There's inflation eating your money. Every day, month, year and so on... So how to protect your savings in the long-run?

If you want to keep your wealth safe and protected, you should diversify. This means putting it in a lot of assets, so if some of them fail - and they generally will - your wealth will still grow over time in average.

But what I see is that majority of people rather try to reinvent the wheel and ignore what's working for decades already and what big players like banks and foundations are using.

Read on and learn how do I invest with my clients to high quality value, with low costs associated. 

Who am I?

What do I do?

I help individuals to protect and grow their wealth sustainably, so they can reach their financial goals and, ultimately, financial independence.

I believe you shouldn't experiment with your hard-earned money. That's why I follow practices that's been well proven by history. One of an example is Nobel Foundation portfolio, that proved itself already since 1950.

Nobel Foundation portfolio

Allocation is 65% into stock, 10% into gold, 10% into real estate, 13% into global bonds and 2% is kept in cash. Portfolio is monitored carefully on weekly basis. If there's need, there's automatic rebalancing taking place. It's also hedged against currency risk. With all fees applicable, my clients are reaching average annual return of 5,5% p.a. NET on this particular portfolio.

I work with many other famous portfolios, such as All Seasons portfolio by Ray Dalio, or investment allocation by Warren Buffett. But for now, I assume you might have some unanswered concerns:

Isn't it better to just stick with my checking account / guaranteed savings accounts?

Maybe you've experienced poor returns on your previous investments in a mutual fund from your bank or advisor, and now you're a bit cynical and prefer to keep the money at your checking account. If that's so, it's fair and I completely understand, but let me tell you what will happen, if you really do so:

Average interest rate on checking accounts is currently around 0,5% p.a., but inflation is around 2%, so over period of 20 years your money will cumulativelly loose 26% of their value. That's around 130.000 CZK out of 500.000 CZK. 

If you placed the money into Nobel Foundation portfolio instead, you'd gain over 500.000 CZK return. It's net, after inflation adjustment. 

The example of investment of 500.000 CZK for 20 years in comparison with checking account is showed in the table below:

Can I loose my money?

I guess you've definitely heard of someone who lost their money in the markets already. So how can you be sure that won't happen to you?

Every company can bankrupt. Even your own bank where you have your checking account can. And even countries can, and they actually do (look at Greece crisis in 2015). And because security is the absolute top priority for me and for my clients, instead of picking a single "best" investment, we diversify.

This means putting money into many assets and across many countries, instead of placing everything on a single bet. This has been proven by decades as arguably the safest approach of how to store your wealth.

And it's nothing new, it's very well tested. The portfolio of Nobel Foundation in it's current form is there since 1950 and is a living proof that it's possible to have a profitable long-term strategy that's secure at the same time.

Will you recommend me what's good for me, or what pays you bigger commissions?

I'm not paid by commissions. I'm paid by you directly, which insures I'll always be at your side of the table.

Depending on the amount of money invested and complexity of your situation, this is what the price is:

- One-time set-up fee: 5.000 - 10.000 CZK
- Management fee: 0,39 - 1,99% p.a.

And that's it. There are no entry fees, no additional transactional costs you'd normally pay to your broker, no fees for changing the strategy, no withdrawal fees. Yearly service meetings, currency hedging and regular weekly rebalancing, which all plays key role in the long-term strategy, is included in the management fee.

With me, you'll invest into low-cost ETF funds that offer extremely low fees. Selected portfolios of those ETFs have inner cost of 0,15 - 0,39% p.a. This means that total yearly cost of the portfolios together with the management fee is raging within this interval:

- 0,54 - 2,38% p.a.

Is it expensive?

Let's compare the price with one of the very popular mutual funds - Amundi CR All-Star Selection (ISIN: CZ0008474517). You can invest into this fund through KB bank, or with help of your financial advisor. This is what you'll pay if investing 1.000.000 CZK in total:

- 5% entry fee - 50.000 CZK
- 2,53% p.a. management fee

Sometimes your bank can reduce the price of the entry fee to usually somewhere around 3%. Still, the cost is many times higher as you can see. Not mentioning three additional facts:

1. It's only one fund, with inflexible strategy and no options to prepare yourself for safe withdrawal
2. It's proven that activelly managed mutual funds are lagging in terms of performance compared to passive ETF funds. That's why I choose to work with the former ones [add references to related research]
3. Advisor or bank is paid upfront by entry fee. This motivates them to choose more expensive options, and to juggle with your portfolio often to get more commissions. This has been proven as toxic strategy for your long-term wealth [add references to related research]

Why you should invest with me and not with your bank / local advisor?

I bet you have many other options where to invest. You even might be confused by the wide range of possibilities. Maybe you're even tired of all the people and institutions trying to get access to your wallet already, every single one claiming they have the "best" investment for you that you can't really find anywhere else.

Believe me, I've been there and I understand. Let me give you some clarity.

Look at this picture:

Try to find a single person that didn't use any of the products or services of those companies during the last month. I bet you'd struggle with the task.

Those companies, and many others, are daily used by thousands of people around the globe that can't imagine living their life without them anymore. Those companies bring true value to the world. If you invest into those companies, with every single sale they make, you'll earn as well.

You won't really find anything better or safer than that. That's why institutions like Nobel Foundation use it for more than 70 years already.

So how do I really invest with my clients?

I invest in a selection of thousands of companies like the ones listed above. I use ETF funds for it, because:

1. They offer extremely low fees ranging within 0,15 - 0,39% p.a.
2. They offer wide diversification - you can invest in plenty of companies easily

This is very different from what banks can offer to you. They often offer mutual funds with up to 10 times higher fees and lower diversification. Also, instead of keeping firm strategy, they're motivated to juggle with your portfolio often to get more commissions, which is bad for your long-term profit.

Your wealth will be managed by Edward investment platform, connected to Wood & Company broker - the largest one in the Central and Eastern Europe with history since 2002. This enables me to offer you investment services on the highest technological standards possible, insuring flexibility and top security for your wealth.

In case you're still having some questions, here's a short Q&A:

Why should you trust me?

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