CapitalatWork

Investing in stock and bond markets has never been more of a challenge. At CapitalatWork, we make the whole experience simpler for you by discussing at the outset exactly what you are looking for from your investments.

We combine your specific requirements with our own detailed knowledge of dimensional markets, and come up with an approach tailored to meet your needs over the medium term.

Once we have agreed on an asset allocation that is right for you, then we take over from there, establishing and managing your portfolio so as to provide the appropriate balance between income and capital growth and taking into account other factors such as your tax position and specific preferences. Of course, we also take care of all the associated administration and paperwork.

We report regularly to you on the progress of your portfolio and there is always someone here to answer any questions you may have, about any aspect of your investments.

Our client’s money is of course never allocated to a single investment but rather to a diversified portfolio of free-cash-flow generating businesses which we think are undervalued. Diversification across companies and industries is of paramount importance to reduce unnecessary risk. Portfolio composition and risk management, whether for individual or institutional clients, is subjected to very clear guidelines.

The slide below gives you our best estimate for the return a long-term investor (10 years) can expect from a portfolio with 60% equities, 20% nominal bonds and 20% inflation linked bonds. This expected return of 8.86% is based on our best estimates for the future expected returns of these three asset classes. For the fixed income investments, we take the current yield to maturities of our two bond funds. For the equity investments, we take the average expected return of our core and own equities. It is very important that this is our best effort. It is not a guaranteed return.

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You can consult the average expected returns by clicking on the below categories.

• Category 1 - No (0 %) Equities 100% Bonds
• Category 2 - Max 25 % Equities Min 75 % Bonds
• Category 3 - Max 50 % Equities Min 50% Bonds
• Category 4 - Max 75 % Equities Min 25% Bonds
• Category 5 - Max 100 % Equities

• Through all our offices you can open an account. Just like in any bank.
• It is a personal account, segregated from other clients’ accounts and from CapitalatWork’s own accounts. Opening an account basically comes down to signing a couple of documents of which the asset management agreement, articulating the client’s investment guidelines, is possibly the most important.
• Clients can put money on their account, once and everytime they want to and clients can at all times withdraw money from it on simple request!
• We have a clear and straightforward tariff for our services.
• Clients receive clear account statements and information on their investments, on a regular basis, by mail or on our website.