Most of us have a difficult enough time managing our personal investments, but at least we know we are completely free to change the direction of these portfolios at any time. In contrast, insurers not only have to contend with trying to get the best return in a volatile market, but also must deal with restrictions on their investments imposed by government regulations, measurements of rating organizations, and marketplace comparisons with their peers.

Addressing these restrictions affects not only insurers investment management strategyfrom in-house managed, to consultant guided, to completely outsourcedbut also the types of decisions they make about the investment management technology they buy or build.

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