Which investments make it into your portfolio? The answer lies in our tried-and-tested quality approach. Every investment is evaluated in a rigorous selection process. The rule is simple: the better the investment, the more quality points it receives.
We put equities, bonds and funds – we put them all through their paces and then give them a quality rating. We take a holistic view of investments and are not blinded by good individual results. Our rating system enables you to immediately see how we currently assess the quality of an investment based on the quality points awarded.
Mandatory equity selection criteria include defensible competitive advantages and a solid balance sheet. For bonds, we invest exclusively in investment-grade issues. These are credit ratings ranging from ‘AAA’ to ‘BBB’ according to the S&P metodology or “Aaa” to ‘Baa3’ according to the Moody's methodology. In addition, we examine the features of each issue very closely.