Investment Office: the book of record for family and investment offices
Every holding, every movement of cash and every decision, for every beneficiary and custodian, in one system. Valued daily, tested against your mandate and reported in English or Arabic.
In short
ZagTrader Investment Office is the book of record a family office or investment office runs from. It brings every beneficiary's holdings across custodians into one book, puts four-eyes approval on every trade and payment, values the book daily, tests it against your investment mandate and issues statements in English or Arabic.
- Built for
- Single and multi-family offices, investment offices and holding companies
- Covers
- Equities, ETFs, funds, bonds, sukuk, fixed deposits, structured and FX-linked notes, and cash
- Runs
- As its own product on the ZagTrader platform, with one login
What a family office CIO gets
The six questions every principal asks, answered from one book.
One family book across every custodian
Every beneficiary, portfolio and custody account in one base currency, with cash and holdings by custodian and a consolidated family view.
See the detailsFour eyes on every decision
Trades above your threshold, every payment out, transfer, corporate action, mandate limit and price sheet wait for a second manager, in one approvals inbox.
See the detailsMandate limits that warn before a breach
Sharia share, currency, issuer, country, unrated and liquidity limits are tested live. The trade ticket warns first; breaches carry deadlines and two-manager waivers.
See the detailsDaily valuation and true returns
A valuation frozen per beneficiary per day, restated automatically when a back-dated booking lands, with time- and money-weighted returns against your target.
See the detailsThe CIO Cockpit
Value bridge, allocation against policy, concentrations, liquidity ladder, stress tests and decisions waiting, printable as an investment committee pack.
See the detailsStatements the family reads
Numbered statements in English or Arabic, issued on a schedule, frozen exactly as issued and e-mailed as password-protected PDFs.
See the detailsSee the Investment Office
Real screens from the product.
How it works
From your starting position to the statement the family reads.
- 1
Load your starting position
Bring holdings and cash in from a template, checked row by row, reconciled to your trial balance and approved before anything books.
- 2
Record trades and allocations
Enter or import trades, and split one broker fill across beneficiaries and custodians with the right average cost for each.
- 3
Every movement reaches the ledger
Trades, income, maturities, fees, transfers and corporate actions post through one ledger to double-entry accounting. Corrections are reversals, never deletions.
- 4
Value the book every day
Prices and rates arrive from the platform feed or approved manual sheets. Unusual moves are held for review before they reach the valuation.
- 5
Test it against the mandate
Limits are checked daily and before each trade. Breaches go to a register with deadlines, acknowledgements and waivers.
- 6
Report to the family and the committee
Issue statements, run scheduled report packs and print the committee pack from the same frozen figures.
Everything inside the Investment Office
The full capability set, in plain language.
| Capability | What you get |
|---|---|
| Beneficiaries and portfolios | Investors with full profiles, client relationships, portfolios with dated ownership, and custody accounts at each custodian bank. |
| Instruments | Shares, ETFs, fund units, bonds, sukuk, fixed deposits, structured notes and FX-linked notes, with coupon, call and put, and rate-reset schedules, and accrued interest explained line by line. |
| Trading and approvals | Trade entry with validation, pricing, costs and accrued interest; a trade register; maker-checker with return, resubmit and cancel; trade import from a file. |
| Block allocations | One broker fill split across beneficiaries and custodians, with per-custodian average cost and four-eyes approval. |
| Settlement | Settlement events, settlement dates by market (T+N), confirmation and clearing. |
| Cash, funding and transfers | Contributions, capital calls, withdrawals and distributions; cash and securities transfers between custodians with currency conversion and bank charges; earmarks on cash and units. |
| Income and maturities | Coupons, sukuk profit and dividends, with entitlement at the ex-date, plus bond and sukuk redemptions at maturity. |
| Fixed deposits | Placement, daily accrual, maturity and early redemption, with reconciliation checks. |
| Corporate actions | Splits, bonus shares, stock dividends, return of capital, mergers, conversions, spin-offs, rights issues with elections and excess applications, tender offers, dividend reinvestment, name and ISIN changes, and exchange offers. |
| Custody fees | Fee terms per custodian and beneficiary, a daily holdings snapshot, and calculation, accrual and settlement of the fee. |
| Accounting | Double-entry ledger, charts of accounts, fiscal calendars, journal entries and journal import, trial balance, general ledger, balance sheet, income statement and period end. |
| Valuation and performance | Daily valuation snapshots, history import and rebuild, a NAV restatement register, time- and money-weighted returns, target return, and NAV history. |
| Risk and stress tests | Largest position, issuer and country, unrated and Sharia share, interest rates plus or minus 100 bp, currencies plus or minus 10%, and default of the largest issuer. |
| Liquidity | Settled cash per custody account, a cash ladder per currency, every dated flow behind it, and what holdings could raise within 7, 30 and 90 days. |
| Reports | Asset Summary, Holdings, Allocation, Fixed Income Analysis with duration and DV01, scheduled report packs, and report templates with your office name on the cover. |
| Control and audit | Roles for administrators, portfolio managers, operators and viewers; a complete audit trail; System Health and Integrations screens. |
Frequently asked questions
Is the Investment Office a separate product?
Yes. It is its own application on the ZagTrader platform, with its own ledger, reference data and screens. Your team signs in with the same ZagTrader login and permissions.
Can it consolidate holdings held at several banks?
Yes. Each beneficiary holds custody accounts at as many custodians as you use. Reports show holdings and cash by custodian and a consolidated family book in your base currency.
How are bonds, sukuk and fixed deposits valued?
Bonds and sukuk at clean price plus accrued coupon or profit, fixed deposits at principal plus accrued interest, and every currency at its dated exchange rate. A missing rate is named, never assumed.
What happens when a back-dated trade is booked?
Every affected valuation day is restated automatically and recorded in the restatement register with the old and new NAV, so returns and statements always reflect the corrected book.
Can statements be issued in Arabic?
Yes. Each beneficiary receives statements in English or Arabic. Statements are numbered without gaps, frozen as issued, and can be e-mailed as password-protected PDFs on a schedule.
How do we move our existing book onto it?
The Opening Load brings in your starting position from a template, reconciles it to your trial balance and books it after approval. A history import adds past prices, rates and cash movements so performance starts from your real history.
See the Investment Office on your own book
We will walk you through a family book from opening load to the committee pack.
100+ institutions run on ZagTrader technology, with $500B+ in client assets on the platform
Institutions that run on ZagTrader technology
