FINVIA
FINVIA
Podcast
26.3.2025
Financial markets are complex and many investors underestimate the risks and opportunities of their investments. Without sound knowledge, emotional decisions or a lack of diversification can lead to financial losses in the long term. Professional investment consulting helps to develop structured investment strategies based on individual goals and risk profiles. In contrast to wealth management, where a financial service provider actively manages the capital, investment consulting remains a supporting service. What exactly does investment consulting do and what issues can it address?
Traditional portfolio theories are increasingly reaching their limits in today's market environment, as market cycles are more volatile. As a result, modern investment strategies need to rely more on data-driven analysis rather than subjective assessments or market sentiment. But this is easier said than done - even experienced investors are often susceptible to cognitive biases and emotional decisions. To counteract this, an objective basis for decision-making is needed. Quantitative analyses and predictive models can help here, for example through the use of machine learning or big data analyses. These enable a more precise assessment of opportunities and risks, minimize emotional mistakes and help to align portfolios for the long term. This creates a reliable basis for sustainable investment success.
Investment consulting can help solve a variety of challenges. Below is a selection of issues that can be resolved through investment consulting.
A broadly diversified portfolio is the key to risk management. It helps to avoid cluster risks and reduces dependence on individual asset classes or regions. Through targeted diversification, opportunities for returns can be exploited without taking disproportionate risks - across different market phases.
Unforeseeable events such as price slumps, geopolitical tensions or economic crises can cause considerable losses. A professional risk strategy combines hedging instruments, liquidity reserves and robust portfolio constructions. In this way, investors remain capable of acting even in uncertain times - with a clear focus on their long-term goals.
Financial markets are subject to constant change. A flexible strategy means regularly analyzing, reassessing and actively managing opportunities and risks. If you can adapt your investment strategy to new conditions, you will remain confident and future-oriented even in dynamic market phases.
Sophisticated multi-year planning combines traditional investments such as equities and bonds with alternative investments such as private equity or real estate. Individual NAV and cash flow developments, transaction costs as well as planned portfolio cash flows and private payouts are incorporated into the planning. The result is a structured portfolio with a long-term focus and controlled risk.
Strategic asset allocation is the key lever for long-term investment success. It defines how wealth is sensibly distributed across different asset classes - based on objectives, risk tolerance and time horizon. A long-term perspective helps to withstand short-term market fluctuations and work consistently towards your own financial roadmap.
There are numerous ways in which professional investment advice can be implemented in practice. The focal points range from strategic portfolio alignment and risk management to the optimization of existing investment guidelines. Below we present three specific examples to give you an impression of how personalized solutions have been successfully implemented.
For one private client, the focus was on how various macroeconomic scenarios and expected returns could affect his portfolio over the next ten years. On the basis of a detailed analysis, the investment strategy was aligned in such a way that it would also endure under different market conditions. Both defensive and opportunity-oriented elements were taken into account in order to create an optimal balance between stability and growth.
The advisory board of a single family office was faced with the challenge of precisely assessing the investment risks of a highly concentrated strategy with significant holdings in a small number of companies. A comprehensive analysis and quantification of these risks made it possible to develop targeted hedging strategies. The result: a more resilient portfolio that ensures a good balance between risk and return.
A foundation had to adapt its long-standing investment strategy to changing market conditions and new regulatory requirements. The previous investment guidelines also lacked targeted incentives for asset managers to achieve above-average performance. In order to solve these challenges, the investment guidelines were revised and a performance-oriented incentive system was developed. This ensures that asset managers are motivated to generate sustainable returns while at the same time allowing for controlled risks.
Professional investment consulting offers valuable support to minimize risks, make targeted use of opportunities and achieve long-term financial goals. Whether for private clients, family offices or foundations - tailor-made advice ensures a sound investment strategy that is geared towards individual needs.
Let us advise you now without obligation - and benefit from our expertise for a successful investment strategy.
