Long-term asset planning
How you plan your wealth on a long-term basis with us – How you find your individual and reliable investment strategy with us
A crucial point of departure for a long-term collaboration based on trust and mutual frankness is the definition of the investment profile and the reference currency.
Investment profile
In a counseling interview, we will deal in great depth with your investment horizon against the backdrop of the balance you desire between security interests and sustainable yield expectations. Your readiness to assume risk, and any and all consequences arising from it that are foreseeable, are some of the subjects that will be under discussion.
Owing to our many decades of experience on the international financial markets, we are capable of offering you a portfolio that is ideally suited to your requirements at any time.
Roughly we differentiate between five alternative investment profiles:
only bonds (fixed-interest securities)
conservative portfolio (25 percent stocks)
balanced portfolio (50 percent stocks)
dynamic portfolio (75 percent stocks)
and only stocks.
Given normal market conditions, the investment policy devised by us for you is aligned to your readiness to assume risk and capacity to bear risk, as well as your investment horizon.
Use our Asserta asset analysis here:
Coming soon:
Within the scope of our asset analysis at no charge, an assessment of the overall asset situation will be prepared as a first step (for example):
securities (stocks, bonds, bank notes and so forth)
bank checking accounts and postal checking accounts
Subsequently, a classification according to
short-term to long-term availability
financial risk of the individual investments
yield expectations
is completed.
Your assets then will be harmonized with one another and presented, alternately with the risk classification, in a clear arrangement.
Reference currency
The investment or reference currency is the currency in which one thinks. Hence the following question plays a role: “In which currency environment am I going to spend the next 10 to 20 years?”
The risk is not only defined by the higher proportion of stocks but also by the proportion of foreign currencies. In a bond portfolio, only fixed-interest securities should be purchased in the investment currency.
This strategy hedges the investor to the greatest possible extent against currency fluctuations; he gains the greatest possible security against risks that could occur through international currency speculation:
Should he be located in Switzerland, he can have his assets that are invested in Swiss francs at his disposal; should he be staying in the United States, his investment will be available to him in U.S. dollars—i.e. in the national currency.
