https://www.alpharayinsurance.com/blog daily 0.75 2021-12-30 https://www.alpharayinsurance.com/blog/finding-investment-mojo monthly 0.5 2020-07-01 https://images.squarespace-cdn.com/content/v1/5e66bff30a721c634c5ab280/1593558014267-AXTJ828NQXDE0E3XP54M/FRED-rqhj_1_high.png Blog - Finding P&C Investment Mojo after a Decade of Lost Income Low long-term interest rates are NOT a result of easy monetary policy https://www.alpharayinsurance.com/blog/get-alpha-forget-beta monthly 0.5 2020-07-01 https://images.squarespace-cdn.com/content/v1/5e66bff30a721c634c5ab280/1593555032801-LMTRLRNVNDFMVV8AX85S/M%26A_vs_S%26P_Correlation_1_high.png Blog - Event-Driven Investments: Get the Alpha, Forget the Beta Source: Historical data are from www.BarclayHedge.com and www.Multpl.com. Numbers are calculated based on monthly returns. https://www.alpharayinsurance.com/blog/capital-method-1 monthly 0.5 2021-01-12 https://images.squarespace-cdn.com/content/v1/5e66bff30a721c634c5ab280/1596663823330-2EMM0WUN5DYF7E4IWUGU/capital_method_fig2.jpg Blog - A Capital Method for Managing P&C Investment Portfolios Figure 2. More capital is needed to support stock investments https://images.squarespace-cdn.com/content/v1/5e66bff30a721c634c5ab280/1596730421877-G8OOJW1IUH7M9FTDK7EW/capital_method_fig1.jpg Blog - A Capital Method for Managing P&C Investment Portfolios Figure 1. Investment asset mix for State Farm and Travelers https://images.squarespace-cdn.com/content/v1/5e66bff30a721c634c5ab280/1597035014334-06BBFEE09K435EV3NZ2H/capital_method_fig3.jpg Blog - A Capital Method for Managing P&C Investment Portfolios Figure 3. Efficient capital allocation https://www.alpharayinsurance.com/blog/capital-method-2 monthly 0.5 2022-02-15 https://images.squarespace-cdn.com/content/v1/5e66bff30a721c634c5ab280/1634842834605-MJRWI38R2T23EAY926U2/high_cost_misallocation_1_table1.png Blog - The High Costs of Capital Misallocation - Make it stand out Table 1. In Low Interest Rate Era, Investment Portfolio Management is Essential https://images.squarespace-cdn.com/content/v1/5e66bff30a721c634c5ab280/1634843340201-CYZXCD75ZZ1RWBBPNA5E/high_cost_misallocation_1_fig1.png Blog - The High Costs of Capital Misallocation - Make it stand out Figure 1. Investment Leverage versus Stock Exposure https://images.squarespace-cdn.com/content/v1/5e66bff30a721c634c5ab280/1640888335968-MKXDAS77PA5XY8V2WBHJ/fred_10yr_vs_Moodys_bbb_graph_latest.png Blog - The High Costs of Capital Misallocation - Make it stand out Figure 2. Interest rates have been heading down, down, down… https://www.alpharayinsurance.com/blog/category/Capital+allocation monthly 0.5 https://www.alpharayinsurance.com/blog/category/Asset+allocation monthly 0.5 https://www.alpharayinsurance.com/blog/category/Monetary+policy monthly 0.5 https://www.alpharayinsurance.com/blog/category/Merger-arbitrage monthly 0.5 https://www.alpharayinsurance.com/blog/category/P%26C+Investment+strategy monthly 0.5 https://www.alpharayinsurance.com/blog/category/Event-driven monthly 0.5 https://www.alpharayinsurance.com/blog/category/Tender+offers monthly 0.5 https://www.alpharayinsurance.com/blog/category/Beta monthly 0.5 https://www.alpharayinsurance.com/blog/tag/P%26C+capital+advisory monthly 0.5 https://www.alpharayinsurance.com/blog/tag/P%26C+Insurance monthly 0.5 https://www.alpharayinsurance.com/blog/tag/Low-interest+rate monthly 0.5 https://www.alpharayinsurance.com/blog/tag/Investment+policy monthly 0.5 https://www.alpharayinsurance.com/blog/tag/Merger-arbitrage monthly 0.5 https://www.alpharayinsurance.com/blog/tag/M%26A monthly 0.5 https://www.alpharayinsurance.com/blog/tag/BCAR monthly 0.5 https://www.alpharayinsurance.com/blog/tag/Tender+offers monthly 0.5 https://www.alpharayinsurance.com/blog/tag/Beta monthly 0.5 