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We are there to help you choose a type of mandate and an asset-allocation strategy defined according to criteria specifically relevant to you, in terms of:
- investment objectives
- investment horizon
- risk tolerance
- reference currency
The investment process
The three categories of mandate we provide are:
Conventional mandates composed of fixed-income or money-market instruments, equities and other types of asset. A larger portion of the investments is allocated to conventional investment products than is the case with other types of mandate.
Alternative mandates composed of fixed- or variable-income instruments (money market, fiduciary investments), and alternative investments. This type of mandate is particularly suited to investors seeking a higher return than on money-market instruments. The share of the investment allocated to conventional investment products is defined on the basis of the investment profile selected and defined.
Reinvestment and Protector mandates.These mandates are composed of cash deposits or equivalent instruments, short-term, fixed-income instruments and guaranteed-capital structured products.
Long Term Investment Strategy
Based on your needs, your Wealth Manager will recommend a mandate with a specific Strategic Asset Allocation within our range of options.
Your Investment Objectives
It is important to have a clear long term objective regarding expected performance above the risk-free rate.
Your Investment Horizon
As a rule of thumb, the greater the desired return, the longer the appropriate investment horizon has to be.
Your Risk Tolerance
The degree to which you can accept potential price fluctuations, as well as your liquidity requirements, is vital in setting and assessing your long-term investment objectives. Higher returns can only be achieved at the cost of a higher degree of risk.
Your Base Currency
We offer portfolio management focused on either Euros or US dollars. Investments in other currencies represent a minor part of the portfolio, and are used to maximize returns in the base currency.