People with investment assets exceeding €200 thousand usually think that they need a bank to manage their assets. But this is simply not true. A bank licence does not automatically give anyone a patent for good results and performance – and that’s what matters the most in the world of investment, right? When investing, the key factor is having a trusted advisor who can optimise the investment portfolio from the perspective of its composition, earnings, fees and taxes. And this is the major responsibility of Across Private Investments, a trader with securities, holding a licence issued by the National Bank of Slovakia. So why choose us to manage your assets?
1. The best from the global markets
At first sight, the offer from Across may look a bit subtle. However, it is the selection of the best that globalised financial markets offer to investors. Our offer comes with independence, objective evaluation and hundreds of hours of analysing markets to ensure that we provide our clients with the best these markets can offer. We don’t select a large number of funds just to claim that we have “the widest product range in the market”. For example, we only offer our clients a single fund aimed at the stocks of large US companies. But it is a fund that is not only the cheapest and comes with optimum performance but also is free of any tax burden and protects its investment up to the last euro. We also apply the same approach reasonably in the other products we offer – for example, our Across Intelligent Portfolio+, Across Investičné Sporenie+, Across Protected+ etc. Companies, whose funds are featured in our offer were managing assets of more than €3 trillion as of the end of September 2018, which is 400 times the value of combined investments of all Slovaks in mutual funds.
2. Personal care and integrity
A good private banker (investment consultant) should assist the client primarily to increase the overall efficiency of his or her finances. While doing this, they must be sufficiently objective and detached and consider not only the liquid but also non-liquid assets of the client. This mainly includes real estate, participation in various businesses, collections, but also liabilities (e.g. mortgages and loans) as well as a client’s current and future income and expenditures. Investment consultants in Across take a client’s individual needs into account, but above all their intentions and interests, and they are continually in touch with the client – in good and not-so-good times as well. The senior investment consultants are highly competent and experienced individuals with quick reactions, who can provide clients with in-depth highly qualified consultancy.
3. Transparent fees
The structure of fees in Across is transparent and fair. There are no ‘free products’ in the world of finance, although some of them may pretend to be exactly that. Just like there is no such thing as a free lunch. Quality always comes at a price. The philosophy that we follow is to bring the clients added value at an adequate price. With our clients, we share the profit that we achieved for them.
4. Common sense and experience
George Soros, the well-known investor, once said: “when investing, it does not really matter how much you earn when you are right, but how much you lose when you are not”. Investing is not a game of roulette. And it is not like collecting postage stamps either – I buy this fund because I like it, and I buy that bond or a certificate because I like it, too… Investing must come with a sense and purpose and a fixed objective. Key people in Across have worked in the financial markets for over twenty years. They have experienced market euphoria as well as disappointments. This enables them to have their feet firmly on the ground. Yield and volatility go hand in hand. If the client wants to earn bigger profits, he or she must focus on more volatile investments. Positions with this category of investments must be built gradually. After all, even Rome wasn’t built in a day.
5. Orientation on tax-exempt products
Taxes but also health insurance contributions significantly influence the net earnings from a client’s investment. Yields from conventional mutual funds are subject to personal income tax regardless of the length of the investment. This is also one of the main reasons why Across focuses on the type of investments that are exempt from personal income tax, such as index funds or bonds accepted for trading on the regulated market.
Selecting an optimal manager for one’s assets is and simultaneously isn’t simple. Across Private Investments is a specialist in investing. We are not involved in the provision of mortgages, current accounts, credit cards, nor do we sell insurance. We understand financial products, we know where to look for added value for our clients. And this is the opportunity that we offer to you, too.
