Why Does The World Need Qfinr?

The Investment Industry is beset with a number of problems for all stakeholders.

For the Investor, the most important are the lack of

  • reliable information to look at and investigate investment opportunities,
  • Tools to look at their portfolio holistically and understand inherent risks and opportunities,
  • the trust gap between herself and the investment advisor/distributor/or the manufacturer given the inherent conflict arising from the economic model,

The 2020 covid crisis has highlighted the gaps faced by investors who were faced with significant drawdowns given the inherent risks of their portfolio.

For the small Family Office or Independent Financial Advisor, the problem is absence of reasonably priced and academically robust analytical tools to help her explain and sell her recommendations to his client.

And finally, for the senior wealth manager, the problem lies in ensuring that operational processes and compliance activities get automated so that they are time saving and easy to execute, and therefore increase bandwidth of the RMs to spend more time in revenue generating activities.

The Solution

Qfinr is an easy/intuitive app that uses reliable, industry-level data and is built using robust “best of breed” tools that will address all of the gaps identified above. It is a quantitative backbone of routines and tools on the cloud that can be accessed via a phone App or a desktop browser. It is multi-country and multi-asset ready: cash, deposits, equities, fixed income, mutual funds, ETFs commodities are already covered. Any asset with a public price can be added.

The Qfinr solution starts with the Investor at the center. The current version of Qfinr, being Beta Tested right now has the following features.

 

  1. Qfinr Qfinr first seeks to understand a client’s risk profile & loss avoidance behavior via a set of 17 psychometric questions and gain / loss questions..
  2. Qfinr will also like to understand the client’s goals for the investment – whether it is for a specific big-ticket purchase, say a down payment for a house or if it is for retirement. Qfinr has developed a comprehensive retirement planner that focuses on the unique cash flow forecasting technique. [This section of the platform is under development].
  3. Qfinr then asks the client to upload his existing portfolio, if one exists. The Portfolio Analyser is very feature rich. It will look through to the individual components of Funds and ETFs and aggregate the instruments and industry exposures to his existing Equity holdings to get to a true exposure, examine the absolute and relative volatility & return statistics for the existing portfolio with respect to suitable benchmarks, will also analyze the risk associated with  current investments. It looks at Daily Returns and compares to the returns of a benchmark, does Stress Tests and Forecasts Dividends.

    Note: A simple portfolio is preloaded to the Qfinr platform to help investors get familiar with the platform, if so required. Else, this pre-loaded portfolio may be deleted.

    If the user does not have an existing portfolio, then the same analysis can be done for the proposed investments. A watchlist portfolio can be created to analyse for robustness, risk and return using the same tools as mentioned above.

    The Portfolio Analyser is designed to generate questions in the mind of the user and to examine the riskiness or return characteristics of the existing portfolio. All of Qfinr’s outputs are presented in a graphical format to make the understanding of the results intuitive.

  4. In addition, the Portfolio Analyser module is also designed to do a what-if analysis to help clients get closer to the preferred outcomes by making changes to their portfolio.
  5. Once the investor gets a better handle of her investment style, her risk tolerance levels, and the risk associated with her current investments, she may then explore fresh investment ideas and themes by applying various filters to stocks as per her individual preference, discover unique market insights, and get a deeper understand the strength and weaknesses of mutual fund schemes using our proprietary quant driven analysis models.

Qfinr is now able to record and analyse portfolios in 7 countries. The database can analyse 7000 instruments of which 2081 instruments are for the Indian market. These comprise 227 INR bonds, 44 ETFs, 542 Funds and 1268 stocks.

The table shows the full extent of the assets in the database as on 31st July 2021.

 

Country/InstrumentsStocksFundsETFsBondsCommodityCryptoCountry Total
India126854244227  2081
USA1134501352   1987
Singapore9735229737  1215
UK28462216   562
Europe28215212   509
China70 81   151
Hong Kong506 47   553
Global    314
Instrument Totals36411472981964317062

The Qfinr USP

The Qfinr Architecture has multiple advantages, with the biggest being the ability to offer a fully thought-out comprehensive quant driven “analysis and insight” solution to those markets which require such an approach, while offering a SAAS solution for Enterprise clients in other markets.

Under the SAAS offering, enterprise clients can access individual packages from the Qfinr platform and incorporate them into their own processes and platforms or can white label the entire suite of offerings as per their choice.

Qfinr’s unique feature is the ability to analyze multi-geography, multi-asset, and multi-currency portfolios, and to identify risks across all these. In other words.  Qfinr has been built to scale in multiple countries, from the start. Any new market can be added within a few weeks. An investor with a multi-country and multi-currency portfolio can use Qfinr to have a holistic view of their portfolio.

Qfinr -Powering Intelligent Investment Decisions.