Investment consulting – your efficient financial investment
As is the case with asset management, in investment consulting, your goals are very clearly the top priority. The experienced advisors in Schelhammer Capital’s private banking work together with you to establish your personal asset structure.
Taking this as our foundation, we set up your capital investment based on the latest tried and tested methods. We don’t leave your investment success up to chance. In this, we make use of a large toolbox, including selected active and passive funds, meticulously researched individual securities for shares and bonds, private equity with enormous experience and much more. If the issues of sustainability and ESG are particularly near and dear to you, you’ve come to the right place. Long before these topics became mainstream, we were already addressing them intensively.
We established the first sustainable fund in 1989. At the end of 2021, our sustainable, global equity fund Superior 6 – Global Challenges was named the winner in a comprehensive test by the Stiftung Warentest consumer survey. The fund Superior 4 – Ethik Aktien was also among those at the top.
In addition, we also analyse your existing portfolio free of charge and optimise it, if you desire.
Who should use the investment consulting option in private banking?
The investment consulting service is designed with all the investors in mind who want to put together an efficient portfolio and preserve and expand their assets with the support of our experienced investment advisors. Our private banking investment advisors provide support according to your wishes and expectations. You always remain at the helm and continue to determine the direction of your financial and capital investment.
How does investment consulting work in private banking?
After you have made an appointment, in the first step we work with you to develop the guiding principles – the asset structure – for the composition of your securities portfolio and for our collaboration. In this stage, the investment advisors gear themselves exclusively towards your personal interests, circumstances and goals:
• Phase of life
• Life situation
• Goal of capital investment
• Need for security
• Target return
• Time frame
At the end of the introductory step, your specifications for the composition of your capital investment are clear. Investment consulting with Schelhammer Capital private banking means asset protection and expansion. Investment consulting with us also means that you can first find the advisor who best suits you. What qualities or interests should your future advisor have?
What happens with your personal information?
The experienced advisors at Schelhammer Capital draw up your personal asset structure. Depending on the complexity, this may also be done in a team with internal and – if necessary – external specialists. The exclusive basis for this is your personal life situation and the associated goals. We create a personal asset structure for you. In this way, an individual composition of your assets is established.
Since 1980, studies have been confirming time and again that the composition of assets – the asset allocation – is responsible for around 90% of long-term success. This is precisely why we begin the process of successful investment consulting with a strategy consultation. Just 4% of the return is determined by the choice of securities (e.g. BMW over Daimler). The often-pursued attempt at market timing (buying at a lower price and selling higher) contributes to just 2% of success. In fact, market timing is an illusion. Time in the market, on the other hand, is key to returns and growth on your capital investment. Patience, strategy and planning are the guarantees for success. The following graphic shows the key factors for a successful capital investment.
What’s important here is that this observation is based on a diversified investment, i.e. one that is widely spread out. Although a single share holds the greatest potential for profit, it also has a large potential for loss. The risk is considerable.
What does serious investment consulting cost?
Right up front:good advice is not expensive, it’s worth a lot.
There is no universal answer to the question of cost that applies to all banks and investors. It depends above all on the complexity and size of the assets. In the first phase, it costs time. Time spent with an investment advisor in order to discuss your personal situation. You only pay once your portfolio is implemented by us. You should anticipate one to two percent of the capital envisaged for investment.