Under our management mandates we follow a strict code to ensure that our investments can perform flexibly in complex market environments. We adopt a management approach which is based on the delivery of profitable and sustainable investments, striving for short-term stability and long-term capital growth.
We follow rigorous analytical and investment methods which allow us to exercise prudence when providing advice and making decisions for our clients. Our aim is to preserve capital and protect your wealth.
We make sure that the service provided to our clients is suited to their knowledge, experience, objectives and financial situation. We apply the appropriate evaluation and comparison methods according to the investment objectives of each client and the various financial instruments in their portfolios.
Given the wide variety of client profiles and their different needs, we offer our clients management mandates for securities that are invested directly in various assets, or management mandates for third-party investment funds.
In both cases, our goal is to beat the benchmark index in the medium and long term while minimising the risks of the sudden drops which are inherent in financial markets.
The third-party fund mandate is an investment vehicle that offers attractive tax incentives for those clients who desire them.
Risk profiles range from investors who simply want to preserve their wealth, to investors who seek long-term capital growth and are ready to take the risks associated with stock market volatility and variable returns.
We have devised eight different investor profiles (income-oriented, defensive, conservative, moderate, balanced, assertive, aggressive and dividend-oriented) in order to provide each of our clients with a profile that suits their needs. We exercise great caution with respect to the risks that we are prepared to take.
At the Crèdit Andorrà Group, we have a team of personal managers and asset management experts who continually monitor our clients’ investments, analyse their performance and control risks in a comprehensive manner.
We are aware that the return on your investment depends on our efficiency and performance. This is why we constantly adapt to changes in the markets and adjust our fees in accordance with the return on your investments.
Our clients receive up-to-date information on their portfolio and transactions on a regular basis and on request.
