User Manual for Yadicant models including: LI1212200672 Digital Investment Management Mandate, Digital Investment Management Mandate, Investment Management Mandate, Management Mandate, Mandate
File Info : application/pdf, 4 Pages, 2.90MB
DocumentDocumentDigital Investment Management Mandate Our investment management mandate is the perfect solution for you if you want our experts to manage your investments while focusing on the sustainability topics or goals you care about. Guided by our core values of sustainability and transparency, our investment management mandate helps you invest your money in financial instruments designed to generate long-term returns while contributing to the achievement of the 17 UN Sustainable Development Goals (SDGs). Product features Type: Investment management mandate Availability: Purely digital and available 24/7 mobile Reference currency: CHF Minimum investment: CHF 1'000 Foreign currencies: Investments may be affected by foreign currency fluctuations (e.g. EUR, USD, GBP, JPY) Fees: Transparent annual fees (details on page 4) All investment components with an impact-oriented sustainability approach from a single source Investment process with a focus on diversification and impact themes Transparent SDG Impact Rating assessing the impact of companies and their products on the achievment of the 17 UN Sustainable Development Goals Active portfolio management no passive strategies (e.g. ETFs) Ongoing financial and SDG assessments of existing and new investments radicant SDG Impact Rating With radicant's wealth management, your portfolio will have a positive impact on the achievement of the UN Sustainable Development Goals (SDGs) at all times. This corresponds to an SDG Impact Rating of +20 upwards. -100 >20 +100 radicant bank ag February 2024 01 Investment Universe Our investment universe consists 100% of building blocks managed by radicant. Your portfolio can be composed out of 3 investment funds and 8 SDG-aligned tracker certificates. Our investment products are broadly diversified and designed to generate competitive returns over the long term while making a positive contribution to the SDGs. Investment funds T M , n Investment Company: LG Fund gmt. Company Ltd. Liechtenstei M , Z Investment anager: radicant bank ag urich Global Sustainable Equities Global Sustainable Equities ISIN: LI1212200672 Factsheet link Swiss Sustainable Equities Swiss Sustainable Equities ISIN: LI1212200698 Factsheet link Global Sustainable Bonds Global Sustainable Bonds 4 ISIN: LI121220071 Factsheet link Tracker Certificates - radiThemes Zü K , Z h Issuer: rcher antonalbank uric M , Z Investment anager: radicant bank ag urich Climate Stability Climate Stability ISIN: CH1139780097 Brochure link Healthy Ecosystems Healthy Ecosystems ISIN: CH1139780113 Brochure link Basic Needs Basic Needs ISIN: CH1139780089 Brochure link Gender Equality Gender Equality ISIN: CH1139780139 Brochure link Good Health & Well-being Good Health & Well-Being ISIN: CH1139780063 Brochure link Societal Progress Societal Progress ISIN: CH1139780147 Brochure link Clean Water & Sanitation Clean Water & Sanitation ISIN: CH1139780121 Brochure link Quality Education Quality Education ISIN: CH1139780071 Brochure link radicant bank ag February 2024 02 Portfolio Composition Yawhodeeudagricttiivaowenniytcthoooumuaptphboterosopea2odys"oSgsuilabortibeplialtollyirtctetfoosom"l.siopetofrsaoitmfiuorndt,hifyefoerurfeocncatunbsfuooinlcduicnsegrotbnalioSncwSkiDsssGonsfettshhseaitnraatdrheicepa"naCtrotiirncevu".elaWsrtlmiytheclnootusruenrtaiovdeiyTroshueer.mInes Investor profile (Core) E(rqisukitpyr/ofBiloen) d weighting SDG focus (Satellite) A(SdDdGu-palitgon2edoucet rotfifi8cartaedsiT) hemes aRlelosucalttiinogna(sesxeetmplary) Global Sustainable Equities SuEsGqtlauoiibntiaaelbsle SusGBtolaonibndaaslble Optional Swiss Focus SuEsqStawuiiintsiasebsle SCtlaimbialittey EcHoesaylsttheyms NBeaesdics EGqeunadlietry &GoWoedllH-beeailnthg PSroocgieretasls ClSeaannitWaatitoenr & EdQuucaalittiyon Swiss Sustainable Equities Global Sustainable Bonds SDG aligned certificates Core equity building block Core equity building block Core bond building block Investment Strategy and Asset Allocation Btsehtqareusaeitotedypgtociiemnosm,ayotlphumoernixieennqodtufi,vilttioydhwuec-aomrlmisroikpsreokannrpeidrsnokhtfyiiilgsbeh,uaewtlrl-oearlcispsaouktetpidntovotbegeasenstttmehiadeelrlnoyytnmosyuioonrrueparelbrruisrscookrnaapdtairlvodienfiivvtleeheressatinpfmidecerasnfteotiolresmnctratfaoinotrceneyg.o.yTuha.enOdhfidogehuterer5rtmhiene STRATEGY Cautious Very low risk OBJECTIVE & RISK Yyrseootrtuuaurrtrenoagssbisjeceesoct.m sti.vpYeaoriusedatoctcoperrpeitsskeloirewvreer Conservative Low risk Balanced Medium risk Dynamic Medium to ih gh risk Growth iH gh risk Yyrisneoomctuuurarrerllnaoinrssbvie.sjee kiscnsttmiawvneeednaistlftslhaut.cosYttouaeuacathdaioiycencvseepint Yorwaseohcritdutcouheerrrtrpnob-tttsbaoe.mjlear amcnectcdhifeviilueedumvcirestisruygikasoo-tkuotisoardnkadirsnneedgsitnu.irYrenodsu Yfacfrloeoorutecuncuurswtrsuinodeialsbedltijrniieonaogcbnntttsliheovheteiroagilihcsosrkcnerpseaegpr-ltaiiuttmznerednarmhrsi.il.gyYh ou