Investment Portfolios

Investment Portfolios linked directly to your Global Personal Account. Capital Preservation and Growth. Tailored to your risk preferences. Transparent portfolios composition. Fully manageable from your smartphone. No entry or closing fee. 

At a Glance

Fully managed portfolios in three currencies – GBP, EUR and USD

  • Four different risk-profiled strategies – Shelter, Defensive, Growth and Aggressive;
  • Responsibly Managed Portfolios to keep their performance in line with your goals as market conditions change, at minimal possible cost;
  • Integrated with your banking – buy and sell directly from your Global Personal Account;
  • Fully functional mobile app to follow and manage your portfolios;
  • No entry or closing fee;
  • Full transparency of portfolio composition.

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Unique investment philosophy

Our primary goal is to preserve your wealth. It means we are protecting your assets from high volatility and losses in the first place by managing risk and looking for growth opportunities in the second place.

Strategies based on Nobel Prize-winning research

Contrary to price, volatility is to some extent predictable. Robert Engle's seminal work on it was recognized with a Nobel Prize in Economics in 2003. We use his findings to build models predicting market volatility. These models run in real-time, helping us to monitor and adjust the portfolios in accordance with your risk appetite.

Risk tailored to investment horizon

Each strategy has a different investment horizon and risk profile. ‘Shelter’ and ‘Defensive’ portfolios, with limited downside risk, are best suited for short-term investments. Long-term investors who accept temporary volatility should choose ‘Growth’ and ‘Aggressive’ strategies with higher potential returns.

Transparent Strategies investment goals

Golden Sand Bank strategies’ composition truly reflects their purpose. Safe portfolios are designed to preserve capital in a 3 years’ time horizon and to minimize risk, as they do not contain any equity instruments. This is opposite to market standards, where such strategies may have up to 25% of equities, which makes them in fact risky.

Cost efficiency

Thanks to cutting-edge technology and use of ETFs (Exchange Traded Funds) we can offer our strategies at a fraction of the classic Wealth Manager costs.

Shelter Strategy

The Shelter Model Portfolio Strategy is an investment strategy which is aimed at protecting the capital by investing in fixed income instruments with a relatively short maturity, high liquidity, and prime asset quality. The strategy manager will allocate the strategy assets primarily to instruments based on short and medium-term: government bonds, quasi-treasury bonds, municipal bonds, prime quality corporate bonds, money market instruments and cash in order to ensure a steady income. This strategy is intended for investors who have a conservative approach to risk and for other investors who want to minimize the risk during the turbulent market environment. Due to the distinctive investment objectives, the investment timeframe is not specified.

The Shelter strategy is intended for investors who want to minimize their investment risk whilst expecting a stable income which exceeds the “risk-free” rate and short-term, high-quality bank deposits.

Shelter USD

The Shelter Model Portfolio Strategy, denominated in USD, is focused on the United States (US) financial instruments and secondary non-US instruments. The proportion of these instruments within the portfolio is determined by the investment limits of a maximum exposure in a specific sector, asset etc. and the strategic asset allocation which is determined and constantly monitored by the Investment Committee. The largest share within the portfolio, according to the maximum allocation limits, should be US Treasury bonds and US Quasi-treasury bonds or cash. The U.S. government enjoys the highest credit rating granted by the three biggest credit rating agencies (S&P, Moody’s and Fitch). Quasi-treasury bonds are debt instruments issued by quasi-government organisations or national agencies. They are characterized by a slightly higher yield than government bonds, but these bonds are also rated very high due to a very low default ratio. Fixed income ETFs listed in the United States of America are characterized by higher liquidity, compared to ETFs in other parts of the world.

Shelter EUR

The Shelter Model Portfolio Strategy, denominated in EUR, is focused primarily on European financial instruments. The proportion of these instruments within the portfolio is determined by the investment limits of a maximum exposure in a specific sector, asset etc. and the strategic asset allocation which is determined and constantly monitored by the Investment Committee. The largest share in the portfolio, according to the maximum allocation limits, should be European government debt and European quasi-government debt or cash. The allocation among European government and quasi-government bonds includes the biggest issuers of European Union like France, Italy, Germany etc. which have credit ratings from the lowest investment grade to the highest AAA and equivalent. Non-EU financial instruments acquire a small ratio within the portfolio and a minimal investment grade credit rating is obligatory.

