Our approach: More for you

Schoellerbank meets the highest standards of its clients in all matters relating to wealth management, opening up market-leading opportunities for those with significant investment needs. For this reason, we offer our exclusive services to clients with an investment potential of around one million euros or more. We would be delighted to demonstrate the benefits of our customised solutions to you in person.

When you come to Schoellerbank, we take the time to get to know you. We ask you lots of questions and listen carefully. This is the only way we can understand what is important to you. Armed with this knowledge, we focus on your personal goals and continuously monitor relevant market opportunities. Why do we do this? Because we want more for you: more security, more investment success, and more personalised advice.

Investing instead of speculating – 6 principles for your investments

We have analysed successful investments and turned the factors for success into our principles. These principles are based on our investment philosophy: “Investrather than speculate.” This means you always know how we think and work.

 

No. 1: We focus on the needs of our clients

We work with our clients to develop a customised investment concept. We attach great importance to fair and transparent costs. We document our decisions clearly and comprehensively. We make independent investment decisions exclusively in our our clients´ interests.

No. 2: We pursue a clear and disciplined investment strategy based on facts and experience

Schoellerbank pays the utmost attention to quality when investing. This is why we only invest in assets that we can evaluate. The Schoellerbank Equity Rating, Bond Rating, and Fund Rating provide the basis for this. At the same time, we continuously optimise our investment process, focusing on a long-term orientation and avoiding market exaggerations or speculative trends.

No. 3: We select the best investments from across countries, sectors, and currency areas

Schoellerbank selects only those investments from countless options that we can recommend without reservation. We view equities, for example, as long-term investments in companies. Over time, we expect them to generate higher returns than interest-bearing capital. When it comes to investments, quality is the only thing that matters to us, regardless of the country, industry or currency area. To stabilise the portfolio, we focus on bonds from different segments, aiming to achieve additional returns above the risk-free interest rate in the long term. Structured products complement our range of securities. We generally recommend the selective diversification of assets.

No. 4: We act countercyclically at points of exaggeration

Schoellerbank does not follow fashion trends on the financial markets. We seek to buy when other market participants are fearful and sell when others are euphoric. At these extreme points of exaggeration, we gauge market sentiment using carefully selected sentiment indicators. This enables us to avoid overcrowded and overpriced asset classes.

No. 5: We wait patiently for opportunities and then actively seize them

Schoellerbank's investment philosophy is “invest rather than speculate.” “Investing” means actively and responsibly diversifying assets. We consistently reject short-term speculation. We wait patiently for opportunities and then actively seize them. We do not follow an index, but trust our own market assessment.

No. 6: We practise active risk management

Security is our top priority when investing. As soon as we identify risks, we actively adjust the portfolio. We accept fluctuation risks with equities, but we want to avoid permanent capital loss. We strictly reject risks that are difficult to assess or opaque. Schoellerbank only invests in liquid assets. We therefore consider ourselves to be active risk managers of our clients' assets

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