Simple Benchmark portfolios with defined levels of risk

Investing should be simple, transparent and meet defined goals. In order to make performance visible and create simple portfolios which you can easily invest into yourself, we introduce a set of five benchmark portfolios. You will be be able to follow our portfolios "A1" to "A5" in real-live.

Our portfolios are based on state-of-the-art, modern portfolio optimization, typically only available for wealthy clients, underlined by noble-prize academic research and years of practical experience. They are

• globally, well diversified across a broad range of asset classes
• spanning the full spectrum of low risk fixed income to higher risk equity investments
• build to match a well defined level of portfolio risk and
• build to optimize long-term investment returns for a given level of risk

Every investor has an individual attitude towards risk, and matching this risk-budget with the investment strategy is key. Here you can choose from five different categories and the respective portfolios "A1, 2, 3, 4 and 5", with A1 being the most conservative and A5 the most dynamic portfolio.

...providing a choice for any level of risk-attitude

Obviously, there are multiple ways of constructing risk-optimized portfolios. You will always find someone that can show you a better performing portfolio, over a chosen period of time, and most likely only over that specifically chosen period and not consistently over longer-term. But that is not the point!

Our objective is, to introduce these set of five simple, proven and efficient portfolios, such that

• you can follow their performance transparently, learn how they behave over time through various financial market cycles and hence get and understanding about their risk-return characteristics

• we define a benchmark that you can easily compare with. These portfolio will likely do what they have been designed for, i.e. perform well over the long-run for a given level of risk.

• they are useful as standard investable building blocks, both stand-alone or as part of your longer-term life-cycle management.

Our portfolios are regularly re-balanced to stay on track with the original asset allocation. They are build using the most cost-effective exchange-traded funds, ETFs.

“The individual investor should act consistently as an investor and not as a speculator.”  

Benjamin Graham

See how our globally diversified portfolios are build, investing across a broad range of asset classes, from sovereign bonds, credit and emerging market, equities, commodities, alternatives and currencies. Note that our portfolios are denominated in EUR (€) as base currency, and hence have been designed for European based investors.

Interested, then have a look here

Our portfolios are investable through ETFs and we can follow both their historical as well as their future performance transparently. Looking at historical performance over a longer-term investment horizon is not only interesting and illustrative, but also provides you with insight on how these portfolios behave during certain market scenarios and hence give you an idea about the level of risk you are taking and the respective return you can realistically expect.

Interested, then have a look here