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Talk Business & Politics article

https://talkbusiness.net/2017/07/pfitr-ready-to-disrupt-bond-market-one-year-after-graduating-from-venture-centers-fintech-boot-camp/

Access all CUSIP data
One solution to access millions of CUSIP numbers

With millions of bonds being issued and traded worldwide, a very precise classification system has become the standard to correctly identify the financial instrument it represents with a CUSIP number. But, it has become very complex to gain access to these unique identifiers, since there are millions of them trading constantly. The CUSIP system, owned…

pfitr interest rate risk
The solution for Interest rate risk

A comprehensive risk management strategy includes the identification, measurement, monitoring and controlling of the interest rate risk. The risk that affects and influences so much in the markets, that in this particular piece we will focus on the side of the prices of fixed-rate bonds falling due to rising interest rates. Interest rates climb when…

Bond market
Why should anyone invest in the bond market?

The Bond market is the largest market in the world that is generally classified into the Government & Agency bonds, Corporate bonds, Mortgage-backed bonds, Municipal bonds, Asset-backed bonds and collateralized debt obligations. They do not get much attention among most investors as the stock market does. But they do play a vital role in balancing…

Training and Coaching for fiduciaries from the FinTech startup, PFITR.

We know that a fiduciary is any person (accountants, attorneys, treasurers, bankers, business advisers, financial advisers, mortgage brokers, etcetera) who has the legal responsibility for managing somebody else’s money. This means they have a legal and ethical role over the management and investment of another party’s assets with the main duty of being a prudent investor of…

Questions you need to ask before investing in Bonds

People that invest in bonds and other fixed income securities, are well aware of the advantages and benefits of doing so, when choosing this type of investment over investing in the stock market instead. The bonds help to diversify your portfolio which helps minimize risks, and most of the traditional bonds provide a stable source…

Investors qualities
Top 5 Qualities that make you a better investor

We have already discussed in our previous blog posts the importance of having a strategy and the right tools that allow you to plan and make the best investment decisions, according to your budget and investment policy. If you have missed any of these articles, you can go back and check them out in our…

Investment strategies
The right strategy for your investments

When looking into investing, individuals, banking institutions, corporations and even government entities, rely on investing their hard-earned money in the bond market for “safer” and higher returns. Everyone’s main focus is on getting the best investment returns, but the “funny” thing is that sometimes there is no well-defined plan or strategy or either one gets…

Mark to Market
Talking about Mark-To-Market

For many years, assets were being recorded on their balance sheet at their actual “historical” cost, and by doing this, critics argued that the method provided investors with stale information that was irrelevant to decision making and advocated for marking assets to their estimated “market price” or “fair price”. And this is when the concept…

BPV tool
How can a “start-up” coach YOU on mitigating risks in the bond market?

There is a notion that bonds are the safest and low-risk investment option, as compared to the highly volatile stocks. This may be true to some extent, but there are some risks that investors tend to forget and consider before making their investment decisions. In this article, we will see how the startup company PFITR,…

PFITR Software solution
A Software Solution Everyone in Treasury Management Should Have

Treasury management includes everything that has to do with the methods and tools required to handle all of the financial holdings of an enterprise. Sometimes, it is referred to as cash management but these two are very different. Actually, cash management is a division of treasury management and it deals with the daily activities for…

Treasury Management PFITR
Fiduciaries are stress-free with the right software solution in their hands!

In this fast-paced world, things keep changing rapidly and problems keep stacking over one another waiting on either exploding or having an outsider or technology come and solve them one by one. Since the last 3 decades, development of technology, rise in income of individuals, fluctuating markets, globalization, FDI’s & FII’s, have all contributed to…

Finally, a new solution that helps you deal with Interest rate risk!

We all know that an unforeseen change on interest rates will negatively affect the value of your investments. And the relation between the two is a bit confusing to understand; when interest rates go up, the value of the bonds go down and when interest rates do down, the value of the bonds go up.…

One Smart tool to mitigate your Bond Investment Risks

When it comes to finding a strategy that helps mitigate the risk on your fixed income securities, there are many challenges and variables to consider, and with today’s technology, you would think there is a solution out there that might solve this problem already! Well, while the markets and the economy will continue their volatility…

Bond market information from an affordable tool

If you are currently working in the bond market, then you are familiar with the Bloomberg terminal which is one of the most expensive financial data provider. It is also a very complex source of information since, most of the times, its users do not require all of the information that the Bloomberg terminal provides,…

Planning to invest in Municipal Bonds?

Check out the “BPV tool” to make your investment decisions, be the best informed-decisions for your portfolio. A municipal bond is a debt instrument issued by government entities in order to finance projects like the construction of a highway, a hospital or other infrastructure assignments of public concern. Since they fund projects for the public, the…

The “BPV tool” as the next CUSIP source

Before we get started on this topic, let me remind you what does the “CUSIP” acronym stands for: “Committee on Uniform Security Identification Procedures”. The “Committee on Uniform Securities Identification Procedures” was formed in the year 1962 and developed a system to identify securities in the USA and Canada, with the main purpose of facilitating the clearing…

Revenue bond issuers are feeling the sting of rising interest rates.

Many revenue bond issuers are sending big checks to their trust departments because of rising interest rates. Municipal revenue bond issuers have Debt Service Reserve Funds (DSRF) held with their trustees. The DSRF is 10% of the bond that is issued.   Because they are borrowing money and paying interest, it only makes sense to get…

How are your ‘safe’ investments doing now?

The global bond market is down almost 2 trillion dollars since the election.   Over the last year, I saw quite a few articles, mostly in local papers, about fixed income portfolio managers achieving record returns in their portfolios (comparatively speaking). A little hubris was observed among some fixed income securities fiduciaries of state pools, cities,…

Banks Are Facing Tough Questions about Interest Rate Risk from Regulators

You know that feeling you experience when something is obvious in hindsight? The subprime mortgage crisis of last decade, for example, seems inevitable in retrospect. Yet only a few were visionary enough to recognize the warning signs and act. Today we’re seeing a similar scenario playing out with regard to interest rate risk — though…

How to Explain Your Bond Portfolio Losses

If you’re a treasurer a CFO or any other type of institutional investor, you might have already had to go through the explanation of why your bond portfolio shows big losses. In the ten days following the US presidential election, rising interest rates hit bond investors hard. After years of sustained rock bottom rates, some institutional investors…

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