Discretionary mandate

Consistent implementation of your investment strategy

With the discretionary mandate, you can arrange for your assets to be professionally managed by our experts. If you’re looking to build up your assets over the long term and would prefer to leave investment decisions to the specialists, then you’re in the right place. The first thing to do is to work together with your relationship manager to decide on the investment strategy that suits you best. This involves assessing your risk capacity and risk appetite and defining your investment goals. The investment universe consists largely of in-house investment funds, ensuring a broad diversification of investments. You will constantly be kept up to date with how your portfolio is performing by means of regular in-depth reports on performance and the investments made. With the discretionary mandate, you can be sure that your chosen investment strategy will be implemented consistently – with no effort on your part.

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Management in line with Bank CIC’s pension fund

With the Replica Pension Foundation strategy, your money is managed according to the same strategy as the money in Bank CIC’s pension fund. The strategy is suitable for investors who wish to have their assets managed with a moderate degree of security and are prepared to accept increased price fluctuations resulting from the addition of equity investments. The main differences between a balanced strategy and the Replica Pension Foundation strategy concern the greater share of investments denominated in Swiss francs and the fact that investments are also made indirectly in Swiss real estate.

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The strategy for high returns over the long term

With the discretionary mandate Dividend Focus, your money is invested in individual securities in the Swiss or European equity markets in the respective reference currency (CHF/EUR). There is therefore no foreign currency risk. The focus is on large cap stocks paying high, steady or rapidly growing dividends. Investments can also be made in top-quality small and mid cap companies. The strategy is suitable for investors who are prepared to accept high price fluctuations to achieve high returns (capital gains and dividends) in the long term. As it is solely an equity mandate, with at least 90% being invested on average and thus subject to high price fluctuations, a long-term investment horizon is recommended. This strategy is not suitable for investors with a shorter investment horizon.

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The alternative to holding large quantities of cash

The discretionary mandate Cash Plus provides you with an alternative to holding large quantities of cash. It consists of a combined portfolio of three asset classes: liquidity, bonds (solely individual securities with a maximum term three years) and investment funds that specialise in liquid private lending for trade finance. Fluctuations for this form of investment are generally minor and the performance does not correlate with that of traditional markets. The discretionary mandate Cash Plus provides a large degree of flexibility when building a portfolio. This investment strategy is recommended if you want to hold a considerable part of your assets in liquidity and do not intend to invest your money in the next 24 months.

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The alternative to fixed income investments

The discretionary mandate Private Debt Basic provides an interesting addition to fixed income investments, especially in the current low interest rate environment. It involves experts investing in investment funds that specialise in liquid private lending for trade finance. Every investment fund in turn invests its capital in a large number of loans in suitable economic sectors and regions, taking into account the optimum risk/return ratio. This investment strategy is recommended for investors who are aware of the illiquidity of trade finance strategies and wish to diversify their sources of income to include the private markets. The product is designed for a multi-year investment horizon.

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Arrange for your pension fund money to be managed by experts

FIT stands for “flexible, individual and transparent”. This strategy is suitable for companies and self-employed people who would like to invest their occupational pension assets securely through a collective foundation. Bank CIC manages retirement savings in line with Occupational Pension Ordinance (OPO 2) guidelines and in accordance with the investment strategy agreed with the collective foundation partner. Depending on the collective foundation partner, it may be possible to define an individual investment strategy within an individual OPO 2 pool in addition to the standard OPO 2 strategies. The assets are invested in individual securities, investment funds, diversified investment vehicles and structured products. Depending on the choice of collective foundation partner, you can benefit from individual investment opportunities per employee for the supplementary insurance part.

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Individual management

The discretionary mandate Unique is specifically geared towards pension foundations and funds that would like to invest the retirement savings in compliance with the legal regulations under OPO 2. Very wealthy private investors can also arrange for an individual portfolio to be constructed in consultation with their relationship manager. The assets are mainly managed using direct investments. The investments are made in individual securities, investment funds, diversified investment vehicles, structured products, hedge funds, private equity or derivative instruments. Forward exchange transactions may also be used to hedge against currency risks.