Digital Financial Advice

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Presentation transcript:

Digital Financial Advice The Future of Robo-advice for Superannuation John O’Connell Chief Investment Officer, Macquarie Banking & Financial Services 26 May 2016

Innovation Disruption Societal change

“We see digital advice as having the potential to offer Australian consumers access to good quality low-cost, financial advice” John Price, Commissioner Australian Securities & Investments Commission

There are many facets to advice Holistic financial planning has many aspects The various parts present various challenges for an on-line model

Data crunching is a commodity in a digital world

Investment management models cater to a diversity of needs Robo 2.0 engaged Index managed Robo 1.0 managed Traditional managed Hedge managed DIY

Vertically integrated All business models can be enhanced by technology Fund of Funds Advice (unbundled) model Robo 1.0 Unaligned Vertically integrated Robo 2.0

Fee level 1 Fund of funds Fee level 2 Cash trust ETF 1 Fixed Income ETF 2 ASX 200 ETF 3 US S&P 500 ETF 4 Europe EMs 40% 60%

Owners Advisory is built on the principle of guided choice Solves pain point for clients who are: Time poor Afraid of failing FOMO Corrects the 2 big retail performance detractors: Position sizing Investing emotionally

How on earth did we find our way before guidance systems ? Where do you want your portfolio to go ?

Rigorous, consistent quality, reproducible, scalable Human interaction ‘social animals’

Owners Advisory is a do-it-yourself investment platform providing expert investment advice, helping DIY and SMSF investors to make smarter investment decisions. Owners Advisory is a division of Macquarie Equities Limited ABN 41 002 574 923 AFSL 237504. Important disclosure information about any research contained in this document or regarding the subject companies mentioned is available at www.macquarie.com/disclosures.