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Why should you opt for a Best of management mandate?

2

SAVINGS

BCGE SHAREHOLDER

MORTGAGE LOAN

MANAGEMENT MANDATE

Calculate your bonus

SAVINGS

Plan your projects and save to protect yourself against unexpected expenses. Join the Avantage Service programme which will enable you to earn up to 2% extra interest
Open your Epargne account online and become a member of Avantage service

BCGE SHAREHOLDER

Participate in the growth of your bank
Hold at least 40 BCGE shares and receive +0.5% additional interest on your savings

MORTGAGE LOAN

Your online loan at the best conditions
Take out a mortgage loan with a minimum value of CHF 200,000 and earn +0.5% interest on your savings
MANAGEMENT MANDATE

MANAGEMENT MANDATE

Access professional asset management from CHF 50,000 and earn +0.5% additional interest on your savings
Because of our clear and simple investment philosophy
Which aims to capture the performance of the real economy without giving in to the whims of the moment's financial fads.
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Because of our clear and simple investment philosophy

The BCGE’s investment philosophy is founded on eight key principles:

  1. Finance is an applied art, not just a quantitative technique
  2. Performance is produced by the real economy and its companies
  3. Good asset allocation is the result of critical and selective choices
  4. The best investment values are found through open architecture
  5. High diversification increases returns and reduces risk
  6. The structural simplicity of a portfolio makes it more robust
  7. It is up to each investor to define his or her own objectives, time horizon and comfort with risk
  8. It is the investment philosophy that determines a portfolio's performance, not the size of the bank or the individual talent of its managers.
Investment Philosophy brochure
https://avantageservice.prd.bcgeintra.ch/documents/40912/48907/BCGE_brochure_philosophie+investissement_EN.pdf/cc9768c2-63c4-8af0-c941-8a3874c78333?t=1723627866563&download=true
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A proven investment strategy
Based on major economic trends for better investment clarity.
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A proven investment strategy
  • BCGE's investment strategy is based on a top-down approach, which consists of determining the main economic trends in order to derive forecasts concerning main financial variables (interest rates, equity markets, currencies).
  • These forecasts in turn affect how assets are allocated among the asset classes in current use (equities, bonds, money market investments).
  • Within each asset class, allocation is essentially based on geographical, currency and sector criteria.
  • The investment strategy is reviewed at least once every quarter. Its forecast horizon ranges from three to twelve months.
Essential stock selection guidelines
To help you capture the performance of the best external managers
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Essential stock selection guidelines
  • Bonds are selected according to the quality of the borrowers.
  • Equity investments are made through investment funds, selected on the market according to a totally open architecture principle. The BCGE Group therefore delegates to the best external managers the task of selecting the best equities available on the market.
  • The funds selected are primarily actively managed in order to generate additional performance relative to their benchmark index.
Portfolios continually managed in a standardised fashion
By a team of experts equipped with professional tools.
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Portfolios continually managed in a standardised fashion
  • We engage in construction and monitoring of 'pockets' of different asset classes within standard portfolios, according to risk profile.
  • We centrally manage client portfolios, which ensures that they are set up and monitored in a harmonised manner;
  • Performance is monitored on a continual basis.
Clear and transparent management
With flat-rate pricing, regular certified reports and a personal adviser.
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Clear and transparent management
  • The fees for Best of mandates are either charged in the form of a flat fee covering all activities related to the management of your mandate (all in fee), or according to the performance of your mandate (depending on the amount and profile).
  • You will receive detailed information on a regular basis, whether on market developments and how your Best of portfolio is performing in comparison, or on the quarterly performance of your mandate (net of fees).
  • Your adviser will get in touch with you on a regular basis and will be at your disposal for any questions you may have or in case your circumstances change, as well as to arrange a meeting for an annual review.
Proven resilience with a track record spanning more than 20 years
And acclaimed by thousands of clients.
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Proven resilience with a track record spanning more than 20 years
  • Founded in October 2001, Best of has demonstrated its resilience through tough times.
  • Nearly 7,000 clients hold a Best of mandate.

