Individual Asset Liability Management (iALM)

CSA's unique individual asset liability management system iALM offers a new solution to individuals’ asset allocation problems by meeting clients’ expectations through evaluation of their income prospects, liabilities, life goals and desired consumption levels

Embodying CSA's Stochastics™ technology iALM is capable of coping with a myriad of practical details over very long investment horizons in the face of intrinsic uncertainty

iALM constructs a household's dynamic investment policy to best meet individuals' aspirations. Since circumstances and goals change, it is designed to allow for regular revision in light of changing personal ambitions, unforeseen events and market conditions

Using iALM clients can see how their consumption/investment behaviour depends on the timing and nature of major liabilities and their own personal goals, allowing them to understand and plan their financial future. iALM can be used interactively to help clients discern the feasibility of their goals and how and when their objectives can be achieved

Download recently published iALM papers here, here and here

Download a presentation showing a sample client report here