We firstly wish to point out that we view investment counselling as far more than the straightforward provision of investment advice. We believe in providing our customers with comprehensive advice and in supporting them in all financial areas. Since this means you only require a single consultant for all your banking business, handling times are drastically reduced. We reach the correct investment decision together with you, consistently putting your interests first. With our knowledge of the financial markets we can ease your investment decision. We always take an individual’s tax situation into account and search for the best solutions together with you.

You decide for yourself what investments your portfolio should contain. You yourself should take an active role in the shaping of the securities. You also decide how often you wish to contact us and how often you wish to receive information from us. We are also able to offer you our research resources and assist you in the choice of securities. If needed, you can also benefit from our recommendations concerning buying, selling or restructuring.

The initial discussion with the customer marks the starting point of our investment counselling services. This takes the following points into consideration:

Sequence
| Step 1/5 - Strategic discussion
| Step 2/5 - Risk profile
| Step 3/5 - Strategic portfolio structuring (asset allocation)
| Step 4/5 - Tactical portfolio structuring
| Step 5/5 - Checking the success of the investment
Volksbank Aktiengesellschaft | FL-9494 Schaan | Feldkircher Strasse 2 | Telephone: +423 239 04-04 | Fax: +423 239 04-05 | E-Mail: info@volksbank.li
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Step 1 / 5
The purpose of this discussion is to create the conditions for a comprehensive consultation. To this end it is necessary to clarify the assets and income situation of the customer as well as establishing his particular investment goals and his long term investment horizon.
Step 2 / 5
This step sets out to establish the risk readiness and risk capacity of the customer.. Only when this has been done can we focus on the actual wishes of the customer regarding investment.
Step 3 / 5
In this step, a joint base strategy is developed in which the long-term financial structure is established. Risk optimisation of through diversification between asset classes (shares, bonds, liquidity and similar) as well as within an asset class, e.g., on the market and country level, are the main components here.
Step 4 / 5
This is used to take advantage of investment chances in an investment class, and possibly in order to make a short-term diversion from the strategic structuring. This normally occurs either through the over- or under evaluation of certain markets and/or sectors.
Step 5 / 5
This is done by measuring performance which means the performance of a security or portfolio over a certain period. This facilitates the checking of the investment policy and goals with the consequence of being able to complete the necessary adjustments.