|
Portfolio Management Service - Asset Management
The service of managing the portfolio of securities for natural persons and legal entities represents a diversified type of investment of client's assets to the markets of capital and/or money through a personal portfolio managed by a portfolio manager in the PBZ Invest. The main feature of investment into securities portfolio is entrusting a part of personal assets for management of a professional manager.
Investment into the portfolio enables the clients to use the potentials of Croatian and foreign capital markets and/or money markets, taking into consideration their personal investment preferences.
Contracting the service of portfolio management is primarily a process during which the investment preferences of the investor as well as the duration of the investment is defined and the actions prescribed by the Capital Market Act are completed. Definition of the acceptable level of investment risk, expected investment yield, investment aim and the anticipated investment period is a pre-condition for selection of the adequate investment strategy. When creating each particular portfolio, PBZ Invest takes into consideration all requests, limitations and inclinations of the client in order to achieve the optimum portfolio structure for the purpose of completion of the set aims.
Each strategy consists of several models depending on the selected geographical and/or currency exposure.
Investment strategies:
Conservative strategy
Aim of investment:
To preserve the real value of the invested assets
Strategy:
Dominant investment into instruments of money market (deposits, commercial papers and treasury bills...), which would achieve the gain declared in advance, without significant oscillations in movement of the invested value. The structure of investment of the assets to the domestic or foreign market largely depends on the selected currency, provided that the assets will always be predominantly invested in the domestic market.
Risk:
The profile of investors with lower inclination to risk
- the yield is comparable with other conditionally non-risk investments (deposits and cash funds)
Currency:
HRK, EUR or USD
Balanced strategy
Aim of investment:
Increase of the real value of the invested assets with moderate exposure to the capital market
Strategy:
Generation of constant revenues from the instruments of money market with generation of revenues from dividends and/or capital gain, i.e. increase of securities value. Exposure to the instruments of money market will be dominant on the domestic market, while the exposure to the domestic or foreign capital market depends on the selected model and the selected currency.
Risk:
Profile of investor with a moderate inclination to risk
Currency:
HRK, EUR or USD
Aggressive strategy
Aim of investment:
Generation of a maximum short-term and long-term growth of value of the invested assets.
Strategy:
Investment of assets into securities with expected high yield, but also a higher level of risk and oscillations of the assets value. Exposure to the domestic or foreign capital market depends on the selected model and the selected currency.
Risk:
Profile of investor ready to accept a higher risk level
- long-term investment with the purpose to achieve potentially more significant yield
Currency:
HRK, EUR or USD
If the offered strategies do not suit the investment aims of the investor, PBZ Invest offers a possibility to choose an individual strategy. Contracting the individual strategy includes a process of definition of the market, currencies, types of securities and similar, all in accordance with the specific requests of the investor.
Fees
For the service of portfolio management, PBZ Invest charges a management fee and a performance fee and only in the case of early withdrawal of assets, a redemption fee.
The interest of the client and the interest of PBZ Invest is a mutual one, since PBZ Invest participates in the gain according to the contracted percentage.
Reporting
A constituent part of the service of portfolio management is regular monthly, quarterly, semi-annual or annual reporting on the status of assets, generated total and individual yields, executed transactions, occurred expenses, with explanation of the situation in the market of money and/or capital. Reporting can be done by e-mail, mail or personal delivery of the report, depending on the client's wish.
For additional information about the service of portfolio management please contact your personal banker at any branch of Privredna banka Zagreb d.d. or directly contact PBZ Invest to the contacts specified below:
Contact
Miroslav Maletić
|
Company Data
Golden portfolio
PBZ Investment funds
