Homegrown fintech company, CP Global Fintech Solutions has officially launched its digital investment platform Airo, with the aim of helping Malaysians achieve their financial goals through personalised portfolios, starting with a capital of as low as RM50. It is also said to be Malaysia’s first actively managed digital investment platform (also known as a robo advisor), and is especially suitable for beginner investors.

In a statement, Airo said that the platform features an advanced algorithm-driven investment engine that enables it to tap into an actively managed asset allocation strategy. With this, investors will be able to assess unique investment opportunities that are identified in the global financial market, as well as enjoy active risk management 24/7 while maximising returns.

With regard to risk management, specifically, Airo said it utilises something called a conditional-value-at-risk (CVAR) system to actively monitor portfolio risk on a 24/7 basis, to manage and hedge against possible downturns as effectively as possible. This robust risk management facility is further boosted by the fact that Airo’s technology also employs hedging assets, such as inverse exchange traded funds (ETFs), to further mitigate potential downside risks in the event of severe market corrections.

Depending on their unique requirements and risk appetite, Airo investors will be assigned portfolios that fall under one of the following four distinct categories:

BOCA categories	Description
Balanced	Seeking stable growth, balanced risk and returns to grow capital over the long-term
Opportunistic	Open to investing in trends, cycles, and themes for less correlated returns to conventional portfolios
Contrarian	Tapping into assets that have potential long-term value but are currently mispriced
Adventurous	Aiming for highest possible returns, do not mind taking on more risk from time to time

Airo also reassured that investors will not need to worry about lock-in periods or hidden fees, with the annual management fee set at 0.8%. Brokerage charges, meanwhile, range between 0.05% to 1% of trade value, on top of regulatory fees and withholding taxes (where applicable). There are no portfolio rebalancing charges, but note that transfer fees will also apply where appropriate.

Additionally, Airo said that investors’ monies are kept securely in a separate custodian account with Pacific Trustees – a trustee group with operations in Malaysia, Labuan, and Singapore – and that it is licensed by the Securities Commission Malaysia (SC). Meanwhile, its platform is protected by a range of cybersecurity features, including two-factor authentication (2FA) and biometric-enabled access, on top of secure Amazon Web Services (AWS) servers.

“At CP Global Fintech Solutions, we are committed to delivering long-term solutions to help our fellow Malaysians from all walks of life achieve their wealth goals. To do so, we use a systematic global macro system to harness the flexibility and opportunities that stem from an active investment strategy – all the better to meet the needs of our users directly,” said the chief investment officer of CP Global Fintech Solutions, William Yii.

In conjunction with its official launch, Airo is currently running a campaign that rewards investors who deposit a minimum of RM300 to any Airo portfolio with an RM10 Grab voucher. This promo is set to run until 11 December 2023.

You can download Airo for free on Google Play or the App Store, or visit its official website here for more information.

• TAGS:
• Airo
• CP Global Fintech Solutions Sdn Bhd
• Pacific Trustees
• Robo-Advisor
• Securities Commission Malaysia
• William Yii