COMFORT guarantees professional management of your mandate
Opting for COMFORT will enable you to devote more time to your own projects and ideas. That's because your assets will be managed on a round-the-clock basis by experienced investment specialists from St. Galler Kantonalbank.
You don't need to do a thing; instead, you can safely entrust the research work, constant monitoring of the financial markets, evaluation of attractive investment opportunities and execution of transactions and related administration to our professional banking experts.
- Jointly formulate the desired investment strategy
- Establish the right type of mandate on the basis of personal preferences
- Consistent, systematic investment process within the defined strategy
- Constant monitoring of strategy
- Management of your mandate by the bank in accordance with the strategy:
- Analysis and assessment of individual securities
- Rapid response to market changes
- Tactical strategy changes
- Monitoring of risk positions (individual securities with indications of total loss)
- Monitoring of cluster risks
- Periodic rebalancing of the portfolio (with your personal strategy)
- Portfolio review in light of key crisis scenarios
- Simulation of impact of risk and return on proposed investments
- Periodic reporting including meaningful graphic illustrations of the performance of your assets and portfolio
- Tax statement
- Statement of all transactions
Financial and wealth planning
(for clients domiciled in Switzerland)
- Pension analysis
- Discounted financial planning, advice on inheritance issues and tax returns
We offer four different types of mandates. Your investor profile and preferred investment strategy are key to making the right choice. In this process, you will receive personalized advice and exemplary service from the experts at St.Galler Kantonalbank.
COMFORT «Classic»: Invest efficiently and at low cost
COMFORT «Classic» includes index-tracking and passive funds. Thanks to the simple, straightforward portfolio structure, your chosen investment strategy is implemented efficiently and at low cost.
COMFORT «Active»: Active management for superior performance
COMFORT «Active» focuses mainly on direct investments in bonds (supplemented by funds) and equity funds. Two key features make this a persuasive solution. Firstly, our portfolio managers only select funds that are among the best in their category ("best-in-class approach"). Secondly, direct investments in bonds allow active management of maturities and credit ratings.
COMFORT «Premium»: Targeted investment in first-class vehicles
COMFORT «Premium» focuses on direct investments (equities and bonds), supplemented by selected funds. The portfolio is characterized by global diversification, while taking account of up-to-date market assessments and analyses produced by our investment specialists.
COMFORT «Private»: Tailor-made for the individual portfolio
COMFORT "Private" offers you the opportunity to prepare an investment solution tailored to your exact requirements in consultation with our specialists. With this solution, we define with you the breakdown of investment categories, the types of instruments and the main themes, regions and sectors. For this exclusive service (from CHF 1 million), we charge an additional 0.20 % over the Premium price.
With COMFORT you pay 0.6 to 1.9 % per year – depending on type of mandate – for a comprehensive package of services and support.