Managing your wealth  

Managing your wealth with the portfolio of your choice

As your assets grow, you begin to think about managing the wealth you have already acquired. You may want to re-allocate your savings or invest a major sum in order to increase their value. Whatever you wish to do, it depends entirely on your bias - planning your wealth is a matter of personal style. Some investors enjoy high risk investments, others prefer banking on a stable increase. Some buy equities, others invest in fixed income. Regardless of the style you follow, we at AllianzGI offer solutions that can be designed to suit your personal needs and targets.

Choosing an investment fund, you will acquire a performance product, utilizing the chances of both money and stock markets. The make-up of the portfolio you choose depends on your personal style, on your risk tolerance and on the time frame you set yourself.

Three types of investors

Being a conservative investor or calculating within a medium-term range of five to ten years, you might go for a portfolio based on return, which promises stable investments, increasing in value with a maximum consistency. Subject to your individual preferences, you might invest 70% of the portfolio's shares in fixed income and only 30% in equity funds. Nevertheless, these portfolios profit from the equities' dynamic return potential.

Investors who are still prudent, yet less shy of risks might decide on a portfolio focusing on balance. With its attractive return potential, it combines solid investment in fixed income with the equities' dynamic potential at a ratio of 1:1. Balanced portfolios are best suited for medium- and long-term investments.

Portfolios emphasizing growth are first choice for bullish investors, especially if they follow long-term goals. Applying rigorous risk control, growth portfolios buy up to 75% in international equities, as these have proven to yield high returns over a long period despite their short-term fluctuations. The portfolio's stability is supported by investing 25% of the shares in fixed income.