Individual
consulting free of conflicts of interest
We
advise you free of conflicts of interest. We are paid solely by you and
regardless of the chosen investment strategy. These are foundations for neutral
advice and asset management without false incentives.
We work
out your investment objective together, taking into account your starting
position. Based on a comprehensive risk profile analysis, we create your
personal investment proposal.
Scientifically
sound investment concept
The
combination of substantiated knowledge, comprehensive availability of data
regarding the global financial markets and high computational power allows us
to systematically put the findings of financial market research into practice.
With us,
you invest like the professionals. Our investment solutions for private clients
are identical to those for institutional investors (pension funds, insurance
companies, banks, etc.). Implementation is via OLZ funds, which are realised
with the systematic investment concept - OLZ Minimum Risk.
More equities at the same risk = higher return
In the
long term, equities offer significantly better returns than bonds, but they are
also much riskier in comparison. For example, with intelligent portfolio
composition, rather than having a 40% equity quota, you can hold a higher
equity component of up to 60% with OLZ without increasing the risks. You
increase your long-term return significantly - by optimally exploiting your
risk budget.
What could your OLZ portfolio look like?
Systematic
OLZ portfolio optimisation
We
avoid unnecessary and uncompensated risks and reduce portfolio risk through
systematic risk management at two levels:
- Effective diversification of the
overall portfolio: The
only asset classes used are those which tend to be independent of each other and
which reduce the overall risk. We use equities and first-class bonds for this
purpose. Foreign currency risks are mostly hedged.
- Optimised equities and bonds: equities and bonds are managed
using our scientifically sound investment concept - OLZ Minimum Risk.
Intelligent and risk-based selection and weighting of securities reduces the
risk by around 15%-30% compared to traditional investment solutions. Another
benefit for our equity funds is excess
return from low volatility equities. In the long term, the result is excess
return combined with lower risk.
OLZ
portfolio optimisation allows a higher equity quota and thereby an increase in
long-term returns without incurring higher risks.
Long-term added value compared to market average
Reasons
for better returns from OLZ as against market average:
-
Higher equity quota with the same risk
-
Excess returns from low volatility equities
-
Lower costs
Low and
completely transparent costs
Our
clients benefit from low and fully transparent asset management fees. The
contractually agreed asset management fee also includes the management fees in
the funds, so that there is no multiple allocation. According to an independent
cost study by ZWEI Wealth Experts, the average total cost (management
fee, product costs, custody fee, etc.) for a mandate of CHF 1'000'000 in
Switzerland is around 2.6%. Compared to our competitors, our overall costs are
around 50% lower at 1.2%.
Sustainable
investment
Sustainability
criteria can be integrated into our investment process without loss of return
or higher risks. That is why we manage all client funds in accordance with
ecological, social and ethical criteria (ESG for Environment, Social,
Governance). We do not invest in companies which breach key ESG criteria.
Furthermore, our portfolios have above-average sustainability rating. We use
sustainability ratings from MSCI, a global leading data provider in
sustainability.
How can
I become an OLZ client?
You
contact us and we schedule a first non-binding meeting in which you learn more
about OLZ. If you wish to proceed, we collect the necessary information and
develop a proposal for investment with a completely transparent cost overview,
all free of charge. You decide whether you would like to manage your assets
according to the OLZ investment concept and wish to give us an asset management
mandate.
You
choose the custodian bank. We draw up the mandate agreement between you and OLZ
and complete the formalities with the selected custodian bank.
We are
at your disposal to discuss the optimal solution. We look forward to hearing
from you.
Descartes
Finance - Online investment solution for assets under 500,000
OLZ
works with Descartes Finance, an established Swiss online asset manager. You
receive OLZ portfolio optimisation and implementation with efficient OLZ funds
at extremely attractive overall costs.
Check
the online investment solution. We can recommend it to you.