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Examples of using a giro

Amsterdam Fietsen

IQ-EQ Investment Giro Services can be used in a variety of ways:

  • Efficient individual asset management using model portfolios 
  • Building wealth by accumulation of periodic investment of small amounts
  • Portfolio of investments in private equity and real estate
  • Investment administration for funds
  • Investment administration for cooperative projects like solar - and wind energy parks
  • DC individual pension accounts
  • Dedicated portfolios for charities

Case study examples 

A Giro is used by i.e. individual asset managers, fund managers, pension funds, banks and insurers.

Read below why these professionals use the IQ-EQ Investment Giro Services to create operational efficiency, lower costs and added value for their clients.

Individual Asset Managers

Asset managers have alternative assets for an expensive and inefficient tripartite structure with a depot bank or broker. 

  • Hold assets at own account in accordance with the Dutch Wge and set up a 'Stichting Bewaarinstelling' to hold the cash for clients that is earmarked to invest at the next occoasion
  • Use a Dutch Wft 'Bewaarinstelling' for the administration of the assets and cash of its clients 
  • A combination of the two above-mentioned possibilities

IQ-EQ Investment Giro Services provides all the necessary services and permits. Together with asset managers, we determine which form best suits their service, profile and ambition. We offer for asset managers:

  • More than 50% transaction costs reduction
  • Efficiency in using model portfolios and rebalance
  • Buying and selling in amount, holding positions in fractions 
  • Partial and or periodic buying or selling
  • Full service back-office operations
  • Web portal included also for opening account
  • Including CDD, KYC, MIFID II reporting and AML

Family Offices

Family Offices have alternative assets for an expensive and inefficient tripartite structure with a depot bank or broker. 

  • Hold assets at own account in accordance with the Dutch Wge and set up a 'Stichting Bewaarinstelling' to hold the cash for clients that is earmarked to invest at the next occoasion
  • Use a Dutch Wft 'Bewaarinstelling' for the administration of the assets and cash of its clients 
  • A combination of the two above-mentioned possibilities

IQ-EQ Investment Giro Services provides all the necessary services and permits . Together with asset managers, we determine which form best suits their service, profile and ambition. We offer  Family Offices:

  • Separate accounts for different asset classes, sectors, countries, currencies
  • Separate accounts for family members, trusts or charity projects
  • Up to 95% transaction costs reduction
  • Efficiency in using model portfolios and rebalancing
  • Full service back-office operations
  • Web portals included also for opening account

Fund Managers - Fund Platforms

Do you wish to distribute your funds yourself or set up a cooperative distribution platform with other fund houses? Do you wish to create model portfolios with your funds? With our IQ-EQ Investment Giro Services we can support that ambition.

  • Web Portal for your funds or fund 'Supermarket' including opening account
  • API’s available with our back-office systems
  • Full service back-office operations
  • Including CDD, KYC, MIFID II reporting and AML
  • For execution only - but also for asset management products
  • Create products of model portfolios with your funds or selected funds
  • Offer exclusive platform for Members Only
  • Portals for best-of-class, special asset classes or sectors

Pension Funds

The Pension System will reform from Defined Benefit to Defined Contribution. Pension Funds must offer individual pension accounts to build a portfolio with assets. For Pension Funds that do not have the knowledge, time or desire to invest in new IT systems, the IQ-EQ Investment Giro Services offer the full package solution.

  • Periodical buying of assets from the cash (premium) deposited
  • Execution-only or managed products
  • Model portfolios and rebalance
  • Life cycles
  • Investments only in the by the Pension Fund offered selections of Funds  
  • Full service back-office operations for the administration of assets on the individual accounts
  • Handling the settlement of the trades in the investments
  • Web portal to publish the assets on the account, returns and transaction statements
  • API's with the back-office system of IQ-EQ 
  • Interfaces with the Pension Administration System
  • Interfaces with third party tools
  • Import and export of data

Charity Foundations

Operators of 'Charity' Foundations want more control on the spending of their donations. Due to the low interest, managers wish to continue to invest the funds. Preferably on a separate account per charity. Because it concerns relatively small amounts, the costs of management and transactions are considerable. Operators and their asset managers are looking for an efficient solution at a relatively low cost. IQ-EQ can support this ambition.

  • Separate accounts for each charity
  • Up to 95% transaction cost reduction
  • Efficiency in using model portfolios and rebalancing
  • Potential for more changes in the model portfolios
  • Full service back-office operations
  • Web portals included also for opening account
  • Periodic selling in amounts

Asset managers have alternative assets for an expensive and inefficient tripartite structure with a depot bank or broker. 

