Security-oriented investment strategy

Value preservation is the priority

The goal of your investment strategy is focused on preserving your assets. Your assets will mainly be invested in fixed-interest securities. The proportion of equities in the strategy is limited, but it is still greater than zero in order to achieve a positive expected return.

This strategy mainly invests in Switzerland. Since the majority of investments are in Swiss francs, the currency risk is low. In an environment of significant interest-rate rises or general market turbulence, the return on your investment may be negative in individual years.

  • A maximum of 39% will be invested in equities
  • Focus on fixed-interest securities
  • Investment mainly in Switzerland
  • Predominantly in Swiss francs

Instruments

Liquidity
1%
Bonds
67%
Swiss corporate bonds
42.0%
Emerging market bonds
16.5%
High-yield bonds
8.3%
Equities
32%
Swiss equities
16.1%
European equities
3.2%
US equities
12.9%
Total
100%

Historical performance

The graphic shows the strategy’s historical performance with current investment instruments (taking into account product costs). If the current investment instruments do not have a sufficiently long history, an appropriate benchmark index was used instead (minus virtual product costs). The annual asset management fee of 0.55% is factored into the simulation. The annualised return is derived accordingly from the historical performance. Please note: historical performance is no guarantee of future performance.

Returns Max. equity share 10 years 5 years 3 years 1 year Current year
Security-oriented 39% 30.9% 9.7% 0.0% -0.8% -1.5%

Conservative investment strategy

Value growth with moderate risk

The goal of your investment strategy is focused on targeting continuous value growth. Similar proportions of the assets will be invested in fixed-interest securities and equities. This strategy strikes a balance between investing in Switzerland and investing abroad. Since the majority of investments are in Swiss francs, the currency risk is low. Certain investment risks are taken on in order to achieve higher return opportunities. In an environment of significant interest-rate rises or general market turbulence, the return on your investment may be negative in individual years.

  • A maximum of 55% is invested in equities
  • Balance of bonds and equities
  • Some two-thirds of investments are in Switzerland
  • Predominantly in Swiss francs, including investments abroad

Instruments

Liquidity
1%
Bonds
52%
Swiss corporate bonds
40.0%
Emerging market bonds
10.0%
High-yield bonds
2.0%
Equities
47%
Swiss equities
23.4%
European equities
5.2%
US equities
16.4%
Emerging markets equities
2.0%
Total
100%

Historical performance

The graphic shows the strategy’s historical performance with current investment instruments (taking into account product costs). If the current investment instruments do not have a sufficiently long history, an appropriate benchmark index was used instead (minus virtual product costs). The annual asset management fee of 0.55% is factored into the simulation. The annualised return is derived accordingly from the historical performance. Please note: historical performance is no guarantee of future performance.

Returns Max. equity share 10 years 5 years 3 years 1 year Current year
Conservative 55% 40.8% 15.8% 3.0% 1.0% -0.8%

Balanced investment strategy

Good balance between risk and return

The goal of this investment strategy is focused on increasing the assets. Investments are slightly overweight in equities. This strategy invests in equal amounts in Switzerland and abroad. Due to the proportion of investments in currencies other than the Swiss franc, the currency risk is moderate. Investors are aware that they are subjecting themselves to investment risks and fluctuations in value. In an environment of significant interest-rate rises or general market turbulence, the return on your investment may be negative in a number of years.

  • A maximum of 67% is invested in equities
  • Slight overweighting of equities
  • Some 40% of investments abroad
  • Approximately 70% of investments in Swiss francs, including those outside Switzerland

Instruments

Liquidity
1%
Bonds
40%
Swiss corporate bonds
28.0%
Emerging markets bonds
10.0%
High-yield bonds
2.0%
Equities
59%
Swiss equities
29.5%
European equities
10.0%
US equities
17.5%
Emerging markets equities
2.0%
Total
100%

Historical performance

The graphic shows the strategy’s historical performance with current investment instruments (taking into account product costs). If the current investment instruments do not have a sufficiently long history, an appropriate benchmark index was used instead (minus virtual product costs). The annual asset management fee of 0.55% is factored into the simulation. The annualised return is derived accordingly from the historical performance. Please note: historical performance is no guarantee of future performance.

