We select our third-party funds based on certain internal specifications, and following careful consideration. For instance: there are funds with active (usually costlier) and passive (cheaper) fund management. In active fund management, the fund manager looks specifically for promising investments, whereas in passive fund management, they solely follow a specific index. In poorly developed markets, we favour active fund management seeing as the fund manager’s expertise and the higher costs this involves may pay off.
In the case of bond funds, we tend to opt for a product with currency hedging against the Swiss franc. This is different to pure equity funds. We are also always looking for new investment trends, which we then test and potentially add to our range of services.