Formuedømme analyzes market data on an ongoing basis and places available capital in line with your established risk profile. You define the framework. The system adapts to them, not the other way around.
Most companies with surplus liquidity leave the capital in an operating account or in static investments that are rarely adjusted. Decisions are made quarterly, often based on gut feeling or the previous period's accounts, while market conditions change daily.
The result is a strategy that neither reflects the current risk picture nor makes efficient use of capital. The gap between "free capital" and "actively managed capital" is getting bigger than it needs to be.
The process is built to repeat itself continuously, not as a one-off assessment.
The system collects relevant market data, interest rate movements and liquidity indicators continuously, without manual input from the company.
Your risk profile is set at start-up and is only adjusted when you change it yourself. The model adapts the locations to this frame, not the other way around.
When the conditions are met within the defined risk framework, the placement is carried out without the need for approval per transaction.
The positions are continuously adjusted according to market conditions, instead of being fixed until the next manual review.
Assessments that previously required meetings and manual analysis are handled by the system within the framework you have set.
Capital that was previously unused in the operating account is placed in line with a defined and documentable risk profile.
Formuedømme is based on a predictive model that assesses market data against the risk profile you have defined. The model does not suggest placements independent of your framework — it operates within them. This means that the same market signal can produce different outcomes for two customers with different risk tolerance.
Every decision can be traced back to which data and which risk framework was the basis. You get insight into the logic, not just the result.
Financial data is processed in accordance with current Norwegian regulations for financial services and privacy. Access to account information is limited to what is necessary for the analysis.
The company's data is used exclusively to calibrate and perform placements for the customer in question. Data is not shared with third parties for other purposes.
Liquidity needs are part of the risk profile you set at start-up. Placements are made within time horizons you define yourself, so that capital you may need at short notice is not tied up in strategies with a longer lock-in period.
The start-up involves a survey of risk tolerance, liquidity needs and existing account structure. Based on this, the framework within which the model operates is set. The process is designed to require minimal time from the general manager or financial manager.
Data relating to accounts and transactions is only used to calibrate and execute placements for the individual customer. The processing follows the current regulations for financial services and privacy, and access is limited to what the analysis actually requires.
A review normally takes less than an hour and gives you a concrete picture of how Formuedømme would manage your surplus liquidity within the risk profile you determine yourself.