Financial Engineering

The Architecture of Investment Solutions.

We transform your market vision into bespoke, institutional-grade financial instruments — from systematic exposure management to structured capital protection.

Discover our process ↓

Who We Are

Your Vision, Engineered.

At INVESS, we do not sell pre-packaged products. We operate as your dedicated structured solutions team, building for you, not selling to you. We are investment universe agnostic — the client decides what they want to be exposed to.

We create rules-based systems to manage the exposure of their selection. It could be a simple filter like volatility, or a complex multi-layer system that dynamically increases or decreases the exposure to the chosen investment universe — which could be an existing index by MSCI, S&P, Citi, or any tradable asset class.

UNIVERSE AGNOSTIC

Any asset class, any strategy, any index

CLIENT CENTRIC

Built to your specification, not ours

INSTITUTIONAL GRADE

Top-tier bank issuance network

THE INVESS PROCESS

End-to-End Solution Architecture.

01

Define.

INVESTMENT UNIVERSE

Client selects the exposure: indices, equities, commodities, currencies, crypto, or any tradable asset.

02

Engineer.

SENTINEL OVERLAY

Invess applies Sentinel — proprietary rules-based systems to manage and optimise the exposure.

03

Structure.

INSTRUMENT DESIGN

Choose the delivery vehicle: Tracker, Bank Note, or NavLock Note. Configure KG, PR, maturity, and currency.

04

Execute.

INSTITUTIONAL NETWORK

Select the optimal counterparty from our network of top-tier, A-rated global banking partners.

SYSTEMATIC EXPOSURE MANAGEMENT

Sentinel.

Sentinel is a proprietary, rules-based system that continuously monitors and adjusts your exposure to any investment universe. It follows a strict set of quantitative rules to increase or decrease exposure based on market conditions — automatically, without emotion, without delay.

You choose what to invest in. Sentinel decides how much, and when.

VOLATILITY TARGETING

Calibrate exposure to maintain a defined risk budget, scaling positions inversely to realized volatility.

MULTI-LAYER REBALANCING

Apply multiple signal layers — trend, momentum, drawdown — to dynamically govern allocation weight.

DYNAMIC EXPOSURE SCALING

Systematically increase exposure in favourable conditions and reduce it during adverse market regimes.

CONFIGURABLE FREQUENCY

Observation and rebalancing frequencies from daily to monthly, tailored to the strategy’s objectives.

Technical definition: Sentinel is a configurable, rules-based overlay that governs the allocation weight to an underlying reference asset or index. Operating at defined observation frequencies, it applies multi-factor signal processing — including realised volatility, trend persistence, and drawdown thresholds — to systematically scale exposure between defined bounds.

DELIVERY VEHICLES

From Strategy to Instrument.

Sentinel-powered strategies can be carried by different types of tradable instruments, each configured to match the client’s risk appetite, return objectives, and regulatory requirements.

PURE EXPOSURE

Trackers.

Simple, transparent instruments that provide direct exposure to an investment universe powered by Sentinel. No capital protection, no maturity constraint — a pure, systematic exposure vehicle.

Direct market exposure
Sentinel-powered rebalancing
No maturity constraint
Transparent & liquid

STRUCTURED

Bank Notes.

Structured instruments issued by top-tier, A-rated banks that embed the Sentinel-managed strategy. Configurable across multiple dimensions to match the client’s risk-return profile.

Capital Protection (KG): 0–100%
Participation Ratio (PR)
Various maturities
Tier-1 bank issuance

PROFIT PROTECTED

NavLock Notes.

A specific category of Bank Notes that include the NavLock mechanism — a ratchet that permanently locks in a percentage of the High Water Mark at every observation point.

HWM profit lock-in
Weekly to quarterly observations
90% of peak permanently secured
Rate-independent protection

Bank Note Configuration Parameters.

PARAMETER	DESCRIPTION	RANGE
Capital Protection (KG)	Guaranteed repayment at maturity by the issuing bank	0% to 100%
Participation Ratio (PR)	Degree of participation in the underlying strategy’s performance	Variable, typically 100–300%
Maturity	Term of the note from issuance to redemption	1 to 20+ years
Issuer Credit Rating	Creditworthiness of the issuing bank	Top-tier, A-rated banks
NavLock (Optional)	HWM profit-locking mechanism at periodic observation points	Weekly to quarterly
Currency	Denomination currency of the note	USD, EUR, CHF, SGD, etc.

PROFIT PROTECTION

NavLock.

NavLock is a ratchet mechanism embedded within a Bank Note that permanently locks in a percentage of the strategy’s High Water Mark (HWM) at every periodic observation point — from weekly to quarterly. Once locked, the protected value can only increase, never decrease.

This mechanism reduces the negative impact of interest rate movements on long-term notes, as the protected value at maturity is fixed at the highest point observed — not at the prevailing market rate. Combined with capital protection (KG) at maturity, NavLock creates an asymmetric return profile: full upside participation with a structurally guaranteed, rising minimum.

Note: NavLock is an optional feature. Not all Bank Notes require it. The decision to include NavLock depends on the client’s investment horizon, risk tolerance, and whether profit protection is a priority.

HOW NAVLOCK WORKS

01

At each observation point, the strategy’s current value is compared to the previous High Water Mark.

02

If a new peak is reached, 90% of that peak is permanently locked as the new protected floor.

03

The floor can only rise. It never declines, regardless of subsequent market movements.

04

At maturity, the investor receives the greater of: the locked floor, or the strategy’s final value.

90%

OF PEAK PERMANENTLY SECURED.

THE BEST OF BOTH WORLDS

Sentinel + NavLock.

When combined, Sentinel and NavLock deliver a structurally unique outcome: systematic market risk management and permanent NAV protection. The strategy grows your investment. The structure ensures you keep it.

1

Sentinel Inflates the Balloon.

The systematic engine drives strategy returns upward through disciplined, rules-based exposure management. As the strategy performs, the balloon grows.

2

NavLock Expands the Box.

When the balloon fills the box, NavLock permanently enlarges the protected NAV floor. At every observation point, the box ratchets to its new, larger size.

3

The Box Never Shrinks.

Even if the balloon deflates during a market correction, the box stays at its largest size. Your protected NAV is permanently locked. The negative impact of interest rate movements diminishes as the box grows larger.

You always end up with the largest box.

Sentinel manages the market risk. NavLock protects the NAV. Together, they create an instrument where performance is captured and profits are permanently secured — regardless of what happens next.

WHY INVESS

Our Core Differentiators.

ATTRIBUTE	INVESS APPROACH ✅	TRADITIONAL APPROACH
MODEL	Solutions Architect We build custom solutions based on client needs.	Product Pusher Sells pre-defined, one-size-fits-all products.
FLEXIBILITY	Open Architecture Any universe, any strategy, any issuer.	Siloed & Proprietary Limited to the bank’s own products.
EXPOSURE	Sentinel-Powered Systematic, rules-based, emotion-free management.	Discretionary Subject to human bias and inconsistency.
PROTECTION	Modular Choose KG, PR, NavLock independently.	Fixed Structure Limited ability to tailor instrument features.
ISSUANCE	Multi-Issuer Select the optimal bank from a network of top-tier institutions.	Single Issuer Locked to one bank’s balance sheet and pricing.

Sentinel manages the exposure.
The instrument protects the capital.
NavLock secures the profits.
INVESS architects the solution.

The outcome is a financial instrument engineered with precision, aligned with your vision, and executed through a best-in-class institutional network.

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