02 — Capability · BC-1760
Wealth & Investment Management
Grow and protect clients' money in line with their goals and mandates, by advising, managing portfolios, executing trades, keeping assets safe and reporting performance and costs honestly. Covers individuals, institutions and an insurer's general account run under an internal mandate; capital-markets trading, investment banking and the enterprise's own cash sit outside this lens.
- Wealth Management
- Asset Management
- Investment Services
- Private Banking and Advice
In scope
- Financial advice, planning and suitability for individual clients
- Discretionary and advisory portfolio management against client mandates
- Client order handling, trade execution, allocation and confirmation
- Custody, asset servicing, fund valuation and client reporting
Out of scope
- Investing short-term surplus cash, including a bank's own liquidity buffer (see BC-230.10)
- Client identity checks and due diligence at onboarding (see BC-1770.10)
- Market and liquidity risk measured for the firm's own balance sheet (see BC-1780.20)
- Investor relations with the enterprise's own shareholders (see BC-270)
Realized by · 0
- No product in the catalog yet.
Used in · 5
- Advice-to-Portfolio · 01 Onboard & Profile via BC-1760.10
- Advice-to-Portfolio · 02 Plan & Advise via BC-1760.10
- Advice-to-Portfolio · 03 Invest via BC-1760.20
- Advice-to-Portfolio · 04 Monitor & Rebalance via BC-1760.20
- Advice-to-Portfolio · 05 Report & Review via BC-1760.50
Build it · 0
- Nothing in the library points here yet.
Decomposes into · 5
- BC-1760.10Financial Advice & PlanningUnderstand each client's goals, circumstances and attitude to risk well enough to recommend a plan and investments that suit them, and keep that advice current. Identity and due diligence checks sit in the financial crime lens.
- BC-1760.20Investment Portfolio ManagementKeep each client portfolio invested as its mandate requires, by setting allocation, choosing securities or models, and rebalancing as markets and clients change. Portfolio management of change initiatives sits in the cross-industry portfolio capability.
- BC-1760.30Order & Trade ExecutionGet client orders into the market accurately and on the best terms reasonably available, checked against mandate rules before they go and allocated fairly after they fill. Proprietary and capital-markets trading are outside this lens.
- BC-1760.40Custody & Asset ServicingKeep clients' securities and cash safe, settled and correctly recorded, and pass through every income payment and corporate event that affects them. Payment clearing between banks sits in the payments lens.
- BC-1760.50Client Reporting & PerformanceShow each client how their investments performed, what they cost and why, clearly and on time, and bill the fees they agreed. Management reporting for the enterprise itself sits in Financial Planning & Analysis.