This includes selecting the right asset classes, such as cash, Swiss and non-Swiss debt instruments and equities, and then deciding the weighting of each securities class within the portfolio. An effective portfolio structure will also reflect the investment targets and initial financial situation of the investor as well as future changes in income, expenditure, assets and liabilities. Sustained success requires a holistic approach that also takes account of tax issues and individual constraints.
Our primary focus is on the interests of our customers. Indeed, we protect those interests as we would our own. We only invest our own capital in investment products if we are convinced that they offer real additional value – both to our customers and to ourselves.