Returns Max. equity share 10 years 5 years 3 years 1 year Current year
Balanced 67% 46.8% 18.8% 3.8% 1.1% -1.0%

Growth-oriented investment strategy

Sustainable asset growth

The goal of the investment strategy is long-term asset growth. The portfolio is significantly overweight in equities. This strategy invests in equal amounts in Switzerland and abroad. Since a third of investments are made in foreign currencies, the currency risk is moderate to medium. Investors are aware that major fluctuations in value and capital losses can occur and that this strategy therefore requires a high risk tolerance. In an environment of significant interest-rate rises or general market turbulence, the return on your investment may be negative in a number of years.

  • A maximum of 80% is invested in equities
  • Overweighting of equities
  • Good balance of investments abroad and in Switzerland
  • Some two-thirds of investments in Swiss francs, including those outside Switzerland

Instruments

Liquidity
1%
Bonds
28%
Swiss corporate bonds
15.8%
Emerging markets bonds
10.0%
HHigh-yield bonds
2.0%
Equities
71%
Swiss equities
35.0%
European equities
16.3%
Aktien USA
17.9%
Emerging markets equities
2.0%
Total
100%

Historical performance

The graphic shows the strategy’s historical performance with current investment instruments (taking into account product costs). If the current investment instruments do not have a sufficiently long history, an appropriate benchmark index was used instead (minus virtual product costs). The annual asset management fee of 0.55% is factored into the simulation. The annualised return is derived accordingly from the historical performance. Please note: historical performance is no guarantee of future performance.

Returns Max. equity share 10 years 5 years 3 years 1 year Current year
Growth-oriented 80% 50.6% 21.3% 4.2% 1.0% -1.5%

Capital gains investment strategy

Asset growth via price gains

The goal of your investment strategy is focused on increasing your capital. The return should mainly be generated through capital gains. For that reason, the assets will predominantly be invested in equities, with a portion also going into foreign bonds. This strategy mainly invests outside Switzerland. Since even proportions of investments are made in Swiss francs and foreign currencies, there is a medium currency risk. Investors are aware of the high risks and the possibility of incurring a sizeable capital loss and have a very high risk tolerance. In an environment of significant interest-rate rises or general market turbulence, the return on your investment may be negative in a number of years. As a result, it is possible that you will incur a sizeable capital loss.

  • A maximum of 98% is invested in equities
  • Focus on equities and foreign bonds
  • Investment mainly outside Switzerland
  • Balance of investments in Swiss francs and foreign currencies, including those outside Switzerland

Instruments

Liquidity
1%
Bonds
9%
Emerging market bonds
7.0%
High-yield bonds
2.0%
Equities
90%
Swiss equities
35.0%
European equities
19.4%
US equities
27.2%
Emerging markets equities
8.4%
Total
100%

Historical performance

The graphic shows the strategy’s historical performance with current investment instruments (taking into account product costs). If the current investment instruments do not have a sufficiently long history, an appropriate benchmark index was used instead (minus virtual product costs). The annual asset management fee of 0.55% is factored into the simulation. The annualised return is derived accordingly from the historical performance. Please note: historical performance is no guarantee of future performance.

Returns Max. equity share 10 years 5 years 3 years 1 year Current year
Capital gains 90% 70.0% 31.3% 10.1% 3.4% -1.1%

Historical performance of our strategies

The graphic shows the strategy’s historical performance with current investment instruments (taking into account product costs). If the current investment instruments do not have a sufficiently long history, an appropriate benchmark index was used instead (minus virtual product costs). The annual asset management fee of 0.55% is factored into the simulation. The annualised return is derived accordingly from the historical performance. Please note: historical performance is no guarantee of future performance.

Returns Max. equity share 10 years 5 years 3 years 1 year Current year
Security-oriented 39% 30.9% 9.7% 0.0% -0.8% -1.5%
Conservative 55% 40.8% 15.8% 3.0% 1.0% -0.8%
Balanced 67% 46.8% 18.8% 3.8% 1.1% -1.0%
Growth-oriented 80% 50.6% 21.3% 4.2% 1.0% -1.5%
Capital gains 90% 70.0% 31.3% 10.1% 3.4% -1.1%

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