Everyone has various goals in their lives – Some want to save for early retirement, some
want to purchase their perfect home, and others want to buy their dream car. But most
investors are unsure how achievable their goals are and unclear how to begin their financial
Veranos provides GBI (Goal-based investment) technology for personalized lifetime financial planning that guides each individual to a customized investment plan for achieving his or her financial goals.
Our mission is to help ordinary people maximize their lifetime wealth.
Veranos Advanced GBI™ combines cutting-edge financial engineering modeling (MSGP,
Multi-Stochastic Goal Programming) with machine learning and big data analysis
techniques for developing a personalized lifetime financial planning solution with
theoretical optimality, high accuracy, computational efficiency, and wide applicability.
This allows each investor to optimize a financial plan based on his or her financial goals while also effectively controlling investment risk.
Veranos aims to help everyone make optimal financial decisions by providing personalized financial products and services based on Veranos Advanced GBI™.
Veranos provides fully personalized lifetime financial planning based on industry-leading research.
Expertise in all core areas of personalized financial planning service.
Personalized financial planning requires financial market modeling, financial optimization, investment and investor analyses. Our research team includes experts in these areas that continuously perform cutting-edge research.
In-depth knowledge in advanced financial techniques including Nobel Prize-winning models.
Veranos Advanced GBI™ is based on financial theory and portfolio optimization that have been theoretically proven and empirically tested for several decades. Veranos develops advanced financial planning models by integrating MSGP, machine learning, big data analysis to the already accepted methods.
Technical skills to reach incomparable computational speed.
Goal-based investing methods generally require computation that takes at least several hours due to extreme number of variables and future scenarios that must be considered for maximizing goal achievement. Veranos Advanced GBI™ finds the optimal financial plan within a few minutes (if not seconds). This allows services that are low cost, fully personalized, mass customized, and easily expandable.
Efficient implementation of personalized financial product/service.
Veranos Advanced GBI™ efficiently computes optimal financial plans that maximize goal achievement even when there are multiple goals across several time periods. Thus, Veranos GBI is suitable for designing various personalized products and services including pension or retirement solutions, goal-based investment products, and investment advisory services.
Veranos is a global leader in personalized lifetime financial planning with expertise in core technology for analyzing clients, modeling financial markets, and optimizing portfolios.
Analyze investment circumstances
Optimize personalized financial plan by analyzing investment circumstances including investors (individual or institution), investment objectives (e.g., managing pension, planning for retirement, or achieving a target return), financial data (e.g., current assets and future contribution), and non-financial data (e.g., age and investment horizon).
Model financial markets
Financial markets are highly volatile and hardly predictable. Instead of attempting to pinpoint future market movements, Veranos incorporates market uncertainty through statistical models and probabilistically optimizes portfolios through possible market scenarios.
Examine investable assets
An important step in constructing efficient portfolios is to select a distinct number of assets among a wide range of investable assets that are most effective for an investor’s financial planning based on investment circumstances and investor’s profile.
Optimize financial plan
Based on investor and market analyses, personalized financial plan that maximizes goal achievement is optimized. Lifetime financial planning provides optimal allocations at each stage of the investment horizon that reflect changes in market conditions.
Veranos is dedicated to producing world-leading research in financial engineering and data analysis
Experts in financial optimization, data analysis, and software engineering have joined Veranos with a shared goal of providing personalized financial service for everyone.
Industry leaders in financial technology have joined Veranos
We are waiting for passionate individuals to join, learn, and grow with our team of
experts. We look for applicants with knowledge and skills in financial analysis
and/or software development. More importantly, we look for individuals that share
We are hiring for all levels, so contact us if interested regardless of your level
of experience and expertise.
Copyright © Veranos Technologies 2018. All Rights Reserved.