Personal advisor
Coordinates all activities, knows your goals and history – a reliable partner for all questions about your wealth.
Shaping wealth individually.
Your goals, values and life plans are individual. That is why we develop investment strategies based on your personal requirements – from proven investment solutions to tailor-made mandates.
With a clear investment approach, many years of experience and personal responsibility, we support you in the long-term development of your wealth.
Our mandate types at a glance
A rules-based approach using ETFs and funds with dynamic market allocation. The ideal entry point for investors who want to get to know the philosophy of HRK LUNIS AG — with institutional standards and systematic consistency.
The classic mandate is the proven foundation of our wealth management. We invest in the best products worldwide – regardless of the provider, based solely on the added value for you. The portfolio consists of equities, bonds, ETFs and retail funds.
If you want to direct your money specifically into sustainable sectors, this is the right choice. The Sustainability Mandate Plus invests in themes such as renewable energy, sustainable infrastructure or health and demographic change. Higher ESG requirements apply than for the classic mandate – and you still pay the same fees.
Dividend-oriented wealth management invests specifically in high-quality companies with sustainable and stable distributions. The aim is to combine long-term wealth accumulation with regular income and controlled risk. The focus is on substance, continuity and a long-term investment strategy.
The special mandate is intended for investors with individual requirements: excluding certain sectors, favouring certain regions, pursuing a specific hedging strategy. In short: if you are looking for tailor-made solutions, you will find them here. We implement what you want – within the limits of responsible investing, of course.
Two contacts. One expert team. One shared goal.
Portfolio manager
Implements decisions quickly and precisely, monitors risks and hedges your wealth against currency fluctuations.
Investment Office
Responsible for the entire capital market strategy – independent of banks, reviewed every 14 days, across all locations.
Analyse
We start with questions, not answers. We fully understand your personal and business situation – before we propose anything.
Structure
Based on the analysis, we develop a tailored strategy. We think in scenarios and use an open architecture – independent of individual providers.
Implement
Good plans also need to be put into practice. We ensure fast, quality-assured execution – every step documented, every decision traceable.
Support
A strategy is not a work of art. Markets and life circumstances change – your strategy must evolve with them. We review, inform and are available at all times.
Let’s talk about your individual wealth management
Simply use our convenient call-back service. We will get back to you shortly.
Our standards
Our standards
There are many wealth managers. What matters is who convinces over the long term. HRK LUNIS combines in-depth capital market expertise with entrepreneurial thinking, an independent investment philosophy and personal service. We develop individual solutions instead of standard concepts, act free of product targets and support our clients with clear recommendations, transparent decisions and a consistent focus on their goals.
Independent advice
without ties to individual product providers
Regular reporting
tailored to your preferred format and level of detail
Direct access to experienced portfolio managers
in our Investment Office
Flexible adjustment of the investment strategy
to changing personal or economic circumstances
Systematic integration of sustainability criteria (ESG)
into the investment process
Continuity of service
through a well-established team with comprehensive knowledge of your personal situation
Transparent and comprehensible cost structure
without hidden fees
Professional currency management
and continuous risk monitoring
Clear fees. Clear interests.
For us, transparency is the basis of a trusting relationship. That is why we agree with you a clear and comprehensible fee structure that suits your mandate and your requirements.
Fixed fee
With a fixed fee, you pay a pre-agreed fee for our wealth management – regardless of how often transactions are carried out in your portfolio.
This creates transparency and planning certainty. Investment decisions are based on your investment strategy and your goals – not on transaction-based fees. Our advisors will be happy to explain the option that suits you best.
Fixed fee with performance fee
Alternatively, a fixed fee with a performance-related fee (performance fee) can be agreed. In addition to a fixed base fee, an additional fee is only charged if the agreed conditions for investment success are met.
A hurdle rate defines the minimum return that must first be reached or exceeded. The high-water mark ensures that a performance fee is generally only charged again once previous highs – in accordance with the agreed calculation method – have been reached or exceeded again. This is intended to prevent the same performance from being remunerated more than once.
The specific fee structure as well as the amount, calculation and billing terms are agreed individually and set out transparently. Our advisors will be happy to explain the option that suits you best.
Let’s talk about a strategy for your wealth
Simply use our convenient call-back service. We will get back to you shortly.
Request a call back