DELTA COACHING

Frequently Asked Questions

What do I need to open an account?
A valid passport (no expired documents). US citizens are not eligible, even if they have dual nationality. Minors require the countersignature of a parent.

Is financial advice right for me?
We are prepared to take the time to advise you on your entire financial situation and provide an analysis based on your personal goals. Asset management is generally only appropriate if you are planning mid-term to long-term investments.

Can I also invest less than € 5,000.-?
The minimum investment for asset management is €5,000.-. There is, however, the option to save towards this sum using an accumulation plan (minimum deposit €1,000.-).

Which bank holds my account?
Our main depository bank is the Swissquote Bank. Your account will consequently be managed at a bank that is governed by Swiss banking law. The right bank is selected on the basis of the amount that is invested or the savings plan that is chosen. The choice of depository bank does not affect you as a client.

Where do I find up-to-date information about my investment?
As a client, you have online access to your account at any time of the day or night. You can see online the information on asset allocation and current performance.

Why does Delta asset management produce higher returns than other financial providers?
On the one hand, we actively manage our assets, i.e. cash is also held occasionally in order to take advantage of a more cost-effective entry for instance. On the other hand, we are independent of product providers and are able to select the best products for our clients.

Is it better to save every month or to make a lump-sum investment?
A combination of both options uses the cost-average effect to the best advantage.

In which fund will my assets be invested?
We invest in various funds, which are not predetermined. All funds are officially approved.

What is the difference between financial advice and a fund of funds that is offered on the market?
Asset management is a service; you instruct the Delta Asset Management to manage the funds on your own bank account in accordance with your wishes. A fund of funds is a product offered by a fund provider who aims to purchase various funds (sub-funds) based on a specified and prospected plan. The fund of funds is never as flexible as an asset manager and can only contain a small cash element in certain circumstances. It must adhere to its prospectus. In addition, the money is held in the fund provider’s fund instead of remaining on its own bank account.

Are funds from asset management clients used for building loans?
No, under no circumstances will we use our own money or that of our clients. We find local cost-effective banks in this sector, which then grant the client the appropriate loan. We conduct the initial search, choose the banks and provide assistance with the
financing plan.

Do you also offer asset management to foundations, very wealthy clients or pension funds?
Demand for our service has soared recently in this area. We offer institutional investors a service that is oriented towards the specific needs of the respective institution.

Can I withdraw money from my account when I need it?
You can basically access your account at any time. However, you should always bear in mind that asset management goals are only attainable if the amount invested is able to work for you over quite a long period. You may not derive any benefit from short-term
investments – depending on the market situation and fluctuations. We generally advise, depending on your attitude to risk, against investments with an investment horizonbelow four years.

What do I do if the stock market notches up large losses?
The best thing is to do nothing at all. The most reliable method of making long-term profits is to stick to your own investment goals. Short-term volatilities have little impact on the long-term positive performance of the strategic investment orientation. We are basically unable to eliminate market risk, however.