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"TAMRIS" - Setting standards

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Text Box:   Asset and Liability Modelling & Management

TAMRIS has developed advanced asset and liability modelling and management techniques, processes and systems that have successfully managed portfolios through periods of significant market and economic risk.

The importance of these developments is that they manage the integration of the management of assets and the management of financial needs over time, thereby solving the portfolio problem.

They are more than just modelling the ability of your assets to meet needs, since they also structure the portfolio to meet needs, deliver asset allocation, securities and strategy and plan future changes to asset allocation and asset management needed to meet financial needs.

Most industry wealth forecasting or asset and liability modelling actually separates the asset management and portfolio construction decisions from the modelling and management of financial needs over time.

When TAMRIS assesses your advisor's investment planning, it uses its own advanced modelling techniques to carry out its analysis.   Text Box:  

Assets (investments) and Liability (financial needs) modelling, models the ability of your investments to meet your income and capital needs over your lifetime (s). 

Most asset and liability modelling does not actually model the integration of the management of your assets and the management of your financial needs over time. 

This is important because the structure of your portfolio and its relationship with the size and timing of your financial needs is critical to the ability of your portfolio to provide you with income and capital security. 

Most modelling also fails to properly take into consideration the impact of stock market and economic risks on the ability of your investments to meet your needs over time. 

Following the market downturns of the late 1980s, early 1990s and early 2000s, many investors saw marked declines in the ability of their assets to meet their financial needs over time.  Proper risk management and proper portfolio structure, planning and management would have shielded investors from such shocks.

For further information please see Total Asset, Life Cycle Wealth Management and Is Your Money Being Managed Properly.  For those of a technical disposition, the technical document Asset and Liability Modelling and Management provides detailed information on TAMRIS expertise in this area.