Wealth Management

OUR PHILOSOPHY

“Wealth Management is not a casino”. For us, wealth management is a serious business. The future is by definition uncertain but devising an investment strategy and choosing the investment instruments is anything but a matter of chance.

CHOOSING AN INVESTMENT STRATEGY

The process begins with an understanding of the client’s objectives. This is one of the most important stages: sensitivity to risk, risk-taking capacity, expected return, time horizon, tax aspects.

DEVELOPING AN INVESTMENT STRATEGY

We are convinced that 80% of performance lies in the right asset allocation. The remaining 20% will be achieved through the choice of investment instruments (selection of bonds, equities, investment funds, structured products, etc.).

Based on the information gathered from the client, we work with him to define the “neutral” investment strategy, i.e. the long-term course to be followed in order to achieve the investment objectives (SAA Strategic Asset Allocation).

Depending on the economic situation and market events, the investment strategy may deviate from the SAA, with certain financial assets being over- or underweighted (TAA Tactical Asset Allocation).

The choice of investment instruments is also very important. Our independence allows us to choose financial instruments from all the players involved, without constraints or conflicts of interest. This selection will be based on the following key words: “diversification”, “common sense” and “liquidity”. We will take particular care to choose investments with the best costs/performance.

INFORMATION AND REVIEW OF THE INVESTMENT STRATEGY

We keep you regularly informed about the performance of your investments. The strategy is also regularly reviewed with you to ensure that it continues to meet your current needs and expectations.