Shelter GBP

The Shelter Model Portfolio Strategy, denominated in GBP, is focused on the United Kingdom (UK) financial instruments and non-UK instruments. The proportion of these instruments within the portfolio are determined by the investment limits of a maximum exposure in a specific sector, asset etc. and the strategic asset allocation determined and constantly monitored by the Investment Committee. The largest share of the portfolio, according to the maximum allocation limits, should be The United Kingdom gilts, which are considered low-risk investments and can be treated as equivalents of U.S. Treasury securities. The U.K. gilts are issued by the British government and are currently rated as a high-grade category, at AA or equivalent level. Payments on gilts are collateralized by U.K government and corporate bonds, which are issued by British blue-chip companies and highly credit-worthy government agencies, can be considered as low-risk and high quality. These can be called in some terms gilt-edged securities.

Defensive Strategy

The Defensive strategy aims to ensure a stable income with a medium-low level of risk by investing in a diversified portfolio of financial instruments. The strategy manager will actively allocate the strategy assets exclusively to fixed-income instruments with medium and long-term maturities, such as treasury bonds, quasi-treasury bonds, municipal bonds, investment grade corporate bonds and in addition: money market instruments or cash, in order to achieve a higher income than money markets. This type of strategy is dedicated to investors who are expecting a better rate of return than bank deposits and medium-term treasury bonds offer. The strategy should be classified as medium liquid. The timeframe to deliver the investment objective is expected to be from 3 to 5 years.

Understanding the basic interest rate risk, basic credit risk and simple macroeconomic issues is a prerequisite for the defensive investment strategy.

Defensive USD

The Defensive Model Portfolio Strategy, denominated in USD, is focused primarily on the United States (US) financial instruments and secondary non-US instruments. The proportion of these instruments within the portfolio is determined by the investment limits of a maximum exposure in a specific sector, asset etc. and the strategic asset allocation which is determined and constantly monitored by the Investment Committee. The largest share in the portfolio, according to the maximum allocation limits, should be US Treasury bonds and US quasi-treasury bonds or cash. The U.S. government enjoys the highest credit rating granted by the three biggest credit rating agencies (S&P, Moody’s and Fitch). Quasi-treasury bonds are debt instruments issued by quasi-government organisations or national agencies. They are characterized by a slightly higher yield than government bonds, but these bonds are also rated very high due to a very low default ratio. Fixed income ETFs listed in the United States of America are characterized by greater liquidity, compared to ETFs in other parts of the world.

Defensive EUR

The Defensive Model Portfolio Strategy, denominated in EUR, is focused primarily on European financial instruments. The proportion of these instruments within the portfolio is determined by the investment limits of a maximum exposure in a specific sector, asset etc. and the strategic asset allocation which is determined and constantly monitored by the Investment Committee. The largest share within the portfolio, according to the maximum allocation limits, should be European government debt and European quasi-government debt or cash. The allocation among European government and quasi-government bonds includes the biggest issuers of European Union like France, Italy, Germany etc. which have credit ratings from the lowest investment grade to the highest AAA and equivalent. Non-EU financial instruments acquire a small ratio within the portfolio and a minimal investment grade credit rating is obligatory.

Defensive GBP

The Defensive Model Portfolio Strategy, denominated in GBP, is focused on United Kingdom (UK) financial instruments and non-UK instruments. The proportion of these instruments within the portfolio is determined by the investment limits of a maximum exposure in a specific sector, asset etc. and the strategic asset allocation which is determined and constantly monitored by the Investment Committee. The largest share within the portfolio, according to the maximum allocation limits, should be The United Kingdom gilts, which are considered low-risk investments and can be treated as equivalents of the U.S. Treasury securities. U.K. gilts are issued by the British government and currently rated as a High-Grade category, at AA or equivalent level. Payments on gilts are collateralized by U.K. government and corporate bonds are issued by British blue-chip companies and highly credit-worthy government agencies which can be considered as low-risk and high quality. These can be called in some terms, as gilt-edged securities.

Growth Strategy

The Growth investment strategy aims to provide a stable, long-term, capital growth which is consistent with the medium-high risk category by investing in a diversified portfolio of financial instruments. The strategy manager will actively allocate the strategy assets to defensive financial instruments such as fixed income, but also equity instruments to provide a source of diversification and capital growth. This strategy is to be offered to investors who seek a high single-digit growth and who can potentially accept a double-digit loss during the investment period. The timeframe to deliver the investment objective is expected to be from 5 to 10 years.

