INVESTMENT PHILOSOPHY

S.AG Private’s mission is to provide clients and their families with sustainable financial peace of mind by preserving wealth and building a legacy for future generations. Our investment philosophy is founded on experience, expertise, and rigorous due diligence, forming a resilient foundation against market fluctuations. Through a balanced approach that integrates qualitative and quantitative insights, we design portfolios that combine passive and active management to control risk while aiming for outperformance. Guided by principles of wealth preservation, long-term growth, and capital protection, we employ a disciplined investment process that emphasises global asset allocation, ensuring diversified exposure across asset classes, geographies, and sectors to fully leverage the benefits of uncorrelated investments.​
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When we construct our portfolios, we look into two parts:
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Beta Investments, which produce returns through passive management and normal market risk.
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Alpha Investments, which are actively managed to generate better returns than the benchmarks. These investments are not related to the general market.​​​​
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Our core investment principles and beliefs are:​​​
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Diversification is key. Comprehensive, global asset allocation can neutralise the risks specific to individual securities. Diversifying across 15 or more uncorrelated assets reduces risk-to-return ratio significantly, because uncorrelated assets do not move together and do not deter each other.
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Risk and return are related. The compensation for taking on increased levels of risk is the potential to earn greater returns.
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Portfolio structure explains performance. The asset classes that comprise a portfolio and the risk levels of those asset classes are responsible for most of the variability of portfolio returns.
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Active management. We believe that through experienced active management and extensive research can portfolios be best positioned to weather different financial situations.
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Investing with a long-term vision. any investment must not be done for short-term gain by anticipating the market’s ups and downs. We are not a believer in predicting short-term swings, no matter the asset.
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Sustainable and Responsible Investing. We incorporate environmental, social, and governance considerations into our investment strategies, reflecting our dedication to responsible investing and long-term value creation.