you an optimal long-term investment strategy. This strategy takes into consideration the structure of the scheme, your present and future commitments, your current asset holdings, your return objectives and your approach to risk. The strategic asset allocation is established on a long-term basis. It takes into consideration the historical returns of each asset class and the return objectives of the pension scheme.

 

(Next: investment process)