WHAT WE DO
Investment Services
Our investment philosophy
At the heart of our investment philosophy is a commitment to building portfolios that align with our clients’ unique financial goals, prioritising their interests above all else. Our approach is guided by three foundational principles: Diversification, Independence, and Consistency. The approach of our institution, the relentless client focus, and our unique setup allows us to provide the best performance for our clients while keeping to their preferences and needs.
Diversification
Balancing risk and return through allocation across diverse asset classes and financial markets.
Diversification
We believe that effective diversification is essential for achieving long-term financial success. This is why we carefully diversify both within and across asset classes. By combining a wide array of financial instruments, we strive to minimise risk whilst maintaining the expected reward, aiming for optimal risk-adjusted performance under varying market conditions. Our strategy incorporates:
- Active asset allocation: We dynamically adjust our portfolio exposure to capitalise on market opportunities while managing potential risks.
- Core/satellite strategy: Our portfolios maintain a core of passive investments to provide stability and cost-efficiency, complemented by satellite positions in actively managed investments that seek to enhance returns.
Independence
Independence forms the backbone of our client-centric model and it ensures that our decisions are driven solely by what serves the best interests of our clients:
- Client-centric focus: The interests of our clients remain at the centre of our decision-making process, ensuring their objectives and risk profiles guide our strategies.
- Bespoke portfolios: Every portfolio we create is tailored, avoiding the constraints of single-line portfolio funds. This allows for a more personalised, adaptable investment plan.
- Open architecture: We have the freedom to source the best solutions from a broad range of product providers, ensuring access to high-quality investment options without limitations.
- Transparent Fees: Our fee structure is fully transparent, and has no hidden charges. The same fees are applied to all mandates, eliminating any financial incentive so clients can trust that our recommendations are completely impartial.
- No retrocessions: We do not pay and do not accept any form of compensation payments.
Consistency
We strive for consistent, long-term value creation through a disciplined investment approach that emphasises stability and sustainability:
- Long-term perspective: Our investment horizon is long-term and our investment returns benchmarked against relevant indices to track performance and ensure alignment with client expectations.
- Safety & stability: We focus on investments that are liquid, thoroughly researched, and well-understood to maintain a level of safety and stability in the portfolio.
- Commitment to familiar assets: We prioritise investments within our areas of expertise, ensuring that all positions in the portfolio are sound and resilient.
Our philosophy is designed to offer peace of mind and long-term growth by integrating these principles into every aspect of our investment process. This disciplined and transparent approach allows us to build enduring relationships with our clients, ensuring their financial well-being remains at the forefront of all we do.
Our investment process
Our investment process blends a deep client understanding with disciplined implementation. From initial conversation to trade execution, each step reflects our commitment to bespoke service and long-term growth.
Investment mandates
We offer three mandate types to suit your preferences. They range from full discretion to hands-on decision-making. Each mandate reflects our disciplined process, effective delivery and commitment to long-term relationships.
Degree of delegation to Turicum
Execution only
For experienced investors who want direct access and control.
A self-directed mandate offering trading access. No investment advice or portfolio management is provided by the Bank. It is suitable for clients with a good understanding of financial markets and appropriate regulatory knowledge.
Advisory
Collaborative guidance with decision-making flexibility.
Clients retain full decision-making authority over their financial investments. We provide investment recommendations based on market analysis, our economic views and our own model portfolios.
Discretionary
Fully managed, tailor-made investment portfolio service.
A personalised mandate. We manage the client’s portfolio on their behalf, aligned to their investment strategy and preferences. Portfolios are built on model frameworks and fully reflect your exclusions, expectations and objectives.
Ready to begin your journey with us?
Let’s build your tailored investment strategy together