https://www.alpharayinsurance.com/blog/tag/Capital+allocation monthly 0.5 https://www.alpharayinsurance.com/blog/tag/Investments monthly 0.5 https://www.alpharayinsurance.com/blog/tag/Financial+rating monthly 0.5 https://www.alpharayinsurance.com/blog/tag/Monetary+policy monthly 0.5 https://www.alpharayinsurance.com/blog/tag/Investment+mojo monthly 0.5 https://www.alpharayinsurance.com/blog/tag/Alpha monthly 0.5 https://www.alpharayinsurance.com/blog/tag/Event-driven+investing monthly 0.5 https://www.alpharayinsurance.com/blog/tag/Lost+Income monthly 0.5 https://www.alpharayinsurance.com/blog/tag/Investment monthly 0.5 https://www.alpharayinsurance.com/home daily 1.0 2021-10-27 https://images.squarespace-cdn.com/content/v1/5e66bff30a721c634c5ab280/1585851413377-G2B6Z9LB7PHV392S6KUG/smithsonian_matterhorn.jpg Alpharay Insurance Services - Investment Management Besides offering advice on optimal asset allocation strategies, we also specialize in managing client assets in-house. We have a consistent track record of delivering alpha through correlated and uncorrelated investment strategies. By utilizing a blend of fundamental research and quantitative analysis, we strive to provide sustainable, long-term growth of your capital. https://images.squarespace-cdn.com/content/v1/5e66bff30a721c634c5ab280/1587354214451-GDYF6Z2JY5MUL707KT6J/image-asset.jpeg Alpharay Insurance Services - Advisory Drawing upon our extensive financial services experience — each of our principals has over 20+ years of highly successful Wall Street experience — we have developed a cloud-based proprietary capital and portfolio allocation model for P&C companies. We calculate and update the Achievable Capital Efficiency Rating, or ACE Rating, for virtually all US P&C companies several times per year. If a company’s actual capital efficiency is lower than its ACE Rating, then the P&C company can improve its profitability by following our recommended capital allocation and portfolio management policy. Our analysis indicates that significant money — billions of dollars in aggregate — is left on the table by the US P&C industry by not allocating capital efficiently. Proactively positioning investment portfolios to handle the current low-rate environment while maintaining sound financial strength even under stressed market conditions can unlock tremendous shareholder & policyholder value. https://www.alpharayinsurance.com/investment-strategies daily 0.75 2020-04-24 https://images.squarespace-cdn.com/content/v1/5e66bff30a721c634c5ab280/1585955610582-DEJ00C2FF17HR15T5BM1/image-asset.jpeg Investment Strategies https://images.squarespace-cdn.com/content/v1/5e66bff30a721c634c5ab280/1585958343849-2GJRVZXLZWFPM0H3CILS/image-asset.jpeg Investment Strategies https://www.alpharayinsurance.com/what-we-do daily 0.75 2021-02-27 https://images.squarespace-cdn.com/content/v1/5e66bff30a721c634c5ab280/1587665112991-9WF3IJRJKCIYGVJSRD1U/Interest_Rate_Chart_Medium_3.png Advisory Source: US Department of Treasury https://images.squarespace-cdn.com/content/v1/5e66bff30a721c634c5ab280/1587663567715-96FRF59UACC8VNG64C6J/Coronavirus_SP500_7_DJ.png Advisory Not a fun time to raise capital depleted by investment loss https://www.alpharayinsurance.com/about-us daily 0.75 2020-09-21 https://images.squarespace-cdn.com/content/v1/5e66bff30a721c634c5ab280/1596752456728-7T7OMJIZU6RNXT75U68R/boon_profile_pic_2.png About Us https://images.squarespace-cdn.com/content/v1/5e66bff30a721c634c5ab280/1591388407036-20I3SN500ZZ2J8JUSBYG/Fernando+Tocqueville+Dinner.jpg About Us https://images.squarespace-cdn.com/content/v1/5e66bff30a721c634c5ab280/1590258215698-GIAQ9RFKZ0Y8FVYJUU90/Rajesh_lrca.jpg About Us https://www.alpharayinsurance.com/take-action daily 0.75 2020-05-24 https://www.alpharayinsurance.com/contact daily 0.75 2021-01-13