Avantage Service Best of ESG

With a management mandate, clients delegate the management of their assets to the investment experts at the Cantonal Bank of Geneva BCGE. The active investment strategy takes into account the client's risk tolerance and needs. The investment experts at Geneva Cantonal Bank are available to clients for the entire duration of the mandate.

The Best of ESG (Environmental, Social, Governance) mandate is available from CHF 100,000. Sustainable ESG criteria are taken into account in order to minimize environmental and social risks.

In addition, there is a monthly newsletter on market developments, asset allocation and the performance of the mandate, as well as a quarterly personalised performance report on asset allocation and currency allocation.

Additional benefits («Best of»): Annual meeting with your advisor, interest rate reduction for Lombard loans, invitations to special events, Avantageservice loyalty program with an additional savings interest rate of +0.5%.

The flat fee includes the following services and fees:
- Fees for account management and securities account
- Transaction costs
- Fees for the preparation of tax statements
- Quarterly statement of performance

The flat fee is a sliding scale. The flat fee is the same for all strategies. Invoices are issued quarterly. 

CHF 100,000 up to and including CHF 500,000: 1.5%.
From CHF 500,001 up to and including CHF 750,000: 1.4%.
From CHF 750,001 up to and including CHF 1 million: 1.3%.
From CHF 1,000,001 up to and including CHF 5 million: 1.2%.
From CHF 5,000,001: 1.0%.

Product fees (TER) are not included.

Transaction costs are included in the flat fee.

Products without kickbacks.

Stamp duty and VAT are included.

Not possible.

Investment objective: capital preservation and yield (Equities: 22%, Bonds: 70%, Cash: 8%).

Not possible.

Investment objective: achieve a balance between fixed-yield securities and capital gains (Equities: 44%, Bonds: 50%, Cash: 6%).

Investment objective: to achieve capital gains while maintaining a proportion invested in bonds (Equities: 66%, Bonds: 30%, Cash: 4%).

Investment objective: to aim for long-term capital growth through a strong focus on equity funds (Equities: 95%, Bonds: 0%, Cash: 5%).

Individual requests are possible. A customized mandate is drawn up on the basis of specific guidelines and/or restrictions defined by the client.