Ortec Finance conducts Asset Liability Management (ALM) projects for pension funds worldwide. In an ALM study the asset/investment and liability side of a pension fund are brought together and funding ratio risks are translated into consequences for premiums and contributions.

An ALM study displays the future pension risks for corporations with respect to their balance sheets and profit and loss accounts based on international accounting standards. This applies to local corporations as well as multinationals where Ortec Finance performs an integral analysis of the risks and regulations for both domestic and foreign pension plans.

An ALM study is an ongoing process which assists Pension Funds to react immediately to continually changing markets.