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In times of change, it is necessary to know how to tailor your investments so you don’t miss prime financial opportunities. This is why, at Physis, we provide all of our clients with a personalized investor profile. Take advantage of Physis portfolio customization, and let’s understand together the relationship between risk & return and your goals moving forward.
Financial market products have two main aspects: risk and return. At Physis, we are adding the sustainability aspect. All investors should be taking these three main parameters into account before making decisions. Defining and planning your future requires financial organization in order to be effective.
Example 1: If you need to invest money for 3 months in order to afford a vacation, would buying a property be a good investment? No; the property does not have adequate liquidity for the intended purpose and won’t offer you the best proportion of risk and return.
Example 2: Retirement investment portfolios can be customized to maintain a certain standard of living. Is utilizing accumulated savings an alternative? No; this is because it is possible to use other products with the same risk and achieve greater returns.
The goal of an investor’s profile is to guide choices compatible with personal objectives, according to your risk tolerance and investment expectations. Investors have different reactions to different situations. It is important to plan for several investment alternatives as appropriate investment action will always vary between people based on whether they choose to be conservative, moderate or aggressive with their investments.
To define your investment profile, you need to answer certain questions. What is the goal of my investment? How long do I intend to use the money? What is the expected return on the investment I am considering?
At Physis, we help you through a step-by-step process in order to build your investment portfolios. The first critical step is defining your investment profile and selecting from the UN Sustainable Development Goals you most align with. After selecting the sustainable development goals that you care the most about, we will generate a list of funds from all asset classes that correlate to the chosen goals.
Once the universe of products is defined, clients set their financial goals and risk tolerance. After you have made your selection, you will be placed into one of the model portfolio allocations: low risk, medium risk, or high risk.
In the low-risk profile, portfolios are designed for clients that have less tolerance towards risk. Therefore, the resulting investment allocations will present less return but at the advantage of greater financial stability. For moderate investors, portfolios have a higher presence in the equity class. This provides a higher risk compared to allocations on the conservative portfolio but also presents investors with the possibility of more return. High-risk investors accept a higher level of volatility, in regards to their portfolio returns. Volatility in the high risk portfolios, however, enhances their chances of earning higher returns. Join Physis today to start working on your future!
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