OPM (Other People’s Money): Investing Truths Beyond the Noise

Understanding OPM and Its Influence on Investing

In the world of investing, stories sell. And those who manage Other People’s Money (OPM) are in the business of storytelling. They create narratives around the stock market—bull runs, bear traps, market cycles—all to keep their clients engaged and, most importantly, invested. The latest trends and buzzwords flood financial discussions, shaping how individuals perceive risk and opportunity.

But who are these OPM players? They include:

Portfolio Management Services (PMS)
Alternate Investment Funds (AIF)
Private Wealth & Family Offices
Mutual Funds
Pension Funds
Insurance Companies
Specialised Investment Funds (SIF) (the newest entrant)

Their revenue model is simple: Assets Under Management (AUM). The more money they manage, the higher their management fees. This makes storytelling a crucial part of their business model—because new stories attract new investors.

Cutting Through the Noise: Facts vs. Fiction

At VISO, we don’t sell stories—we present facts. Investing decisions should be made on data, logic, and real risk assessment, not on market noise. We cross-validate risk profiles to ensure informed decisions, rather than impulsive reactions to the latest financial headlines. Because in investing, the truth is always somewhere in between.

The renowned psychologist Daniel Kahneman described such stories as ‘noise.’ Let’s explore some examples:

1. The Tariff War and Your Emergency Fund

Trade tensions are a recurring theme in financial news. But should a tariff war change your approach to emergency savings? Absolutely not. No country is self-sufficient, and trade will continue—just with new terms. The key is to stay prepared for personal uncertainties, not market speculation.

2. West Asia War and Your Health Insurance

Global conflicts dominate headlines, but they don’t alter the importance of your health protection. Whether or not geopolitical tensions escalate, your focus should be on staying healthy: eat right, sleep well, exercise regularly, and ensure you have adequate health coverage.

3. China’s Sanctions and Family Income Protection

If the Western world imposes sanctions on China, will it impact your income protection plan? Not directly. Uncertainty is the only constant. Having the right income protection and insurance plan ensures that your family remains financially secure, no matter what happens in global markets.

4. Russia, Ukraine, and Your Retirement Planning

Brokering peace deals or continuing conflicts won’t postpone your retirement. Your Provident Fund (PF) or National Pension Scheme (NPS) might not be enough to combat inflation or an extended lifespan. Saving and investing wisely today ensures financial security in your golden years.

5. Don’t Postpone Life’s Adventures

If you’ve been waiting for global peace to go bungee jumping in the Southern Hemisphere, you might never take the leap. Life moves forward regardless of economic conditions. Enjoy the journey—invest wisely and live fully.

VISO: The Platform for Financial Clarity

VISO helps investors cancel the noise and stay focused on their financial freedom. We don’t manage money—we empower better decisions. With a commitment to clarity, data-driven insights, and integrity, we ensure that your financial choices are made RIGHTFULLY.