A disciplined path to
lasting wealth
We follow a conservative, systematic, long-term investment approach, with the objective of building and preserving wealth across generations. Our strategy is based on academic principles and rigorous research, refined by decades of market experience — and sustained through continuous personal contact with every investor we serve.
Investment philosophy
- Seeking to optimize returns per unit of risk through assets, geographical and sectoral diversification.
- Fixed income holdings selected to help stabilize the portfolio and capture credit spreads, within the risk of the underlying issuers and interest rate environment.
- Portfolios constructed around each investor’s risk tolerance and specific liquidity needs.
- Personalized advisory — continuous discussion of strategy and market developments.
Investment strategy
Strategic first, tactical when needed
- Focus on strategic allocation across asset classes, with infrequent modifications for long-term consistency of returns.
- Tactical portfolio adjustments driven by market developments and specific needs.
- Fundamental and value analysis over technical; contrarian as well as short-term momentum.
- Excess return per unit of risk pursued through range trading and occasional hedging.
‘We respect the Efficient Market Hypothesis — and still study behavioural finance, factor analysis, and the business cycle to know when markets forget themselves.’
Our Model Portfolios
Our Model
Portfolios
7 model portfolios across three mandates — sized to the portfolio, shaped to the family.
Allocations shown are illustrative; actual portfolios are tailored to each client’s objectives, risk profile, liquidity needs and investment horizon.
01
Equity Portfolios — Capturing the equity premium
We hold a long-standing conviction: that owning productive businesses, held through market cycles, has historically been one of the most effective ways to build wealth — while recognizing that equity ownership carries the risk of significant short-term loss. Core positions are held long-term, we favor market leaders with real earnings, and we devote as much time to preparing clients for volatility as to constructing portfolios. For time horizons longer than 10 years.
- Model I — below USD 1 million. Fully ETF-based, built on index funds for efficiency at smaller scale.
- Model II — USD 1–3 million. A concentrated core of leading stocks with broader ETF diversification; option overlays for income and exposure management.
- Model III — above USD 3 million. Individual large-cap market leaders across six or more sectors, complemented by ETFs for regions and themes; option overlays for income and exposure management.
02
Balanced Portfolios — One mandate, both engines
Constructed to the family’s needs, horizon and temperament:
- Moderate distributed by Insigneo Wealth — approximately 60% equities / 40% bonds. The portfolio seeks to deliver moderate growth and is appropriate for an investor with medium risk tolerance and a time horizon longer than 5 years.
- Conservative Plus distributed by Insigneo Wealth — approximately 40% equities / 60% bonds. For an investor with a lower risk tolerance and a time horizon from 4-6 years.
03
Bond Portfolios — Preservation, with a yield above it
Bonds in our portfolios are selected for the capital you may need on shorter notice — generally lower-volatility than equities, though still subject to interest rate and credit risk, with conversion to cash typically faster than for other asset classes. Portfolios combine single issuers and bond ETFs, scaled to size; larger portfolios focus on capturing credit spreads directly.
- Yield-Focused — investment-grade credit accepted at lower ratings for higher return.
- Conservative — government and single-A rated bonds; capital preservation as the primary investment objective. For an investor with low risk tolerance and a time horizon from immediate to no longer than 5 years.
04
Portfolios above USD 10 million - the mandate becomes yours alone
Beyond USD 10 million, model portfolios give way to fully bespoke construction. These mandates receive:
A portfolio built from first principles — direct holdings of individual equities and single-issuer bond ladders, constructed around the family’s existing assets, businesses, concentrations, and currencies rather than alongside them.
Multi-custodian architecture — assets booked across both jurisdictions and, where appropriate, several institutions — for security, pricing tension, and jurisdictional flexibility.
Bespoke risk management — custom hedging of concentrated positions, currency exposures, and liquidity events such as a business sale.
Generational structure — coordination with the family’s legal and tax advisors on the portfolio’s role in succession, so that what is preserved is also transferred.
Direct access — the partners who manage the capital are the people who answer the phone. Reporting is designed around the family, at whatever depth and frequency serves it.
These relationships are few by design. They begin with a conversation in Geneva.