Investment philosophy

  • We combine tradi­tio­nal port­fo­lio manage­ment with perma­nent risk management.
  • Our decis­i­ons revolve around your target returns, liqui­dity requi­re­ments and risk appetite.
  • Active risk reduc­tion and conti­nuous risk control are always part of our deliberations.
  • Our invest­ment approach is based on a sound and relia­ble asset allo­ca­tion, supple­men­ted by a rigo­rous selec­tion of suita­ble investments.

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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