Analysis and optimization mandate

The analysis and optimization mandate meets your needs and allows you to improve the performance of your portfolio:

  • By improving the monitoring of your portfolio, you can avoid carelessness on the part of the bank/manager or abuses (excessive buying/selling of securities, preponderance of bank products, etc.)
  • By working on reducing fees, including hidden fees, we can reduce a factor that often causes portfolio underperformance.

The analysis and optimization mandate meets your needs

It allows you to improve the performance of your portfolio:

  • By improving the monitoring of your portfolio, we avoid carelessness on the part of the bank or the manager, excessive buying and selling of securities or the preponderance of the bank’s products;
  • By working on reducing fees, including hidden fees, it is possible to reduce a factor that is often at the root of portfolio underperformance.

Methodology of the analysis and optimization mandate

In a first step LGH & Associés will analyze your risk profile, your investment objectives and your financial situation in order to understand your needs.

In a second step , LGH & Associates will analyze your existing banking configuration:

  • The banking institution(s) used;
  • The contact person(s) with a role in the management (asset manager, mandate manager, assistant, trusted person, etc.);
  • The chosen management strategy (risk profile, possible volatility);
  • The method of implementation of the strategy (discretionary or advised management, management by direct lines and/or financial products, etc.);
  • The total management costs you pay including hidden fees (management fees, transaction costs, custody and administration fees, foreign exchange, issue fees, etc.);
  • Past performance (adequacy with risk profile, adequacy with respect to benchmarks, etc.)
  • Tax efficiency of the applied management (integration of your personal situation in order to integrate the tax burden).

In a third step, LGH & Associates will propose corrective measures if the current situation is not in line with the objectives you have set.

Thereafter, LGH & Associates will regularly monitor your portfolio(s) to ensure that they are evolving in line with the objectives you have set. Any deviation will be communicated to you in order to discuss the corrective measures to be taken.

  • A self-pay service: LGH & Associates will make you aware of the costs and risks. Very quickly, you will be able to reduce your costs considerably, which will largely cover LGH & Associés’ structural costs.

  • No need to change everything:
    Sometimes, negotiating with your facility by your outside expert, will get you satisfaction, without the need for change. You keep your habits (contact person, location, account numbers, bank cards, etc…). No additional documents need to be signed with the bank. This is a simple consulting mandate between you and LGH & Associés.
  • Required documents:
    • Asset statements with historical performance
    • Management fees, transaction costs, bank service fees, custody and administration fees
    • Client’s objectives and expectations.
  • Fees / analysis costs

It is possible for you to mandate us for a specific advice. However, follow-up over time will be more effective.

Our methodology

Assessing your situation

By starting with an exchange of ideas, by listening to your concerns and by popularizing the various problems you have to face (sometimes complicated by certain establishments in order to enhance their products), we clarify the individual needs in order to allow you to clearly understand the stakes and to arrive at the best strategic choices.

Analysis by our specialists

Audit by our network of bankers (asset managers, financial analysts, credit managers, SME and corporate managers), insurance experts, real estate experts, tax experts, lawyers and financial planners is a structure comparable to a "human-sized" family office. Our organization can easily be compared to the asset management of large fortunes or the management of your company's capital, and enables us to respond to your needs efficiently.

Optimization proposal and quote

We'll present you with the results of our specialists' evaluations and analyses, and help you make the right choices. Our solutions as well as our products allow you to benefit from our structure while keeping your relationships with your bank or your other providers. You benefit from transparent pricing, budgeted services, and fees negotiated directly by LGH with its various service providers.

Implementation of the solution(s)

After validation, we implement the different solutions. Together we set deadlines for each of our goals to improve follow-up.

Performance / risks / costs

We do not limit ourselves to the assets you entrust to us, but include in our thinking the whole of your assets. This approach allows us to take a global view. If, for example, you entrust us with the management of a securities portfolio, we define its importance and function together. Is it a simple liquidity reserve or does it represent a major part of your assets? Such a global vision allows us to control the overall risk for your assets. Moreover, it leads us naturally to a number of other considerations, in particular tax and inheritance, generating risk-free performance.

Follow-up / monitoring

Your wealth evolves throughout your life, influenced positively or negatively by your various private or professional situations, but also by changes in the law and the markets. We (LGH and our partners) have the expertise and the overview. As soon as an opportunity arises, we will notify you! It is unfortunate that you only act when you meet with your advisors. Tracking your business and monitoring your assets allows you to anticipate and make the right decisions, which will ultimately lead to sustainable wealth creation.

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The first step is without obligation!