Risk-Classes

CONSERVATIVE
BALANCED
DYNAMIC
LIQUIDITY

0 – 100%

0 – 100%

0 – 100%

Bonds, bond and real estate funds

0% – 100%

0 – 100%

0 – 100%

SHARES, SHARE FUNDS

0% – 30%

0 – 50%

0 – 100%

ALTERNATIVE INVESTMENTS*

These include the following: Hedgefunds, private equity, commodities (except precious metals), derivatives, options, less liquid real estate investments (usually redemption periods > 1 week)

0% – 30%

0 – 50%

0 – 100%

PRECIOUS METALS

0% – 30%

0 – 50%

0 – 100%

CURRENCY SHARE

REFERENCE CURRENCY

At least 70%

At least 50%

0 – 100%

FOREIGN CURRENCY

0 – 30%

0 – 50%

0 – 100%

LOMBARD CREDIT

No

No

Yes

LOSS RISK

Max. 20% p.a.

Max. 50% p.a.

Max. 100% p.a.