Moody’s Analytics enables product manufacturers, asset managers, advisers, and other distribution platforms to put in place a robust and objective risk-graded investment proposition, aligned with stringent regulation, and configured to specific business needs.

Reliance on subjective assessment of a client's attitude to risk, broadly defined fund sectors, or on simple measures such as volatility has led to retail investors experiencing outcomes which fall far short of expectations.

Advisers and distribution platforms need the ability to define risk grades in terms other than cautious or balanced, requiring instead more clearly quantified measures of risk, and potential loss. Such metrics can be used to obtain a better understanding of what constitutes a client's capacity for loss and to match products to client needs.

Product manufacturers and asset managers require tools for designing products or funds which can be integrated easily into the risk-grading framework of different advice processes and distribution platforms. This means building solutions according to well-defined risk profiles and investment objectives in a way that allows for continuous product monitoring and governance.