THE INVESTMENT CONCEPT 

In the very beginning of our business relationship we jointly establish an investment concept that meets your individual requirements. It contains your risk profile and defines your return expectations as well as the investment horizon, taking into account fiscal aspects.

On this sound basis we take the most promising investment decisions. The spectre goes from the conservative bond portfolio to the intensely monitored shares mandate. In the selection process we favour the so-called Top-down Method: we initially decide on the proportion of shares in your portfolio according to your risk profile, follow up by an evaluation of the general economic environment, the industries, the distinct business sectors, and finally we make a selec-tion of individual securities. With this proven procedure we can guarantee that the desired investment concept will be fully respected.

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