We believe in time in the market, not timing the market. Our strategies are built for decades, not quarters. This means accepting market volatility as a feature of long-term growth, not a bug to be eliminated. A 15% drawdown in a given year is not a failure if the strategy remains aligned with decades-long objectives.
Sustainability is integrated, not segregated. When we discuss nachhaltige Geldanlage (sustainable investing), we view ESG factors as fundamental risk and opportunity filters—core to due diligence, not a niche overlay. We screen for alignment with client-defined values and material financial impacts, often favoring SFDR Article 8 and 9 funds where appropriate. This is a constraint: it may limit sector access but aims to protect against long-term regulatory and social risks.
Risk is defined as the permanent loss of capital, not short-term volatility. Our portfolios are structured accordingly, emphasizing diversification, liquidity buffers, and quality assets. We explicitly address behavioral pitfalls—like loss aversion or performance chasing—through structured review meetings, ensuring emotional reactions don't derail rational plans.
Client education is a pillar, not an add-on. We provide regular, jargon-free briefings on portfolio performance, market context, and our decision rationale. For succession planning, we advise proactive structuring 5-10 years before target dates, ensuring assets transfer smoothly across generations and jurisdictions.
"The most valuable portfolios are those that allow clients to sleep well at night and still fund their grandchildren's education. That requires discipline, not brilliance."
