Your path in 30 clear steps
Financial Foundation
Create clarity about your starting point, goals, liquidity, obligations and personal risk profile before making investment decisions.
01
Assess Your Financial Starting Point HonestlyCreate a reliable overview of income, expenses, assets, liabilities and existing dependencies.
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Goals, Time Horizon and PrioritiesTurn general wishes into concrete financial goals with an amount, date, importance and priority.
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Liquidity and the Safety ReserveDefine an appropriate liquidity reserve and clearly separate emergency funds from investment capital.
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Debt, Obligations and Risk CapacityAssess liabilities, ongoing obligations and their effect on your actual ability to bear investment risk.
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Your Personal Future AllocationDevelop a realistic and flexible rule for how much available income regularly flows into reserves and long-term goals.
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Understanding Risk: Capacity, Need and ToleranceDistinguish financial risk capacity, required risk and emotional risk tolerance and identify possible conflicts.
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Your Investment Policy StatementFormulate a personal rulebook for goals, liquidity, risk, permitted building blocks, limits, due diligence and rebalancing.
PreviewPortfolio Architecture
Understand asset classes, risk-return relationships, diversification, costs and liquidity and turn them into a resilient structure.
08
An Overview of Asset ClassesUnderstand the core functions, return sources, risks and liquidity characteristics of major asset classes.
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Return, Risk and CorrelationUnderstand why return should never be viewed in isolation and how different risk drivers interact in a portfolio.
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Apply Diversification CorrectlyDistinguish genuine diversification from mere quantity and spread risk across classes, regions, issuers, currencies and time.
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Costs, Fees and Tax FrictionCapture one-off, ongoing and indirect costs and assess their long-term impact without replacing tax advice.
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Liquidity and AccessibilityAssess how quickly, at what price and under which conditions capital is actually available.
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Equities and Broadly Diversified OwnershipUnderstand the economic role of equities, the difference between individual stocks and broad diversification, and key valuation and concentration risks.
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Bonds, Money Markets and Defensive Building BlocksDistinguish interest-rate, duration, credit, inflation and currency risk and understand the potential role of defensive assets.
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Real Estate as a Wealth Building BlockEvaluate real estate by use, cash flow, financing, concentration, workload, liquidity and location dependence.
PreviewBuilding Blocks & Due Diligence
Classify investment building blocks, review providers and products systematically and identify warning signs, counterparty risk and concentration.
16
Gold, Commodities and Real AssetsClassify real assets by function, return source, custody, costs and contribution to risk.
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Crypto Assets as a High-Risk Building BlockUnderstand volatility, technology, custody, regulatory and fraud risks and define clear limits for high-risk capital.
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Private Markets and Alternative InvestmentsEvaluate private equity, credit and alternative assets by illiquidity, valuation, governance, fees and information rights.
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Due Diligence: Understand the Business ModelAnalyse how a provider or investment makes money, what resources it requires and how losses can occur.
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Regulation, Custody and CounterpartiesReview jurisdiction, authorisation, ownership structure, custody, insolvency protection and the counterparties involved.
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Warning Signs and Unrealistic PromisesRecognise common patterns of investment fraud, misleading sales and indefensible return promises and define clear stop criteria.
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Position Sizing and Loss LimitsDerive position limits from total wealth, loss capacity, liquidity and conviction.
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Your Strategic Asset AllocationDevelop a target allocation with clear roles, ranges and risk budgets for different wealth building blocks.
PreviewImplementation & Control
Translate your strategy into contribution rules, rebalancing, documentation, security routines and a realistic 12-month plan.
24
Contribution Plan and Gradual ImplementationDevelop a realistic contribution and implementation plan that considers liquidity, target weights, market uncertainty and execution.
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Rebalancing with Fixed RulesDefine when and how target deviations are corrected and how costs, taxes and new contributions are considered.
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Behavioural Biases and Decision DisciplineRecognise common psychological biases and build decision rules, waiting periods and documentation to prevent impulsive actions.
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Security, Access and DocumentationBuild secure access, backups, documentation and an emergency or succession process for your assets.
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Portfolio Monitoring Without Daily AnxietyDevelop clear monitoring with useful metrics, fixed review dates and explicit escalation rules.
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Working with Qualified ProfessionalsDecide when tax, legal, insurance or investment specialists are needed and how to assess qualifications, remuneration and conflicts of interest.
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Your 12-Month Wealth PlanCombine your starting point, goals, future allocation, IPS, target allocation, contributions, rebalancing, security and monitoring in a realistic annual plan.
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