AUM in Digital wealth is not the metric that lived up to expectations From 2016, consulting practices put out their 5yr predictions on the growth of the Robo Advisor subsector, mainly focusing on the potential to gather assets. It was the time when Vanguard was making its first leapfrogging attempts in a space that Betterment…

Our journey of Humans and Machines in managing Uncertainty — Part I The conversation around the interaction between data, algorithms, and humans never stops. Once again, A crisis like no other! The COVID19 induced crisis, of course, provided us with an ideal setting to use more data, test and train algorithms, and experience our and…

Stash the robo-advisor with over $300million in total funding The closing of the Motif and the timing of the $112million funding of Stash, have sparked interesting conversations. Craig Iskowitz weaved a rich coverage of Motif`s story on May 1st with lots of data and back flashes on how Motif was perceived along its journey. 13 Roboadvisors…

A Digital coin designed to act as store of Value — Ndau   https://ndau.io/ (XND) Ndau is not a stablecoin. It is a stateless Buoyant digital currency with a built-in design to act as a store of value. It is less known, as it not conducive to pomp and dump. Programmable money, like Bitcoin, are available…

Govtech to Trace, FUD, and the Stockholm SyndromeTwo realities and a dream I first look at a government and citizens that had developed technology when COVID-19 started spreading. Singapore`s Government digital services have developed a narrative focused on `Helping Citizens` One idea at a time One-Line code at a time One pixel at a time The Singapore…

Figure, the Lending new unicorn powered by Blockchain Earlier this year the SEC approved a new ETF wrapper and several companies will be able to launch active ETFs or license the wrapper to asset managers. Undoubtedly, the growth of low cost, indexing, passive ETFs has been supported by digital innovations in wealth management. However, it…

Figure, the Lending new unicorn powered by Blockchain During the last week of February, market indices dropped precipitously, wiping out trillions of dollars in a historic drop. I kept worrying about the liquidity issues that robo-advisors could be facing, as I kept fresh in my mind the Betterment/Brexit incident in July 2016! When the unexpected…

Passive investing has led to excessive Corporate Control by the Big Three The growth of passive investing is not limited to the ETF wrapper. Other indexing investment products have also been growing, with mutual funds dominating. Vanguard has pushed the industry towards such investment products with low expense ratios. Vanguard boasts an average expense ratio…