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Institutional investor

Swiss Mountains

«Recognize opportunities and avoid false risks»

Markets compensate investors for making capital available. Firms compete for investment capital, millions of investors compete for the best investment ideas and the most attractive returns. This competition drives financial markets toward meaningful prices.

Facts and figures

Capital markets function

Traditional asset managers want to outperform the market. They try to predict the future or profit from "mispricing" in the market. Most of the time, this search process is expensive and useless. Forecasts turn out to be mispredictions, hot stock tips turn out to be stock flops. Ultimately, different investment returns can be explained by differences in the risk taken - a challenge for any forecast. Fierce competition in capital markets means that investors receive higher returns only if they are willing to take higher risks.

How assets developed historically

Asset Returns nominal

Effect of inflation on asset returns

Asset Returns after inflation

Determine investment horizon 

The higher the proportion of shares in a portfolio and the more smaller and favorably valued companies it contains, the higher the fluctuation risk. This is the way to achieve the most attractive returns in the long term.

Strategy determines future success

Strategy development is the key to investment success. The financial science of the last 50 years has developed a powerful set of tools that shows those risks that are worth taking. It shows which risks yield regular returns and, just as important, which risks go uncompensated. Depending on life circumstances, investment goals and the ability to bear risk, portfolios with different compositions are ideal. Income-oriented strategies may be best served with the money market and annuities. Growth-oriented strategies with a mix of bonds and stocks. Capital growth with optimally combined equity portfolios.

Pyramid of risks

+ Small cap premium
+ Equity premium Equity premium
+ Default premium Default premium Default premium
+ Term premium Term premium Term premium Term premium
Real risk free interest rate Real risk free interest rate Real risk free interest rate Real risk free interest rate Real risk free interest rate
Expected Inflation Expected Inflation Expected Inflation Expected Inflation Expected Inflation
Money Market
(T-Bills, Short Term riskless rate)
Government Bonds Corporate Bonds Equities large cap.
(DAX, SMI, S&P 500)
Equities small cap.
(Russell 2000)

Consider individual needs and circumstances

The price movements of asset categories differ from each other. An optimal composition of asset classes therefore takes into account personal tolerance for risk, individual goals and life circumstances.


«Demonstrate patience and harvest yields»

The diversity in the capital market makes it difficult to keep track of: There are thousands of stocks and bonds in Germany and abroad. Those who have an overview can offer investors the composition of investment categories that is optimized with regard to their individual financial situation.

Investment calculator

Initial payment
Payment frequencyMonthly
Regular payments
Investment period
Annual increase
Inflation rate1 %

You have invested:

Value of your investment:

Value of your investment (inflation-adjusted):

Fonds im Fokus

Global Institutional Equity Fund

The Global Institutional Equity Fund invests in equities worldwide. It is actively managed, takes into account the principles of risk diversification and is geared to long-term capital appreciation.

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Gold Fund Sustainable

The Gold Fund Sustainable reflects the performance of gold over the long term. The investment fund invests in certified gold bars made from sustainably produced gold, with custody in Switzerland. It is suitable for investors who wish to invest part of their assets in the precious metal gold and for whom sustainability and compliance with all laws protecting people and the environment are important.

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Equity Switzerland Index Plus

The fund tracks the return and, in particular, the risk characteristics of the Swiss equity market (SPI) while profitably exploiting many temporary imbalances. By means of a systematic and empirically validated selection process, stocks with higher expected returns are overweighted and stocks with lower expected returns are underweighted in a controlled manner compared to the SPI index.

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