Secure Wealth offers 5 core multi-asset portfolios made up exclusively of ETFs, with a full ESG overlay. Between them they offer a solution for every risk appetite at some of the most competitive TERs (Total Expense Ratios) in the industry today.

SWM ETF PORTFOLIO PRODUCT SUITE

Our portfolios are available to your clients in three forms:

Within a UBS-issued Certificate

(minimum initial investment USD 10,000 or equivalent)

Our UBS-issued Certificates have a Swiss ISIN and are available in USD, GBP and EUR classes. All have 24-hour liquidity and daily pricing. Our Certificates can be held within any insurance bond wrapper. Trail-fee or institutional classes are available.

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Within a managed account

(minimum initial investment USD 100,000 or equivalent)

The client (be it a person, corporation or trust) has full control and ownership of their account at all times. Managed accounts offer the ability to withdraw up to 70% of the account value as a cash loan, at highly competitive interest rates. A typical arrangement would involve the client investing an amount in our conservative portfolio, and drawing down, say, 50% against this in the form of a loan. There is no paperwork involved, and the client can pay back the loan at any time.

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On the Novia Global investment platform

Our ETF portfolios are available as models for advisors to use on the leading Novia Global investment platform.

Novia combines the latest in platform technology, online functionality, investment choice and management information. The platform gives advisers complete control over their clients’ investments, with full visibility in real-time.

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We can deliver a management fee of c.0.55% per annum to our partner firms.

The net portfolio management fee can be as little as 0.55% for partner firms using our managed accounts for their clients (gross management fee of 0.70%, less estimated income from ETF lending 0.15% per annum). This ranks amongst the most competitive management fees in the industry for actively managed portfolios.

By only using the lowest cost, most liquid ETFs, we also ensure that the total expense ratios for our portfolios are highly competitive.

FIXED-INCOME ETF PORTFOLIO

Our fixed-income ETF portfolio is a globally-diversified portfolio made up exclusively of fixed-income ETFs (Exchange Traded Funds). It is available in four versions: standard, 30% loan, 50% loan and 70% loan (please see the section on segregated accounts above for details of the loan arrangement). It is made up mostly of government bonds and investment-grade corporate bonds.

The target net annual return is 2%-4%, with volatility below 5%.

The SWM fixed-income ETF portfolio is suitable for investors seeking income within a low-risk portfolio, and who wish to prioritise capital preservation.

CONSERVATIVE ETF PORTFOLIO

Our conservative ETF portfolio is a globally diversified, multi-asset class portfolio made up exclusively of ETFs (Exchange Traded Funds). It is available in four versions: standard, 30% loan, 50% loan and 70% loan (please see the section on segregated accounts above for details of the loan arrangement).

It has a high focus on capital protection, and equity exposure is limited to a maximum of 40%. Both government and corporate bonds typically have a high weighting. The target net annual return is 3% to 5%, with volatility below 5%.

The conservative portfolio is suitable for those who wish above all to preserve their capital and guard against sharp market declines, whilst earning a commensurate return.

BALANCED ETF PORTFOLIO

Our balanced ETF portfolio is a globally diversified, multi-asset class portfolio made up exclusively of ETFs (Exchange Traded Funds). It is available in three versions: standard, 30% loan and 50% loan (please see the section on segregated accounts above for details of the loan arrangement). It contains broadly equal weightings in equities and bonds. The target net annual return is 5%-7%, with volatility between 5% and 10%.

The balanced portfolio is suitable for those who desire some equity exposure whilst still keeping volatility low.

GROWTH ETF PORTFOLIO

Our growth ETF portfolio is a globally diversified, multi-asset class portfolio made up exclusively of ETFs (Exchange Traded Funds). It has a high equity weighting, typically 80% or more. The target net annual return is 6%-9%, with volatility between 8% and 13%.

The growth portfolio is suitable for those targeting long term capital growth, yet with a lower volatility than most equity investments.

EQUITY ETF PORTFOLIO

Our equity ETF portfolio is a globally-diversified portfolio made up predominantly of equity ETFs (Exchange Traded Funds). The portfolio must hold at least 80% equities at all times, the typical weighting is around 90%.

The target net annual return is 7% – 10%, with volatility of 10% -15% (in-line with typical equity volatility).

The SWM equity ETF portfolio is suitable for investors targeting long term capital growth.

We also offer a 100% leveraged equity ETF portfolio. This portfolio is only available to our managed account clients who are targeting aggressive capital growth with a high risk tolerance.

50% and 100% leveraged versions of the SWM equity ETF portfolio

For investors with a high risk tolerance, we also offer a 50% leveraged and 100% leveraged version of our core equity ETF portfolio.

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