Investment philosophy

Investment profiles

Interest Income

  • Willingness to take risk, invest­ment hori­zon
    Low, 3 years
  • Investment objec­tive
    Maintenance of capi­tal, regu­lar income, swift dispo­sa­bi­lity
     
  • Money market
    Strategy:10%
    Range:0% – 45%
  • Bonds
    Strategy:80%
    Range:55% – 100%
  • Equity
    Strategy:0%
    Range: 0% – 0%
  • Alternative invest­ments
    Strategy:10%
    Range: 0% – 20%

Conservative

  • Willingness to take risk, invest­ment hori­zon
    Moderate, 5 years
  • Investment objec­tive
    Maintenance of capi­tal in real terms, regu­lar income, average dispo­sa­bi­lity
  • Money market
    Strategy:10%
    Range:0% – 50%
  • Bonds
    Strategy:55%
    Range:35% – 85%
  • Equity
    Strategy:25%
    Range: 15% – 35%
  • Alternative invest­ments
    Strategy:10%
    Range: 0% – 20%

Balanced

  • Willingness to take risk, invest­ment hori­zon
    Increased, 7 years
  • Investment objec­tive
    Maintenance and incre­ase of capi­tal in real terms, restric­ted liqui­dity needs
  • Money market
    Strategy:0%
    Range:0% – 50%
  • Bonds
    Strategy:45%
    Range:25% – 65%
  • Equity
    Strategy:45%
    Range: 25% – 65%
  • Alternative invest­ments
    Strategy:10%
    Range: 0% – 20%

Growth

  • Willingness to take risk, invest­ment hori­zon
    High, 10 years
  • Investment objec­tive
    Long-term capi­tal growth, minor liqui­dity needs
     
  • Money market
    Strategy:0%
    Range:0% – 55%
  • Bonds
    Strategy:25%
    Range:0% – 50%
  • Equity
    Strategy:65%
    Range: 45% – 85%
  • Alternative invest­ments
    Strategy:10%
    Range: 0% – 20%

Equity

  • Willingness to take risk, invest­ment hori­zon
    Very high, 15 years
  • Investment objec­tive
    Significant long-term capi­tal growth, margi­nal liqui­dity needs
     
  • Money market
    Strategy:0%
    Range:0% – 35%
  • Bonds
    Strategy:0%
    Range:0% – 20%
  • Equity
    Strategy:100%
    Range: 65% – 100%
  • Alternative invest­ments
    Strategy:0%
    Range: 0% – 20%
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