Growth investment strategies are suitable for the more experienced investors who are seeking returns beyond long-dated fixed-income instruments. However, investors must be also prepared for significant value volatility of this strategy in periods of high market fluctuations.

Regardless of the investor’s experience, however, a significant appetite for risk is an absolute prerequisite for the growth investment strategy.

Growth USD

The Growth Model Portfolio Strategy, denominated in USD, is primarily focused on the United States (US) equity and fixed income financial instruments, however, it may also contain non-US instruments which are primarily denominated in USD. The proportion of these instruments included in the portfolio are determined by the investment limits of a maximum exposure to a specific asset class and individual financial instruments (e.g. ETFs) which are determined by the investment strategy. The largest share within the portfolio shall have US equities and US fixed income instruments. The US equity market is perceived as the largest and most diverse in the world, offering unique investment opportunities.

Growth EUR

The Growth Model Portfolio Strategy, denominated in EUR, is primarily focused on European equity and fixed income financial instruments, however, it may also contain non-EU instruments which are primarily denominated in EUR. The proportion of these instruments included in the portfolio are determined by the investment limits of a maximum exposure to a specific asset class and individual financial instruments (e.g. ETFs) which are determined by the investment strategy. The largest share within the portfolio shall have European equities from developed markets - primarily UK, France and Germany, as well as a European fixed income instruments. The European equity market is also well diverse in terms of the geographical allocation however it is more homogeneous in terms of diversification between different business sectors.

Growth GBP

The Growth Model Portfolio Strategy, denominated in GBP, is primarily focused on the United Kingdom (UK) equity and fixed income financial instruments, however, it may also contain non-UK instruments which are primarily denominated in GBP. The proportion of these instruments included in the portfolio are determined by the investment limits of a maximum exposure to a specific asset class and individual financial instruments (e.g. ETFs) which are determined by the investment strategy. The largest share within the portfolio shall have UK equities and UK fixed income instruments. The UK equity market is perceived as the largest and most diverse in Europe, offering unique investment opportunities.

Aggressive Strategy

The Aggressive investment strategy aims to maximize returns which are consistent with a high risk category by investing in a diversified portfolio of financial instruments. The strategy manager will actively allocate the strategy assets primarily to equity instruments with a low share of fixed-income financial instruments or cash, as the strategy primary objective is asset appreciation. This strategy is to be offered to experienced investors, who seek a high double-digit growth and who can potentially accept a high double-digit loss during the investment period. The timeframe to deliver the investment objective is expected to be over 5 years, however, given the high risk profile of this Strategy, the preferable investment timeframe should be approximately 10 years.

The Aggressive investment strategy is especially suitable for very experienced and long-term investors due to the long investment timeframe and the significant risk of lengthy periods of high market fluctuations. Regardless of the investor's experience, however, a high appetite for risk is an absolute prerequisite for the aggressive investment strategy.

Aggressive USD

The Aggressive Model Portfolio Strategy, denominated in USD, is primarily focused on United States (US) equity, however, it may also contain non-US instruments which are primarily denominated in USD. The proportion of these instruments included in the portfolio are determined by the investment limits of a maximum exposure to a specific asset class and individual financial instruments (e.g. ETFs) which are determined by the investment strategy. The largest share within the portfolio shall have US equities. The US equity market is perceived as the largest and most diverse in the world, offering unique investment opportunities.

Aggressive EUR

The Aggressive Model Portfolio Strategy, denominated in EUR, is primarily focused on European equity, however, it may also contain non-EU instruments which are primarily denominated in EUR. The proportion of these instruments included in the portfolio are determined by the investment limits of a maximum exposure to a specific asset class and individual financial instruments (e.g. ETFs), which are determined by the investment strategy. The largest share within the portfolio shall have European equities from developed markets - primarily UK, France and Germany. The European equity market is also well diverse in terms of the geographical allocation, however it is more homogeneous in terms of diversification between different business sectors. Financial and healthcare sectors have the highest share in the European equity market.

Aggressive GBP

The Aggressive Model Portfolio Strategy, denominated in GBP, is primarily focused on the United Kingdom (UK) equity financial instruments, however, it may also contain non-UK instruments which are primarily denominated in GBP. The proportion of these instruments included in the portfolio are determined by the investment limits of a maximum exposure to a specific asset class, business sectors and individual financial instruments (e.g. ETFs) which are determined by the investment strategy. The largest share within the portfolio shall have UK equities. The UK equity market is perceived as the largest and most diverse in Europe, offering unique investment opportunities.

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