
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.
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.
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.
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.
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.