Top-of-mind portfolio

A strategic investment portfolio that anyone can build

The only benchmark for managing wealth is you. Ask what is the simplest but still broadly diversified portfolio that you can implement on your own. That’s your top-of-mind portfolio!

Cost efficient ETFs
Only few easy to execute investments
No unwarranted foreign exchange risk
No conflict of interest

With this approach we are able to reduce unnecessary costs associated with investing, allowing you to build your wealth on your own, without expensive management or trading fees.

Less is more

three core investment elements to start with

Reduced to the max

Building a well-diversified investment portfolio does not require a dozen assets. To the contrary, adding assets with poor or unstable performance history, like commodities or emerging market assets, only increases fees and trading costs, adding another barrier to accessing markets. We believe things can be done simpler and more effective.

Stocks, bonds & cash

= your top-of-mind portfolio

Holding wealth in a savings account means lending money to your bank. The interest rates received will depend on the quality of your bank and central bank policy rates. From an investment perspective this is the worst investment since you are not collecting any premium from capital markets. However, when combined with sovereign bonds and equities it allows you to control the maximum amount of risk you want to take for your investment.

Your compensation: usually close to zero after inflation
Your daily risk: no daily fluctuations but uncertainty about reinvestment possibilities
Can you lose all: usually your deposits are protected up to a certain limit
Exchange rate risk: no, you are holding cash in your home currency

What are the pros and cons of savings accounts?

Investing into sovereign bonds means lending money to the government. Such investments represent an important pillar of any investment strategy. Despite low returns, investments in sovereign debt serves as a risk mitigator, allowing you to spread the investment risk and smooth some of the market fluctuations.

Your compensation: for lending money over time, usually 7-10 years (term-premium)
Your daily risk: fluctuations in interest rates (higher interest rates mean lower bond prices and vice versa)
Can you lose all: no, sovereign debt is still considered default free for Switzerland, Germany (Euro), United Kingdom and the USA
Exchange rate risk: no, you are investing in your home market or on a hedged basis

What are the pros and cons of sovereign bonds?

To capture the so called term-premium in capital markets

Investing into domestic equities means giving money to private enterprises. Equity investments represent the highest return contributor in our top-of-mind portfolio. Given that you are facing the highest risk for your investment, you are also compensated the most.

Your compensation: for taking investment risk (equity-premium)
Your daily risk: daily fluctuations in stock markets (weakening economic sentiment leads to lower equity prices and vice versa)
Can you lose all: in theory yes, since companies can go bankrupt
Exchange rate risk: no, you are investing in your home market or on a hedged basis

What are the pros and cons of stocks?

To capture the so called equity-premium in capital markets

Select a top-of-mind portfolio

and compare with investment solutions of your choice

management fee

0.0%

0.5%

1.0%

1.5%

Start date:

End date:

Start capital:

Further contributions:

Contribution size:

Select your equity weight:Corresponding risk profile:

Important note: Past performance is no guarantee of future performance. The historical analysis provided here is for illustrative purposes only and can only partially illustrate the risk associated with an investment in the capital markets, which may result in the loss of your invested capital.