Infobox
- Successful investments through strategy and efficiency.
What fees apply?
| Us & UBS | Us & Vontobel | |
|---|---|---|
| OLZ Minimum Risk ESG | 0.50% p.a. | 0.80% p.a. |
| Strategic ETF | 0.65% p.a. | 0.80% p.a. |
| Multi Asset Core CHF | 0.65% p.a. | 0.80% p.a. |
| Swiss Rock Spread & Style Portfolio | 0.65% p.a. | 0.80% p.a. |
| Invesco Multi Asset ESG | 0.65% p.a. | 0.80% p.a. |
| Lakefield Dynamic Swiss Core | 0.65% p.a. | 0.80% p.a. |
Flat-rate fees, which include all expenses for the purchase, sale and custody of the securities (excluding third-party fees).
Product costs are not included. They average 0.30% per year.
For ETFs, the Swiss stamp duty is applied (0.075% of the transaction value for domestic securities and 0.15% for foreign securities). Furthermore, any purchase or sale of ETFs incurs additional transaction costs due to the bid-ask spread.
The minimum investment size for online portfolios is CHF 25,000.
The fees for Descartes Premium are calculated individually.
It’s all about risk
In a traditional portfolio set-up the various asset classes – equities, bonds, commodities, real estate, and so on – are given different weightings in the asset allocation. The problem with this approach is that some asset classes share common risk factors across asset class boundaries, making them unsuitable for diversification purposes.
To avoid this problem, Descartes Finance takes a risk-based approach that clearly differentiates between asset classes and risks, with the allocation process assigning weightings to a set of risk exposures rather than assets. Descartes Finance first determines the risks to be held in the investor’s portfolio and how these risks interact with each other. Only then does it propose the final combination of assets to achieve the desired risk exposure, taking into account the valuation of the various assets.
We work on the basis of five different risk classes
To derive your investor profile, your objective risk capacity (investment horizon, financial situation) and your subjective risk appetite (financial knowledge and experience, expected returns, investment behaviour) are taken into account.
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Fixed Income
You’re focused on the security of your investment. You want to earn steady income on fixed-interest investments. Your top priority is the long-term preservation of your capital.
illustrative
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Investment horizon
2 Years
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Security
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Expected return
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Income
You are a safety-conscious investor and you are willing to bear only minor variations in income. Certain profit potential given you are willing to bear minor price fluctuations.
illustrative
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Investment horizon
4 Years
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Security
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Expected return
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Balanced
You are willing to accept medium fluctuations for a higher expected return. Your investments shall benefit from both, equity return potential and stability of fixed income investments.
illustrative
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Investment horizon
6 Years
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Security
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Expected return
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Growth
You are an investor willing to take risks and ready to bear higher price fluctuations. The growth of your assets has high priority.
illustrative
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Investment horizon
8 Years
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Security
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Expected return
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Capital Gain
Your risk tolerance and capability to take risk are very high. In order to profit from the long term above-average return expectations of stock markets you are willing to accept very high price fluctuations.
illustrative
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Investment horizon
10 Years
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Security
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Expected return
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