What exactly do we mean by „investment advice in the client-advisor team“?

Those looking for classic consultants will not find what they are looking for at IBB. We see ourselves as advisors, service providers, inspirers and sparring partners. And, of course, as an expert. Someone who has been taking care of financial investments for many years and therefore knows the business particularly well. This creates – together with the customer – a team of two with a common goal.

What is particularly important here?

Hard work is the basis for good results. But we don’t think that’s enough. To be very good, we need a trusting relationship with our customers. We see investment advice as a journey that we want to take together with you. To do this, it is important to understand not only your goals, but also you as a person: What is important to you? How do you decide? Personal understanding paves the way from mere consultant to genuine team partner.

How much experience does IBB have in this area?

Our experience is in the minds – and hearts – of our employees. We are proud that each of our advisers has been working with investment portfolios, financial planning and supporting discerning clients for at least a decade. Over the years, one learns something that goes far beyond any investment theory: prudence. Those who want their assets planned and managed for the long term will appreciate it.

Every investment portfolio is exposed to risks. Some are obvious. Many are hidden. Investing successfully also means understanding the risks, taking them in a targeted manner or minimising them. But to do that, you need to know what they are. Our free risk assessment can help with that.

As part of the IBB Risk Check, experienced advisers take a close look at your portfolio and assess it for risks such as:

1. Market risks

• Price fluctuations in shares, bonds or funds
• Risk of inflation: real returns are falling
• Exchange rate losses on foreign currencies

2. Issuer and credit risks

• Creditworthiness issues affecting companies or countries
• Credit risk associated with individual securities

3. Structural risks

• Concentration risks: excessive exposure to individual securities, sectors, regions or asset classes
• A lack of diversification, which further exacerbates other risks
• Imbalance between safe and high-risk investments

4. Systemic risks

• Economic downturns or financial crises affecting entire markets
• Political intervention, sanctions or new laws
• Market or stock exchange closures in times of crisis

5. Liquidity risks

• Hard-to-sell securities that can only be sold at a discount during periods of market stress

6. Behavioural and management risks

• Bad timing when buying or selling
• Psychological pitfalls such as panic selling or herd behaviour

Investment in capital markets is associated with risks and may lead to the complete loss of the invested assets. Please refer to our notes on capital investments