Our investment profiles

2
Best of
in CHF, EUR, USD, GBP from CHF 100,000
Benefit from the performance of the world's best companies in your reference currency.
Strategy options
Learn more
Best of
Investment goal
Investment horizon
Average annual performance net of flat fee
Performance is based on historical empirical values. It is not possible to guarantee a comparable performance in the future.
Defensive
Focus on capital preservation and return
Short to medium term
+0.05% (from 31.12.2010 to 30.09.2024)
22
55
23
0
Balanced
Focus on balance between fixed income investments and capital gains
Medium term
+1.39% (from 31.12.2010 to 30.09.2024)
14
40
46
0
Dynamic
Focus on generating capital gains, while also investing a portion in bonds and real estate
Medium to long term
+2.77% (from 31.12.2010 to 30.09.2024)
9
22
0
Agressive (World Equity)
Focus on long-term capital growth through a marked orientation on equity funds
Long term
+4.35% (from 31.12.2010 to 30.09.2024)
5
0
95
0
Investment strategies
Illustrative breakdown by asset type
Cash
Bonds
Equities
Real estate
Apply online
https://www.avantageservice.ch/en/best-of
We’d be happy to meet with you to discuss your options.
https://www.avantageservice.ch/en/contact
Best of Genesis
in CHF from CHF 50,000
Access professional asset management.
Strategy options
Learn more
Best of Genesis
Investment goal
Investment horizon
Average annual performance net of flat fee
Performance is based on historical empirical values. It is not possible to guarantee a comparable performance in the future.
Defensive
Focused on preserving capital and generating yield
Short to medium term
-0.23% (from 30.09.2019 to 30.09.2024)
22
55
23
0
Balanced
Focus on balance between fixed income investments and capital gains
Medium term
+1.21% (from 30.09.2019 to 30.09.2024)
14
40
46
0
Dynamic
Focus on generating capital gains, while also investing a portion in bonds and real estate
Medium to long term
+2.71% (from 30.09.2019 to 30.09.2024)
9
22
0
Agressive (World Equity)
Focus on long-term capital growth through a marked orientation on equity funds
Long term
+4.24% (from 30.09.2019 to 30.09.2024)
5
0
95
0
Investment strategies
Illustrative breakdown by asset type
Cash
Bonds
Equities
Real estate
Apply online
https://www.avantageservice.ch/en/best-of
We’d be happy to meet with you to discuss your options.
https://www.avantageservice.ch/en/contact
Best of ESG
from CHF 100,000
Maximise financial returns while having a positive impact on the environment and society.
Strategy options
Learn more
Best of ESG
Investment goal
Investment horizon
Average annual performance net of flat fee
Performance is based on historical empirical values. It is not possible to guarantee a comparable performance in the future.
Defensive
Focused on preserving capital and generating yield
Short to medium term
-0.04% (from 30.06.2020 to 30.09.2024)
22
55
23
0
Balanced
Focus on balance between fixed income investments and capital gains. Seeking primarily responsible and/or sustainable assets
Medium term
+1.22% (from 30.06.2020 to 30.09.2024)
14
40
46
0
Dynamic
Focus on generating capital gains, while at the same time investing a portion in bonds. Seeking primarily responsible and/or sustainable assets
Medium to long term
+2.42% (from 30.06.2020 to 30.09.2024)
9
22
0
Agressive (World Equity)
Focus on long-term capital growth through a marked orientation on equity funds. Seeking primarily responsible and/or sustainable assets
Long term
+4.09% (from 30.06.2020 to 30.09.2024)
5
0
95
0
Investment strategies
Illustrative breakdown by asset type
Cash
Bonds
Equities
Real estate
Apply online
https://www.avantageservice.ch/en/best-of
We’d be happy to meet with you to discuss your options.
https://www.avantageservice.ch/en/contact
Best of Swiss Economy
from CHF 100,000
Opt for a dynamic strategy while investing primarily in Swiss assets.
Strategy options
Learn more
Best of Swiss Economy
Investment goal
Investment horizon
Average annual performance net of flat fee
Performance is based on historical empirical values. It is not possible to guarantee a comparable performance in the future.
Dynamic
Focus on generating capital gains, while also investing a portion in bonds and real estate. Overweight position in Swiss assets
Medium to long term
+4.07% (from 31.05.2014 to 30.09.2024)
3
13
69
15
Dynamic ESG
Focus on generating capital gains, while also investing a portion in bonds and real estate. Investments are primarily made in Swiss assets that are considered sustainable
Medium to long term
+3.58% (from 31.05.2014 to 30.09.2024)
3
13
69
15
Investment strategies
Illustrative breakdown by asset type
Cash
Bonds
Equities
Real estate
Apply online
https://www.avantageservice.ch/en/best-of
We’d be happy to meet with you to discuss your options.
https://www.avantageservice.ch/en/contact

Best of community perks

2
+0.5% interest on your savings account

With the Avantage service loyalty programme and a Best of management mandate, you can earn 0.5% additional interest on your BCGE Epargne account.

Best of credit option

Your safety net. With our Best of credit, you’ll benefit from a credit limit of 50% of the amount of your mandate.

Rate benefits

No fees on your tax statement or Visa Platinum card (subject to conditions).

Invitations to special events

You’ll be invited to our Best of cultural events, held in distinguished locations (subject to conditions).

To take advantage of these benefits...

2

Begin investing in a few clicks

https://www.avantageservice.ch/en/best-of

Find out more about our Jonction advisory mandate.

https://www.bcge.ch/en/mandat-placement-jonction-private-banking

More products = more interest

EPARGNE

+0.5%

BCGE SHAREHOLDER

+0.5%

MORTGAGE LOAN

+0.5%