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Investing in practice: Strategies, investment types, and implementation

Investing is more than simply allocating capital – it is a strategic decision where preserving the value of your assets comes first, followed by actively growing that value. While a savings account can help protect capital from nominal losses, its ability to safeguard against inflation is limited.

An appropriate investment strategy takes into account three central aspects:

Risk profile

Individual willingness and ability to take risks.

Investment horizon

Long-term investments balance out market flucuations.

Diversification

Diversifying capital minimizes risks and optimizes returns.

A successful investment concept requires discipline, a clear strategy, and regular adjustments to personal and economic changes.

How to proceed

1

Selecting an appropriate investment strategy

  • Conservative: Focus on capital preservation with low volatility (e.g., money market products, bonds).

  • Balanced: Combination of security and growth (e.g., bonds, equities).

  • Dynamic: Growth-oriented with greater volatility (e.g., equities, alternative investments).

2

Defining appropriate asset classes

  • Bonds: Stability and fixed income, but low returns.

  • Equities: Greater return potential, but higher volatility.

  • Real estate: Real assets that often offer a certain degree of inflation protection.

  • Alternative investments: Commoditites, cryptocurrencies, private equity, private debt for additional diversification.

3

Implementing the investment strategy

  • One-time investment or staggered investment (e.g., with a monthly savings plan).

  • Selecting appropriate financial products.

  • Regular review and, if needed, adjustments of the strategy.

4

Mind costs and fees

  • Direct costs: Transaction costs, management fees, and issue charges.

  • Indirect costs: Tax impact and inflation effects.

  • Optimization possibilities: Use of tax-efficient investments or low-cost solutions such as ETFs.

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smzh for you

Our experts support you throughout every stage of investing:

  • Analysis of your financial situation – Development of a customized investment strategy and plan.
  • Selection of suitable asset classes – Bonds, equities, real estate, or alternative investments.
  • Continuous optimization – Adjusting your strategy to reflect market changes and personal goals.
  • Transparent cost structure – Minimizing unnecessary fees to maximize your returns.
  • Long-term support – Regular portfolio reviews and strategic realignment.

We handle questions such as those shown on the right on a daily basis. You don't need to deal with them by yourself – our 360° Check-Up is free of charge and non-binding.

This depends on your risk profile, investment horizon, and personal goals. A balanced strategy, for instance, combines various asset classes to achieve an optimal return and security.

ETFs usually have lower costs and offer broad diversification. Actively managed funds may provide advantages in certain market phases, but they often carry higher fees.

By using cost-efficient ETFs, avoiding unnecessary transaction costs, and being mindful of tax aspects.

A gradual investment (e.g., via savings plans) can reduce the risk of market fluctuations, while a one-off investment may achieve a higher return if carried out in favorable market conditions.

We help you develop an individual investment strategy that is aligned with your financial goals and support you in implementation and optimization.