Individual Investment Strategy
A tailor-made strategy for your goals
Every investor needs their own strategy
There is no 'best' investment strategy – only the right one for you. This depends on your goals, your time horizon, your risk tolerance and your life situation.
We develop a strategy that suits you and that you can stick with in the long run – even in turbulent market phases.
Your benefits at a glance
Clear direction
Strategy precisely aligned with your goals
Optimal asset allocation
Scientifically grounded asset distribution
Return optimisation
Maximum return at your risk level
Risk management
Diversification across asset classes and regions
Time horizon taken into account
Adapted to short, medium and long-term goals
Transparent costs
Focus on cost-efficient implementation
In-depth knowledge
Asset allocation: the foundation
The distribution of assets (asset allocation) between equities, bonds and other asset classes explains over 90% of portfolio returns.
A typical allocation by risk profile: - Defensive: 20% equities, 70% bonds, 10% cash - Balanced: 50% equities, 40% bonds, 10% other - Dynamic: 80% equities, 15% bonds, 5% other
Equity allocation by life stage
A rule of thumb: 100 minus age = equity allocation. A 30-year-old could hold 70% equities, a 60-year-old only 40%.
This rule is a starting point. Individual factors such as income, liabilities and goals can lead to deviations.
Geographic diversification
An optimal equity portfolio is globally diversified. Typical allocation: - USA: 55-60% (largest market) - Europe: 15-20% - Emerging markets: 10-15% - Switzerland: 5-10% (a home bias makes sense for CHF investors) - Other regions: 5-10%
Types of strategy at a glance
Buy-and-hold: buy and hold for the long term, minimal trades. Ideal for private investors.
Core-satellite: a core of broadly diversified ETFs, complemented by individual stocks or thematic funds.
Dynamic: active adjustment of the asset allocation based on market valuations.
Avoid common mistakes
These are the mistakes we see most often in practice
Constantly changing your strategy
Chopping and changing empties your pockets – transaction costs and missed returns.
Relying only on Swiss equities
Home bias reduces diversification and return potential.
Chasing past returns
What performed well last year doesn't have to work this year.
No rebalancing
The portfolio drifts away from the target allocation, and risks increase.
Checklist: your next steps
What you can do right now
Frequently asked questions about Individual Investment Strategy
Answers to the most important questions
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