Article Sep 24, 2026

In or Out? Optimizing Your Core Operating Environment

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The ideal investment management firm would be 10-20 people in a room making and executing investment decisions, and a couple folks outside the door answering the phones.

So said my former boss and mentor, Bill Gross, at some point during PIMCO’s early years; or so the lore goes at least.

Tales and quotes that may or may not be true have a habit of attaching themselves to legends, and I for one cannot confirm the above as factual and properly attributed (although I do have to admit it sounds exactly like something he’d say). However, what I can confirm is this: the ability for a small and motivated group of individuals to create exactly such an entity has never been more realizable than it is today.

The Recipe

Take one-part standard technology platform outsourcing, mix with two-parts data licenses, shake with a purposeful vendor management oversight initiative, pour into a proper control environment and serve with distribution agreements, and the ideal vision expressed above can almost be realized. Not quite, but almost … let’s call it 90% in general. If, however, your focus is on launching an ETF business, you can move the needle closer to 99%. TAMPs, white-label solutions and the expansion in turn-key services being offered as recent regulatory changes hit the production line have allowed almost any ambitious investor the ability to package and launch their ideas in a way and within a timeframe that the industry has simply never seen before.

Whether or not this “fully outsourced” model makes sense for any particular firm is not the point of this note; neither is the question of whether or not a fully in-sourced version makes sense. Rather, the focus of this note is the reality that most investment management firms are currently living some version of both realities, while simultaneously working to determine what reality will suit them best over the next 3-5 years. In other words, you’re not alone. This isn’t about either/or, and it’s not about following the herd; it’s about the need for each individual firm to optimize a number of key strategic options across your core operating environment, in a controlled manner, and in a way that is accretive to your investment processes and ensures delivery of the high-quality service that you and your firm deliver to your clients.

At Cutter, we have the unbelievable opportunity to engage with leaders of some of the world’s premier investment firms and discuss these matters on a daily basis. Whether large, global and multi-asset, or smaller, regional and more focused, every investment manager we speak to is currently grappling with one version or another of this dilemma; as we help these firms navigate and solve these challenges, we see some consistent themes worth noting:

  • You can outsource the activity, but not the accountability
  • No amount of AI or technology overlay can truly compensate for a lack of proper data governance
  • A small amount of underlying structure and governance goes a very long way
  • Do The Work: Define, Assign, Standardize, Monitor, Report, Learn, Adjust
  • Controls & Oversight = Everything

While Mr. Gross’ version of the ideal firm is now somewhat possible, and as some firms actively attempt to create it, we believe the majority of investment managers will continue to deal with a hybrid reality and will increasingly look to reorient how they optimize this structure to align with their strategic priorities. Furthermore, we believe that this optimization approach and the analysis that drives it, rather than a focus on insourcing vs. outsourcing specifically, is what ultimately leads to superior outcomes and drives growth.

How Can We Help?

Cutter Associates serves the operational and technology needs of the global asset and wealth management industry. We have helped some of the largest investment management firms around the world achieve business value from every process, realize strategic opportunities, keep pace with the competition, and stay ahead of the technology curve.

Whatever your challenge, we can work with you to have a lasting impact ─ enabling your growth strategy for years to come.

Experience our full spectrum of solutions ─ insights, strategy, and execution. Contact us at [email protected] to learn more.

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