Rethinking
investment relationship
Traditional approach
The Problem with Traditional Banks
- Investment Models: One-size-fits-all approach, regardless of client profile.
- Self-serving Products
- Promoting own bonds for internal financing.
- Selling external funds (e.g. BlackRock, JP Morgan, UBS) with high
- High commissions (often hidden commissions)
- Recommending complex structured products that are often costly for the client, opaque in structure and return highly profitable for the bank via (hidden) fees
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- Conflict of Interest: Bank earns more when the client overpays or underperforms.
The Cost of Conflict of Interest
- Bank earns commissions, not based on performance.
- Clients receive standardized portfolios with minimal real diversification.
- Misleading complexity hides true performance and risk.
- Results: low returns, high costs for clients and strong earnings for banks.
ICAM approach
Methodology
- Active Portfolio/Investment management
- Strict cost and risk control is at the core of our strategy.
- Each investment decision is designed solely to meet the client’s goals, not to serve institutional interests.
- No product-push, no retrocession schemes, no bias.
- Greater transparency, clearer portfolios, and ultimately more efficient and profitable outcomes.
Differences
- True Independence: no external influence
- Cost Discipline
- Risk Awareness: no hidden leverage or complexity
- Aligned Interests: we win only when the client wins
