What do you want to achieve?

Accumulate or spend wealth

Your preliminary risk profile is being estimated

Confirm your risk profile

Your previous answers allowed us to derive a first risk profile score

Your risk profile is a key input variable to our process. If you are not sure we recommend you make a more rigorous test.

Surplus return over cash (in 50% of time).

An ELEVATED risk score allows investors to enter strategies with high equity exposure while diversifying risks solely through bond investments. Such strategies typically generate high cash returns, but are also subject to the risk of significant losses during market downturns, averaging around 30%.

Maximum loss since 1980 across countries.

Average loss during severe market corrections.

Elevated

A HIGH risk score allows investors to enter pure equity investment strategies to maximize long-term wealth growth. Such strategies exhibit the highest returns versus cash but are also subject to the highest market volatility, with risks of significant losses in market downturns averaging around 40%.

High

A LOW risk score allows investors to engage in limited equity exposure strategies, giving a greater emphasis to wealth preservation through cash and bonds. Such strategies typically exhibit low excess returns over cash, but significantly reduce downside risk in market downturns to around 5% on average.

A MEDIUM risk score allows investors to enter balanced equity-bond cash portfolios that diversify the best upside returns and downside risks. Such strategies typically generate solid returns versus cash while reducing the risk of significant losses during market downturns to around 20% on average.

Medium

A MODERATE risk score allows investors to adopt strategies with low equity exposure and to give more weight to diversification across bonds and cash. Such strategies typically retain some return potential versus cash, but reduce downside risk to around 10% on average in market downturns.

Moderate

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Plan your retirement

Tell us about your investment goal

Choose your investment

Tell us about your financial obligation

Choose among alternatives

The minimum age to use the "already retired" option is 45. If you are a crypto-billionaire or play professional football, please contact us for individual solutions!

Is the mortgage amortizing or non-amortizing?

Choose among options

Invest for family security

Invest in your home

Invest for the long-run

Invest for future spending

We recommend you select a contribution frequency that minimizes transaction costs. You should not re-invest if you funds are short of 500 CHF/EUR/USD. If you plan to invest e.g. 250 CHF monthly we rather suggest to invest 750 CHF quarterly.

Some hints as guidance

Buy a home

Define your investment mission statement

Investing for charity

Invest for child education

Invest for future consumer spending

Setting up an annuity fund or trust

Invest for health expenses

Invest for future holidays and leisure

Investing for the long-term with target

Other plans to sleep better

Other plans for your home

Other things to enjoy in the future

Refurnish a home

Renovate a home

Planning a financial safety net

Invest for future vehicle purchase

Goal-based investing requires to prioritize

The minimum age for this option is 45. If you are a crypto-billionaire or play professional football, please contact us for individual solutions!

The riskiness/uncertainty of your income is an important part of our “life cycle” portfolio approach and predominantly influenced by the sector you work in. By knowing the source of your income, we can treat it as an asset (human capital) when driving your optimal investment strategy.

Why is this question asked?

We ask for your income range and the amount of household savings to derive a risk tolerance score, that is part of the regulatory suitability analysis. These two elements help us to gauge your risk capacity and form the basis for the “Risk Tolerance” test.

 The riskiness/uncertainty of your income is an important part of our “life cycle” portfolio approach and predominantly influenced by the sector you work in. By knowing the source of your income, we can treat it as an asset (human capital) when driving your optimal investment strategy.

  We ask for your income range and the amount of household savings to derive a risk tolerance score, that is part of the regulatory suitability analysis. These two elements help us to gauge your risk capacity and form the basis for the “Risk Tolerance” test.

Why is this quesion asked?

Information that help us to fit better our proposals

Tell us about yourself

Three last questions to identify your risk tolerance

Are you a risk taker or a careful investor… help us to figure it out

Describes an investor who weighs up return prospects and risks equally against each other. For such an investor, fluctuations in stock value must be adequately mitigated by investing in government bonds and cash.

Balanced

Describes an investor who attaches great importance to capital preservation. For such an investor, risk concerns dominate the decision-making process. In extreme cases, such an investor is even willing to accept no or negative returns just to avoid being exposed to market fluctuations.

Loss avoidance is key

Describes an investor who prioritizes capital preservation over capital growth. The prospect of return plays a lesser role in such an investor's decision-making process. While some equity risk is accepted, significant investments in government bonds or cash mitigate risk.

Moderate Growth

Describes an investor primarily focused on maximizing long-term wealth growth. Risk plays a lesser role in such an investor's decision-making process, although some risk mitigation by investing in government bonds is used to cushion spikes in uncertainty.

Steady Growth

Describes an investor who is solely focused on maximizing long-term wealth growth. Risk does not affect the decision-making process of such an investor who is willing to accept large fluctuations in portfolio assets just to remain invested in the markets.

Very Ambitious

Last question to identify your risk tolerance

Loan target mismatch

Loan

Investment capital range

Target capital limits

Minimum contribution

Starting capital range

Mortgage target mismatch

Mortgage

Pillar 1 is outside the plausibility limit

Pillar 2 is outside the day-pass limit

Pillar 2 is outside the plausibility limit

Pillar 3 is outside the day-pass limit

Pillar 3 is outside the plausibility limit

Starting capital

Debt

Annuity

Please check your inputs

Complete our goal-based investment questionnaire to identify your financial priorities and craft a tailored investing plan.