What is an Asset Liability Model?

Asset Liability Management (ALM) is an approach where investments (assets) and future obligations (liabilities) are managed in relation to each other. Large pension funds have used it for decades.

At Vive, ALM sits under the bonnet of every account. The model determines the optimal mix based on:

• Your age and the time remaining to your goal or retirement date.
• Your financial situation and risk appetite.
• Current interest rates and market conditions.

This gives every participant their own balance between return and certainty. Read more in the financial model.