最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯基于互联网平台的金融业务

携手银行,智能投顾平台Scalable公司资管规模突破12亿美元

国际资讯基于互联网平台的金融业务

携手银行,智能投顾平台Scalable公司资管规模突破12亿美元

如今,智能投顾已经逐渐成长为金融科技领域的一股新兴力量,帮助人们利用数字的方式有效管理自己的投资。

而近日,一家名叫Scalable Capital的平台宣布,其智能投顾平台的资管规模已经突破10亿欧元(约合12亿美元),成功跻身行业前列。

而造就这一成绩的主要原因,在于Scalable Capital与银行的积极合作。

2017年9月,Scalable Capital与阿姆斯特丹ING Groep NV旗下的德国数字信贷公司ING-DiBa建立合作伙伴关系,向其800万客户提供Scalable Capital的投资服务。该公司联合创始人和首席营销官Ella Rabener表示,Scalable Capital算法管理项目组合获得了超过5亿欧元的资金流入。

Scalable Capital由麦肯锡公司前任副主席Rabener与高盛集团及巴克莱银行的老将共同组建。

同大多数智能投顾公司一样,Scalable Capital使用交易所交易基金来帮助投资者投资,公司的投资方包括ETF巨头贝莱德公司(BlackRock Inc.)。公司让投资者选择他们愿意接受的下行风险,然后通过算法将各个投资组合整合在一起,以确保在任何时候都能达到该水平。如果发生无法预知事件,例如意外的利率上升,算法将会在几天内评估是否会对投资风险产生持续影响,并相应调整投资组合。

Rabener表示,私人银行目前也在使用ETF,有一天智能投顾可能会通过增加活期账户和提供管理复杂税务和财务问题的建议等服务,增加更多的高净值客户。不过,目前欧洲人的储蓄账户金额已经达到数万亿欧元,她表示公司愿意努力争取更多ING-DiBa这样的交易。Rabener表示,"将这些储蓄账户中的一部分转换为资本市场产品,这是一个巨大的商机。"

When a quartet of German and British finance professionals started their computer-driven asset management offering 28 months ago, they were joining a crowded field. So-called robo-advisers had been plying investors with digital ways to manage their money for several years.

Now their startup, Scalable Capital, has amassed 1 billion euros ($1.2 billion) in assets under management, the company said Tuesday, joining the ranks of the largest independent firms. One reason why: Scalable Capital wasn't shy about joining forces with the investment giants robo-advisers are supposed to be disrupting.

The firm in September announced a partnership with ING-DiBa, the German digital lender owned by Amsterdam-based ING Groep NV, offering Scalable Capital's investment services to its 8 million customers. As a result, more than 500 million euros flowed into the young company's algo-managed portfolios, said Ella Rabener, a co-founder and the company's chief marketing officer.

"European investors are becoming more nervous about retirement and preserving their standard of living," said Rabener, a former associate principal at McKinsey & Co. who formed Scalable Capital with veterans from Goldman Sachs Group Inc. and Barclays Plc. "They're looking for an easier way to invest."

Like most robo-advisers, Scalable Capital uses exchange-traded funds to make bets for investors. The company, which counts ETF giant BlackRock Inc. among its investors, uses an approach in which investors select how much downside risk they are willing to accept and algorithms then put together portfolios to make sure that level is met at all times. If an unforeseen event occurs, like an unexpected increase in interest rates, the algorithms will asses for a couple of days whether this will have a sustained impact on the risk of the investment, and adjust the portfolio accordingly.

Noting that even private banks use ETFs these days, Rabener says it is possible that someday robo-advisers may go after more high-net-worth clients by adding services such as current accounts and advice on managing complicated tax and financial issues. Yet with Europeans sitting on trillions of euros in savings accounts, she said the firm is content to push for more deals like the one with ING-DiBa.

"The opportunity to shift some of those savings accounts into capital market products is enormous," Rabener said.


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