Investment Strategies

Apart from a well-founded investment and consultation process, to participate successfully in various forms of investments requires access to a wide variety of products and services. The diagrams presented below refer to the six traditional asset allocation strategies, and show an example within each strategy. Alternative investments, such as gold, can be added.

Fixed income
Income
Yield
Balanced
Growth
Equities

Investment strategy: Fixed interest rate

very conservative

Risk propensity	Risk profile and investment objective	Proposed investment strategy	Asset allocation (normal fluctuation margins)
minimal	Client reluctant towards risks No avoidable risk for client’s assets (secure investment) Change in interest rates may lead tofluctuations in price	Fixed interest rate (very conservative) Asset Preservation Constant revenue through interests	Money Market: 0-20% Bonds: 80-100% Alternative Investments: variable Holding period: Min:. 2 years

Investment strategy: Income

conservative

Risk propensity	Risk profile and investment objective	Proposed investment strategy	Asset allocation (normal fluctuation margins)
little	Customer is more risk-averse Limited risk to achieve increased return on assets from a long term point of view Interest rate change can lead to price fluctuation	Income (conservative) Long-term real asset preservation with small price fluctuations Regular income from interest received is optimized through dividends and capital gains	Money Market: 0-20% Bonds: 68-88% Stocks: 4-20% Alternative Investments: variable Holding period: Min:. 2 years

Investment strategy: Return on investment

moderate

Risk propensity	Risk profile and investment objective	Proposed investment strategy	Asset allocation (normal fluctuation margins)
modest	Customer is cautious about risks Calculable risk to generate long-term additional income from capital gains Interest rate change can lead to Course fluctuation	Return (moderate) Return-oriented portfolio for long-term real asset growth with moderate price fluctuations Primary sources of income through interest and dividend receipts, supplemented by capital gains	Money Market: 0-20% Bonds: 55-75% Stocks: 15-35% Alternative Investments: variable Holding period: Min:. 4 years

Investment strategy: Balanced

liberal

Risk propensity	Risk profile and investment objective	Proposed investment strategy	Asset allocation (normal fluctuation margins)
average	Customer perceives risk as an opportunity Attractive income seen from a long term perspective	Balanced portfolio Long-term real asset growth Price fluctuations possible Income from interest and dividend receipts and capital gains	Money Market: 0-20% Bonds: 30-60% Stocks: 35-65% Alternative Investments: variable Holding period: Min:. 6 years

Investment strategy: Growth

dynamic

Risk propensity	Risk profile and investment objective	Proposed investment strategy	Asset allocation (normal fluctuation margins)
increased	Customer wants to participate in the profit potential of the stock markets Short-term large price fluctuations possible	Growth (dynamic) Long-term view: significant real asset growth Bigger price fluctuations possible Income through capital gains, interest and dividend receipts	Money Market: 0-25% Bonds: 10-40% Stocks: 50-80% Alternative Investments: variable Holding period: Min:. 8 years

Investment strategy: Stocks

offensive

Risk propensity	Risk profile and investment objective	Proposed investment strategy	Asset allocation (normal fluctuation margins)
high	Customer is willing to take risks Long-term profit opportunities For long-term above-average returns Above average value fluctuations possible	Stocks (offensive) Most risky investment strategy Long-term, large real asset growth Predominantly equities (large fluctuations possible) Capital gains and foreign exchange movements are the main revenue	Money Market: 0-25% Bonds: 0-25% Stocks: 75-100% Alternative Investments: variable Holding period: Min:. 10 years

Investment Strategies

Retirement Planning

+423 388 01 50