Oxford Risk

Oxford Risk makes behavioural finance software that wealth managers, financial advisers, banks, digital advice platforms and asset managers use to assess investors and match them to suitable products. The London company was founded in 2002 by decision-science academics from Oxford University.

Its main product, Investor Compass, scores a client's risk tolerance, composure, financial and risk capacity, goal affordability, and knowledge and experience, then sets a suitable investment risk level and records sustainability preferences in line with European MiFID rules. Results feed a client report, mapped fund selection and an audit trail for compliance. Higher tiers add a deeper financial personality profile, tailored behavioural prompts, an adviser dashboard and data for management reporting and marketing. A separate engagement product uses existing client data to time personalised messages for banks and direct-to-consumer platforms, and a risk mapping service rates funds and portfolios from their asset allocations so advisers can link them to client profiles. A retirement income tool weighs drawdown against guaranteed income.

Investor Compass comes in three forms: through partner back-office systems at £85 per adviser per month, as a standalone web app at £1,020 per adviser per year, or as an API integration priced on enquiry with per-client options. Oxford Risk also takes research and consulting projects for financial firms.