ePrivate Banking is a multi-asset investment solution that covers equities, fixed-income US securities, non-US fixed-income securities and commodities. The portfolios also contain a cash component.
When defining your strategy you can choose to construct the optimal portfolio based on the parameters selected by the algorithm or personalise your investment universe based on your preferences. You can select or de-select currencies, overweight, underweight or exclude certain sectors or geographical zones, define which securities to exclude or include in your portfolio, or even define the level of liquidity to be maintained at all times.
Based on this information the algorithm then calculates the allocation to each of the four asset classes. In order to limit transaction fees linked to the number of investments in your portfolio without sacrificing diversification, ePrivate Banking uses ETFs when the amount allocated is not high enough to qualify as an asset class through direct investments. For each asset class, the algorithm defines three levels of granularity – general ETFs, specialised ETFs and direct investments – to ensure the optimal balance between diversification and transaction fees.