I have opened an account. What is the next step?

Right after opening your account, we determine your personal risk profile using our online questionnaire.

Based on this, we propose a tailored, globally diversified portfolio. You can adopt this as is or adjust it flexibly within your risk tolerance: would you prefer more Swiss equities, or would you like to exclude commodities entirely? Our investment solution adapts to your preferences.

Because market movements shift weightings over time, we keep your portfolio on track with automated rebalancing. If the composition drifts, we buy or sell the appropriate instruments (ETFs and index funds) to restore the target balance. We act deliberately: since every transaction incurs a slight performance drag via the bid-ask spread, we rebalance only when truly necessary (and we deduct any trading commissions from our wealth management fee).

Deposits and withdrawals integrate seamlessly as well: additional deposits are automatically invested in line with your asset mix; for withdrawals, securities are sold on a proportional basis.