Moody's Analytics investment product design solution delivers a product risk and suitability framework that allows product providers, distributors, and advisers to develop investment propositions aligned with stringent regulations and configured to business needs.

There is increasing pressure from regulators to ensure that retail investment solutions are suitable for customers' risk profiles and financial needs. Relying on a client's attitude to risk or broadly defined fund sectors is no longer sufficient; firms are expected to verify that the customer can sustain potential losses associated with the recommended investment.

For advisers and distribution platforms, this means being able to offer risk-graded investment solutions with well-defined risk characteristics, which can be mapped explicitly to client needs.

For manufacturers, this means designing products or funds which can be integrated easily into the risk-grading framework of different advice processes and distribution platforms.