Profile investing

Build wealth with a customized portfolio built from standard components. The best of both worlds.

Building wealth with a customized portfolio: the best of both worlds

Introduction

Wealth accumulation is an important pursuit for many. The traditional method is to invest in a mix of stocks, bonds and other investment products. However, this can be a time-consuming and complex task. Moreover, there is always the risk of making wrong choices and losing money.

An alternative is to invest in a customized portfolio. This is an investment portfolio created specifically for you, based on your personal goals, risk appetite and time horizon. To reduce costs, building blocks can also be made from which your perfect custom solution is created.

The benefits of a customized portfolio

There are a number of advantages to investing in a customized portfolio:

  • Simple: You don't have to research investment products yourself or decide how much to invest in each product.
  • Professional: The portfolio is constructed by professionals with extensive knowledge and experience of the financial markets.
  • Personalized: The portfolio is tailored to your personal goals, risk appetite and time horizon.
  • Flexible: You can adjust the portfolio at any time if your personal circumstances change.

The disadvantages of a customized portfolio

There are also a few drawbacks to investing in a customized portfolio:

  • Fees: There are fees associated with investing in a customized portfolio. These fees can vary depending on the provider.
  • Limited control: You have less control over portfolio composition than when you invest yourself.
  • Risk: There is always a risk of losing money, even with a customized portfolio.

Standardization: saving on costs

One way to reduce the cost of a customized portfolio is to choose a provider that works with partially standardized portfolios. This means that the portfolios are constructed based on a fixed investment goal and possible special components to further certain sub-goals (e.g., risk mitigation or markets), rather than being constructed on an individual basis.

Standardized portfolios have a number of advantages:

  • Lower costs: Because portfolios are standardized, the provider can keep costs lower.
  • Simple: Portfolios are easy to understand and invest in.
  • Transparent: You know exactly what is in the portfolio and how it is managed.

Choosing a provider

There are a number of providers that offer customized portfolios. When choosing a provider, it is important to consider the following factors:

  • Cost: Compare the costs of different providers.
  • Investment profile: Choose a provider that offers portfolios that fit your investment profile.
  • Experience: Choose a provider with extensive experience in managing investment portfolios.
  • Customer service: Choose a provider with good customer service.

Investing in a customized portfolio is a great way to build wealth. It is a simple and professional way to invest, with a personalized portfolio that suits your personal goals.

However, there are a few drawbacks to investing in a customized portfolio, such as cost and limited control. By choosing a provider that works with partially standardized portfolios, you can reduce costs.

save

The saver is someone who chooses security over returns. Low risk resulting in very low returns. The main goal is capital preservation and having money readily available for unforeseen expenses.

defensive

Defensive investors are cautious and want to minimize risk. They invest mainly in bonds and safe mutual funds. Returns are moderate, but preserving capital is the top priority.

moderately defensive

These investors seek a balance between return and risk. They invest in a mix of bonds, stocks and real estate. Although there may be some volatility, they aim for stable long-term growth.

moderate offensive

Moderately offensive investors accept some risk for potentially higher returns. They invest primarily in stocks and diversify their portfolio to spread risk.

offensive

Offensive investors have a higher risk tolerance level and invest primarily in stocks. They seek significant long-term growth and accept temporary market volatility.

highly offensive

Willing to accept significant fluctuations. They invest in stocks, often with a specific focus, derivatives and volatile sectors for maximum growth, with significant short-term fluctuations.

Wondering what we can do for you?

With about sixty colleagues in two locations, we are never far away. All advisors are trained as financial planners and understand better than anyone how important it is to see assets in the bigger picture.

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