What is asset management?

When an investor opts for an asset management product from Partner Bank, such as a share basket, fund basket, etc., he or she decides on a particular investment strategy which corresponds to his or her goals, needs and risk appetite.

Partner Bank buys and sells securities within the parameters of this investment strategy in order to achieve the customer’s investment objectives as well as possible. Partner Bank receives instructions to make, change or maintain investments and to hold cash positions, performing all necessary purchases and sales of domestic and foreign securities, including foreign exchange, on the customer’s behalf.

Partner Bank does not issue securities, nor is it a fund manager for the selected investment funds or umbrella funds. This means that the securities experts at Partner Bank can be totally objective when selecting promising securities. Customers should be aware that the risks inherent to investing in securities cannot be eliminated through asset management. In particular, these include price, inflation and foreign exchange risks, and issuer/credit risks. However, these risks are countered as far as possible through asset management:

  • Securities experts select securities objectively and on the basis of fundamental data such as earnings potential and risk
  • They watch the market and quickly react to developments by modifying the portfolio composition
  • They ensure a broad spread of assets across different classes of securities, sectors, regions, fund managers, etc., depending on the investment strategy. Partner Bank’s asset management service cannot – and does not seek to – replace its basic savings account and “Bauspar” products, but it can supplement them and give you access to the opportunities offered by the securities market.