Infobox

  • Successful investments through strategy and efficiency.
better_performance

Models

Descartes Finance is a highly efficient and equitable portfolio management approach geared completely to your goals and investment needs. We work with select asset managers:

– DWS
– Invesco
– iShares by BlackRock
– Lakefield Partners
– OLZ
– Swiss Rock


You can view the performance of the respective investment strategy in the cockpit after you register, or you can request it from us (info@descartes-finance.com).

bank

Custodians

We work with prestigious Swiss banking institutions assuring the utmost discretion and security. 
Direct clients can choose between:

– UBS
– Vontobel


Premium clients can choose from other custodian banks.


Thanks to these established partnerships you benefit from favourable terms. Talk to us if you’d like to discuss which bank is the best match for you.

Fees Descartes &
UBS*
Descartes &
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.

* All-in (excluding third-party fees) 
** Does not include a one-off anti-dilution fee of 0.10% 
Product costs are not included.
For ETFs, the Swiss stamp duty (0.075% of the transaction value for domestic securities and 0.15% for foreign securities) is applied. Also, any purchase or sale of ETFs entails transactional 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

  • 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.

    Capital Gain Growth Balanced Fixed Income Income Return Risk

    illustrative, logarithmic

    Attribute

    • Investment horizon

      2 Years

    • Security

    • Expected return

  • 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.

    Capital Gain Growth Balanced Fixed Income Income Return Risk

    illustrative, logarithmic

    Attribute

    • Investment horizon

      4 Years

    • Security

    • Expected return

  • 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.

    Capital Gain Growth Balanced Fixed Income Income Return Risk

    illustrative, logarithmic

    Attribute

    • Investment horizon

      6 Years

    • Security

    • Expected return

  • Growth

    You are an investor willing to take risks and ready to bear higher price fluctuations. The growth of your assets has high priority.

    Capital Gain Growth Balanced Fixed Income Income Return Risk

    illustrative, logarithmic

    Attribute

    • Investment horizon

      8 Years

    • Security

    • Expected return

  • 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.

    Capital Gain Growth Balanced Fixed Income Income Return Risk

    illustrative, logarithmic

    Attribute

    • Investment horizon

      10 Years

    • Security

    • Expected return

Which risk class suits you best?

Find out your risk profil here.

To derive your risk class, your risk capacity (investment horizon, financial situation) and your risk appetite (financial knowledge and experience, expected returns, investment behaviour) are taken into account by means of a questionnaire. They assess your objective and subjective ability to deal with risks.

Find out more  Sign up