Portfolios are a specialized HPB service that allows you to entrust the management of your financial assets to the Bank. According to your preferences and wishes, your Investment Adviser builds and manages your portfolio.
According to the agreed investment policy, the client and the Bank define the investment strategy based on which the entrusted assets are invested in different financial instruments. The Bank controls compliance with the limits, risks and investment strategies and reports to the client on a regular basis on the value movement of the financial instruments in the client’s account.
We offer different investment models created according to individual client preferences.
Below you may find three examples of such portfolios which are of an informative character and may be adapted according to the wishes, objectives and needs of the client:
Dominant investment in money market instruments (deposits, commercial and treasury bills) and debt securities (bonds) with a smaller investment share in equities (shares) and structured products.
The objective of the low-risk model is to preserve the invested asset value.
YIELD: created for investors with a low tolerance for risk, comparable to other low-risk investments (cash funds, deposits, etc.)
Investment as a combination of instruments with a fixed yield (e.g. bonds) and equities (shares) and structured products, as well as partial investment in money market instruments.
The objective of the moderate-risk model is to increase the invested asset value with moderate exposure to the stock market.
YIELD: created for a moderate-risk investor, i.e. investors who tolerate a change in the portfolio value to a certain extent. Yield varies due to both an increase and decrease in the value of invested assets.
Investment intended for investors with a longer investment horizon. The model focuses on investing almost the entire amount in equities (shares) and structured products in Croatia and abroad.
The objective of the model is to achieve maximum long-term growth of the invested asset value.
YIELD: intended for those investors willing to accept higher risk rates and oscillations in yield, in order to potentially achieve a more substantial yield on investment.