  • Hold assets at own account in accordance with the Dutch Wge and set up a 'Stichting Bewaarinstelling' to hold the cash for clients that is earmarked to invest at the next occasion
  • Use a Dutch Wft 'Bewaarinstelling' for the administration of the assets and cash of its clients 
  • A combination of the two above-mentioned possibilities

IQ-EQ Investment Giro Services provides all the necessary services and permits . Together with asset managers, we determine which form best suits their service, profile and ambition.

Banks and Insurers - New product development

IQ-EQ has a proven track record in co-creating new products for their clients. The combination of this experience and the IQ-EQ Investment Giro Services makes IQ-EQ a trusted partner to support the ambitions of banks and insurers within the EU by providing:

  • A Plug and Play basic full-service back-office operations for Investments Administration
  • White label web portal to publish assets, revenue, transaction statements
  • Functions for transactions ordering and change in risk profiles
  • Digital documents archive in the 'My XYZ Portal'
  • Portal includes also opening account
  • Full compliant for CRS, Fatca, MIFID II and in due course for GDPR
  • Including CDD, KYC and AML
  • Front-Office first line support
  • Low to no CAPEX
  • Fair running costs with economy of scale for both
  • Short time to market

Banks and Insurers - Closed Books Service Books

Through the years banks and more often insurers have developed many products based on investments. Most of the products are so called closed books because they are not open for new clients. Exisiting clients (until the last one has run-off) still need to be serviced, often on legacy systems.

For over 10 years IQ-EQ is also involved in servicing their closed books. With this proven track record IQ-EQ offers an enormous value for banks and insurers to offer back- and front-office services for their closed books.

The combination of this experience and the IQ-EQ Investment Giro Services makes IQ-EQ a trusted partner  to support the ambitions of banks and insurers within the EU by providing:

  • A Plug and Play basic full-service back-office operations for Investments Administration
  • Data migration
  • White-label web portal to publish assets, revenue, transaction statements
  • Functions for transactions ordering and change in risk profiles
  • Digital documents archive in the 'My XYZ Portal'
  • Full compliant for CRS, FATCA, MIFID II and in due course for GDPR
  • Including CDD, KYC and AML
  • Front-Office first line support
  • Fair running costs
  • Short time to market

Fin Tech start-ups

We support Fin Tech start-ups  by  providing the following services:

  • Plug and Play On-line Asset Management platform
  • Low CAPEX and quick time to market
  • Small depots from EUR 2.5K
  • Web portals included for opening account
  • API’s available with our back-office systems
  • Interfaces for export and export of data
  • Full service back-office operations
  • Including CDD, KYC, MIFID II and AML
  • Efficiency in using model portfolios
  • Up to 95% transaction cost reduction

Automated online portfolio service providers

We support Automated online portfolio service providers known as Robo Advisers in the Netherlands,  by  providing the following services:

  • Plug and Play On-line Asset Management portal
  • Low CAPEX and quick time to market
  • Small depots from EUR 2.5K
  • Web portals included for opening account
  • API’s available with our back-office systems
  • Interfaces for export and export of data
  • Full service back-office operations
  • Including CDD, KYC, MIFID II and AML
  • Efficiency in using model portfolios
  • Up to 95% transaction cost reduction

Real Estate Managers

Managers of Real Estate Investments often administer the first projects with less than 50 investors in-company. Beyond that point they need to upgrade their administration and communications to meet their investor needs. We can support growth by providing:

  • Full service back-office operations
  • Including CDD, KYC, MIFID II and AML
  • Plug and Play On-line Asset portal
  • Communications in the portal
  • Low CAPEX and quick time to market
  • Web portals included for opening account

Private Equity Managers

Managers of Private Equity Investments often administer the first projects with less than 50 investors in company. Beyond that point they need to upgrade their administration and communications to meet their investor needs. We can support growth by providing:

  • Full service back-office operations
  • Including CDD, KYC, MIFID II and AML
  • Plug and Play On-line Asset portal
  • Communications in the portal
  • Low CAPEX and quick time to market
  • Web portals included for opening account

Cooperative Projects

Cooperative Projects, i.e. Solar or Wind energy related, often administer the first project with less than 50 investors in company. Beyond that point they need to upgrade their administration and communications to meet their investor needs. We can support growth by providing:

  • Full service back-office operations
  • Including CDD, KYC, MIFID II and AML
  • Plug and Play On-line Asset portal
  • Communications in the portal
  • Low CAPEX and quick time to market
  • Web portals included for opening account

Services

  • Full Back-office operations

  • Web Portals

  • Communication Output

  • Regulated by the AFM

  • CDD & Client Risk analyses

  • AML & SOW

  • Account opening - Automatically using web portal

  • Tax Reporting

  • Systems and Data Security

  • Product Development

  • First-line support

  • MIFID II Compliant

  • Most Trusted Partnership

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