Improved customer in on-line customer communication and its statistical implications

One of the crucial challenges of modern financial advice is to find a reliable and fast way of assessing the risk profile of a pension customer. We will go through the implications of failed financial advice and we introduce a new hedging methodology that can minimise the risk of such failure. A future vision is to add market timing based on statistical estimation of the dynamics of the market. The talk will describe these ongoing statistical challenges and give guidance to how such market timing could be combined with our new communication and hedging strategy.