The global Wealth Management industry has been thriving thanks to high returns generated from the twenty- year bond rallies and from the returns of the American equity indices and Emerging Markets. This favourable scenario combined with the poor financial knowledge of customers has allowed the industry to generate and maintain inefficiencies and high costs in the distribution and management of financial products.
The future of the financial market and the rate at which it is, and has been operating at, is not promising. With bond returns holding a zero or even negative value and the stock market carrying a positive growth rate for nearly a decade, it seems unlikely that the industry will be able to sustain such trends.
With returns predicted to be low, it becomes apparent that the industry will not be able to cover the high costs from the inefficiencies. Additionally, pressures are increased from emerging Fintech companies, such as the Robo Advisors, which are gaining market share especially in the United States. The main critical issues that need to be addressed are listed below:
DIAMAN Partners LTD intends to create the first Platform for Hybrid Investment (PHI), which allows investments in all asset classes and investment vehicles including crypto assets.
The PHI (Platform for Hybrid Investment) will provide clients with a fully digitized platform on which to manage all savings and investments, together with human wealth managers to play a fundamental role in identifying the real needs of clients and assist in managing their emotions to avoid classic behavioural finance investing mistakes and/ or poor decision making.
PHI Token Whitepaper pdf
Phi whitepaper
Check out the whitepaper links below for the following documents:
- DIAMAN RATIO
- PHI TOKEN MANAGEMENT TEAM
- PLATFORM FOR HYBRID INVESTMENTS – EXPLAINED
- PLATFORM FOR HYBRID INVESTMENTS – LIGHT PAPER
- PLATFORM FOR HYBRID INVESTMENTS – PITCH
- RETURN PARITY APPROACH
- TARGET STRATEGY: A PRACTICAL APPLICATION TO ETFS AND ETCS
- THE RIGHT TIME TO ENTER
