How can I adjust my portfolio?

If you are a True Wealth client, we have determined your risk profile using our questionnaire. Our algorithm suggests the «True Wealth optimized investment mix» with the best possible long-term return expectations, depending on how much volatility you as an investor can and want to accept. You can also choose between the global and sustainable investment universe.

However, sometimes our clients want to incorporate their individual preferences for certain markets or asset classes into the strategy. As long as the portfolio remains sufficiently diversified and the personal risk range is not exceeded, our investment solution allows for extensive customization.

How to customize your portfolio

Let's assume you want to reduce your equity exposure in emerging markets. Log in to your True Wealth account (if you don't yet have an account, you can open a free test account). Click on «Equities» in the donut and then select «Drilldown» at the bottom left.

Click on «Emerging Markets» and adjust the percentage using the slider. The percentage refers to the emerging market share within the equity asset class, not to its share of the overall portfolio.

Whether you want to adjust the allocation of stocks, bonds, real estate, commodities, or a subcategory thereof, the procedure is always the same.

Will the return change?

Under «Risk and return» the forward-looking model projection (projected return) shows you in real time what impact your changes might have.

After making your desired changes, please exit edit mode and confirm your new investment strategy. Your portfolio will be rebalanced during the next rebalancing cycle, typically on the next trading day, but no later than within a few days. We do not charge any additional fees for these adjustments; brokerage fees and trading commissions are included in our management fee (see the full price overview here). However, portfolio rebalancing incurs one-time, unavoidable transaction costs due to bid-ask spreads.

In addition, the federal stamp duty applies. We therefore recommend that our clients make portfolio adjustments only in moderation, if at all.

Partial Currency Hedging

The «True Wealth optimised allocation» includes currency-hedged investment instruments for wealth management and Pillar 3a, the proportion of which varies depending on portfolio risk. This partial currency hedging allows for a broader global investment universe, particularly for those with low risk tolerance, and enables your «risk budget» to be utilized even more efficiently. We cover this topic in detail in our video podcast.

If you wish to disable currency hedging, you will find the corresponding toggle in edit mode.

Transparency and flexibility

This example illustrates the complete transparency offered by True Wealth when managing your portfolio, right down to the level of individual instruments. If you are happy with the proposed investment strategy, you can simply accept it. However, if you wish to increase or reduce your investments in certain regions, sectors or asset classes (equities, bonds, real estate or commodities), you can do so at any time with just a few clicks of the mouse.

However, if your personal situation or investment horizon changes significantly, we recommend that you complete the risk tolerance questionnaire again rather than making any manual adjustments to the investment mix. You will immediately receive a new optimised investment proposal, of course at no additional cost.