Investment Approach - Your Needs Are Unique
Your needs are unique, and we therefore take the time to consider a unique solution suited to you. We listen to your ideas.
make our wealth of expertise available by using a structured process of
identifying your needs, and ensuring that the finally implemented
portfolio will perform well over the long term.
We build a relationship with clients based on mutual understanding and trust.
Mr. Hlinka, Financial Analyst and Managing Director, at Swiss TV 2018
“Coming together is a beginning, staying together is progress,
and working together is success.” - Henry Ford
first consultation is free of charge, at which time we make a rough
assessment of your wishes, and present an investment concept that
outlines how we could meet them. At this time we also make our fee
structure transparent to you, so that you can see that our best
interest lies with your success.
free we offer an independent analysis of your current portfolio, take
advantage of it. Our systematic process starts with a careful analysis
of your goals and situation. We combine the insights of behavioural
finance with our research on the quality of different investment
opportunities. At the end of this process you receive a custom-tailored
investment concept and implementation plan.
From left to right: Rubi Hermann, Patrick Chmilewski, Daniel Gonzalez
stages in this individual consultation are to first conduct a detailed
risk profile, compare the resulting asset allocation with the
investment opportunities available on the market, including direct
investment in securities such as stocks and bonds. The benefits of such
a process are as shown below.
risk profilers commonly only consider aversion to market fluctuations.
This definition of risk is incomplete, and you may unexpectedly take
more risk than what you would like. We consider several other types of
risk, including aversion to losses and to uncertainty. This enables us
to ensure that only the right amount of risk is taken.
the support of the BhFS tool, we are committed to ensure that you
clearly see the connection between your needs and your recommended
portfolio. With AGFIF, you can rest assured of the quality of advice.
recommendation is specific for you. Your needs are not classified into
a general category, loosing much information about your specific needs.
In finding the match between your risk profile and your portfolio, we
ensure a transfer of information and quality. The final result gives
your best solution.
research has shown that investors who commit to their portfolio over
time are more likely to reach their goals. Based on our thorough
experience and knowledge, we can provide you with the optimal portfolio
at the beginning of your investment period. Throughout your investment
period, we support you in avoiding biases and to ultimately reach your
A good investment concept is worthless unless it is implemented
carefully. We therefore support you in the implementation. As we are
independent we can choose from the full investment universe to find the
solution matching your specific risk profile. Your opportunities are
The market is build up of its building blocks. It exists even without
the artificial products popular today, products which inherently
contain an additional risk: issuer risk. For you we avoid these costly
products, and build an individualized portfolio with the same
underlying building blocks. This is one quality difference that AGFIF
offers – we don’t buy products, we manufacture yours.
and finaly our Investment process ...
of our decisions based upon above and about significant changes in your
discretionary portfolio is made by our Portfolio managers jointly
together with our investment committee and our strategy analysts, as
well as with independent analysis providers.