Risk and return are strongly correlated. Increasing your expected returns by choosing between asset classes can only be done at the price of accepting additional risks. Once we have established a clear picture of your investment wishes with regard to risk and return, together we can work out an optimal investment strategy.

We therefore need an answer to a number of questions first:

• How much of your wealth are you prepared to use for investments? 
• When will you need your money? 
• How much would you need by then? 
• How experienced an investor are you? 
• How much provisional capital depreciation do you consider acceptable?

Your needs and aspirations are the starting point of our service. Together we design a personal wealth and investment plan based on your wishes and views.

We match your investment needs to the investment profiles we have defined. This comes down to selecting different asset classes and regions and combining these in your personal investment portfolio.

Once your wealth needs and your investment profile have been determined, the actual portfolio building process can begin.

The portfolio will contain traditional investments such as equities and bonds, but we also recommend including structured products, derivatives and other alternative investments.

Alternatives, such as hedge funds, real estate and private equity, tend to show a low correlation with equity and fixed income markets. By including alternative investments in portfolios, we try to reduce the total risk and enhance the expected returns over the long term.

Other elements to be considered are the regional allocation, the currency allocation and the duration policy.

You decide on the management services that suit you best

You can take responsibility for assembling your investment portfolio and initiating the transactions. In that case we facilitate your wishes by buying or selling investment instruments for your portfolio, but we can offer a much broader service if you so wish.

With advisory management, your personal advisor contacts you each time market developments call for a portfolio adjustment. He puts forward investment proposals or suggestions for possible amendments to your asset allocation, in accordance with your wealth requirements and investment profile. You alone make the decision as to whether or not you take up the manager's suggestions.

You benefit from versatile expertise and a wide range of innovative solutions, while deciding with full knowledge of the facts.

With a discretionary management contract, you delegate the management of your portfolio entirely to professional investment managers. Portfolio decisions are made in accordance with your defined investment profile.

To manage your portfolio as effectively as possible and give the soundest advice, your personal advisor can choose from a wide range of financial products.

With discretionary management, you benefit from our specialists' expertise with none of the hassle of day-to-day monitoring