Investments in context
An investment portfolio should begin with a purpose. It may need to support retirement, provide flexibility after a business sale, fund future family commitments or preserve capital for the next generation. These objectives help establish the time available and the level of risk that is appropriate to consider.
We look at investments in the context of your whole financial position. Cash reserves, pension benefits, property and business interests can change the role the portfolio needs to play. Reviewing these together provides a more useful starting point than considering each account in isolation.
Risk includes the possibility of loss, the concentration of holdings and the need to access money when circumstances change. We review how existing investments relate to your objectives, spending needs and investment horizon. Near-term commitments deserve particular attention before capital is committed for longer periods.
For a Swiss resident with international assets, currency also matters. Spending in francs may sit alongside income, investments or liabilities in sterling, dollars and other currencies. We consider those exposures as part of the plan, rather than treating each account as a separate decision.
The outcome is an agreed view of what each part of your wealth is for, where further work is needed and how decisions will be reviewed. Investments can fall as well as rise; a plan should account for that uncertainty.
