Frequently asked questions

Etcho is a UK technology company. Our tools help financial advisers and investment managers deliver personalised, values-led investing at scale, bringing each client’s risk profile, financial goals and values together with intelligent technology.

Etcho works with financial advisers and investment managers. Investment managers use Etcho Mosaic to customise portfolios to each client. Advisers use Etcho Engage to understand what matters to their clients and evidence suitability, and can offer Etcho Portfolios, personalised portfolios managed by our investment management partners.

Mosaic is for investment managers. It turns your investment framework into portfolios customised to each client, within your existing models, approved investment lists and guardrails. It also helps you run models more efficiently, with connected platform workflows, monitoring and rebalancing.

Engage is a standalone tool for advisers. It profiles each client, compares portfolios (including their existing holdings) against what matters to them and produces values-based suitability reporting. It works with your existing investment propositions.

Portfolios gives advisers personalised, risk-adjusted portfolios managed by our investment management partners, with Etcho providing the personalisation technology. Engage and Portfolios can be used separately or together.

Etcho is the pronunciation of ‘tomorrow’ in the Ewe language, spoken in the Volta region of Ghana. The orange in our brand represents a sunset and sunrise.

Our profiler structures the client conversation. Alongside risk and financial goals, it captures each client’s worldview, values, sustainability preferences and the activities they want to reduce exposure to. Together these form a clear client mandate.

No. You keep your own investment approach, models, asset allocation and approved lists. Etcho is the customisation layer on top, applied within the guardrails you set.

No. Etcho’s personalisation is rules-based and AI-assisted, and it never makes autonomous decisions. Investment and advice decisions stay with the regulated professionals who use it.

We use independent data from specialist providers, looking through funds to their underlying holdings so you can see what each portfolio is actually exposed to.

Etcho connects with supported investment platforms, and we’re adding more. Get in touch to check whether yours is supported.

Etcho Limited is a technology provider and is not authorised or regulated by the Financial Conduct Authority. We do not provide financial advice or investment management services. Etcho is used by regulated financial advisers and investment managers, who remain responsible for the advice and investment services they provide to their clients.

Etcho doesn’t hold client money or give financial advice. Portfolios that use Etcho are managed by regulated investment managers and accessed through regulated firms.

Etcho is certified to ISO 27001, the international standard for information security. You can read how we handle personal data in our privacy and cookie policy.

You’ll get occasional updates from the Etcho team, with our latest thinking and invitations to events and conversations. We store your email securely and never sell it to third parties.

Book a chat with the team and we’ll walk you through how Etcho could work for your firm, or email us at info@etcho.io.