Yotrareeoonvttwueduurrarrsrnntoidigsbmpsn.jeoeiYhfctoiitectguoinahvnatemeictasiactlsf.xlepug ipmocettsaiuhzsreeaiigbtdhylioeornuissrks GLOBAL PORTFOLIO Cash 2% Equity 20% Bonds 78% PORTFOLIO WITH SWISSNESS Cash 2% EWqouriltdy 15% Swissness 5% Bonds 78% Cash 2% Equity 40% Bonds 58% Cash 2% EWqouriltdy 30% Swissness 10% Bonds 58% Cash 2% Equity 60% Bonds 38% Cash 2% Equity 80% Bonds 18% Cash 2% EWqouriltdy 45% Swissness 15% Bonds 38% Cash 2% Equity World 60% Swissness 20% Bonds 18% Cash 2% Equity 98% Bonds 0% Cash 2% EWqouriltdy 73% Swissness 25% Bonds 0% radicant bank ag February 2024 03 Our Investment Process in Line with the SDGs Our investment process begins with a rigorous construction of a radicant net positive impact investment universe based on our proprietary SDG Impact Rating. To ensure that all companies and bonds in the funds are of high quality and have a positive net impact on the SDGs, our model analyzes a wide range of financial metrics for each security in the radicant investment universe. radicant then creates a portfolio of selected stocks and bonds that is optimized for risk and return profile using modern portfolio theory. Lastly, it is your turn to fund your portfolio. Onboarding First investment Reporting Monitoring Today Finish onboarding and initially fund your account Fees Next working day See your money in the investment account Within first week Your money has been invested 2-3 working days after the first investment Get access to reporting Reporting Health checks Rebalancing of the investment modules within the mandate Investment amount F F CH 1'000 - CH 24'999 F F CH 25'000 - CH 99'999 F F CH 100'000 - CH 249'999 from CHF 250'000 Wealth management feeé è The fees presented in this document reflect the standard rates for this investment management mandate. Please note that other offers or promotions may be available, which are not reflected here. Wealth Management Fees 0.90% p.a. 0.80% p.a. 0.65% p.a. 0.50% p.a. Fees includeé è Asset management feeÔ è Trading feeÔ è Custody feeÔ è Stamp dutÇ è Value Added Tax (VAT) Product costs 0.40 - 0.47% p.a. (depending on the selected strategy and building blocks) Product costs includeé 3 Sustainable funds: 0.40% p.a. of the invested amount (which include 0.25% admin fee to LGT Fund Management Company Ltd.Ç 3 radiThemes (SDG-aligned certificates): 0.75% p.a. of the invested amount (which include 0.25% admin fee to Zürcher Kantonalbank) Legal disclaimer This document is provided for information purposes only and is intended solely for persons resident in Switzerland. This document is not directed to any person for whom restrictions on the distribution, publication or use of this information would be contrary to the laws or regulations applicable to them. Such persons may not access or use this information. In particular, the information is not directed at "U.S. persons" within the meaning of the United States Act of 1933, as amended, and the United States Securities Exchange Act of 1934, as amended, or persons resident in the United States of America. radicant does not guarantee, warrant or assume any liability for (i) the accuracy, completeness, availability, reliability or timeliness of the information provided: (ii) the authorization for sale, distribution or offering of financial instruments; (iii) the future performance of financial instruments: or (iv) any investment decision or action taken in reliance on, the information contained. The past performance of any financial instrument, investment product or investment strategy does not guarantee future performance. This document may contain estimates or statements. Although these statements reflect the views and future expectations of radicant, various risks, uncertainties and other factors could cause actual performance and results to differ materially from these statements. radicant undertakes no obligation to update or revise any such statements, whether as a result of new information, future events or otherwise, and makes no representation or warranty as to the accuracy, timeliness, reliability or completeness of such statements. The opinions and estimates expressed by radicant reflect the view of radicant at the time of publication and do not constitute individual investment, legal or tax advice. The value of financial instruments may rise or fall at any time. The future performance of financial instruments cannot be derived from historical performance. For this reason, good performance in the past is no guarantee of positive performance in the future. Investments in foreign currencies may be subject to currency fluctuations and involve higher risks. Accordingly, radicant cannot guarantee or warrant the preservation (or even the increase) of the values presented. You should not make any (investment) decision based solely on the information provided here. You are solely responsible for obtaining sufficient information about specific investment products. Investments in financial instruments can be speculative and can lead to losses as well as profits. Your capital may be exposed to risk when you enter into any of the investments described herein. You are aware of these risks. radicant bank ag February 2024 04