FINVIA's experts have decades of experience in consulting and implementation - in wealth management, family office and asset management. Our approach ranges from in-depth analysis and strategic planning to operational implementation. We combine proven methods with customized solutions and innovative approaches to achieve your individual financial goals in the long term. We always act completely independently, without being influenced by commissions or external incentives. Our recommendations are based solely on the best interests of our clients. You can find out more about our investment consulting services here.
FINVIA
26.3.2025
Benjamin Moritz
Financial markets are complex and many investors underestimate the risks and opportunities of their investments. Find out here how professional investment consulting helps to manage risks through structured investment strategies.
Financial markets are complex and many investors underestimate the risks and opportunities of their investments. Without sound knowledge, emotional decisions or a lack of diversification can lead to financial losses in the long term. Professional investment consulting helps to develop structured investment strategies based on individual goals and risk profiles. In contrast to wealth management, where a financial service provider actively manages the capital, investment consulting remains a supporting service. What exactly does investment consulting do and what issues can it address?
Traditional portfolio theories are increasingly reaching their limits in today's market environment, as market cycles are more volatile. As a result, modern investment strategies need to rely more on data-driven analysis rather than subjective assessments or market sentiment. But this is easier said than done - even experienced investors are often susceptible to cognitive biases and emotional decisions. To counteract this, an objective basis for decision-making is needed. Quantitative analyses and predictive models can help here, for example through the use of machine learning or big data analyses. These enable a more precise assessment of opportunities and risks, minimize emotional mistakes and help to align portfolios for the long term. This creates a reliable basis for sustainable investment success.
Investment consulting can help solve a variety of challenges. Below is a selection of issues that can be resolved through investment consulting.
A broadly diversified portfolio is the key to risk management. It helps to avoid cluster risks and reduces dependence on individual asset classes or regions. Through targeted diversification, opportunities for returns can be exploited without taking disproportionate risks - across different market phases.
Unforeseeable events such as price slumps, geopolitical tensions or economic crises can cause considerable losses. A professional risk strategy combines hedging instruments, liquidity reserves and robust portfolio constructions. In this way, investors remain capable of acting even in uncertain times - with a clear focus on their long-term goals.
Financial markets are subject to constant change. A flexible strategy means regularly analyzing, reassessing and actively managing opportunities and risks. If you can adapt your investment strategy to new conditions, you will remain confident and future-oriented even in dynamic market phases.
Sophisticated multi-year planning combines traditional investments such as equities and bonds with alternative investments such as private equity or real estate. Individual NAV and cash flow developments, transaction costs as well as planned portfolio cash flows and private payouts are incorporated into the planning. The result is a structured portfolio with a long-term focus and controlled risk.
Strategic asset allocation is the key lever for long-term investment success. It defines how wealth is sensibly distributed across different asset classes - based on objectives, risk tolerance and time horizon. A long-term perspective helps to withstand short-term market fluctuations and work consistently towards your own financial roadmap.
There are numerous ways in which professional investment advice can be implemented in practice. The focal points range from strategic portfolio alignment and risk management to the optimization of existing investment guidelines. Below we present three specific examples to give you an impression of how personalized solutions have been successfully implemented.
For one private client, the focus was on how various macroeconomic scenarios and expected returns could affect his portfolio over the next ten years. On the basis of a detailed analysis, the investment strategy was aligned in such a way that it would also endure under different market conditions. Both defensive and opportunity-oriented elements were taken into account in order to create an optimal balance between stability and growth.
The advisory board of a single family office was faced with the challenge of precisely assessing the investment risks of a highly concentrated strategy with significant holdings in a small number of companies. A comprehensive analysis and quantification of these risks made it possible to develop targeted hedging strategies. The result: a more resilient portfolio that ensures a good balance between risk and return.
A foundation had to adapt its long-standing investment strategy to changing market conditions and new regulatory requirements. The previous investment guidelines also lacked targeted incentives for asset managers to achieve above-average performance. In order to solve these challenges, the investment guidelines were revised and a performance-oriented incentive system was developed. This ensures that asset managers are motivated to generate sustainable returns while at the same time allowing for controlled risks.
Professional investment consulting offers valuable support to minimize risks, make targeted use of opportunities and achieve long-term financial goals. Whether for private clients, family offices or foundations - tailor-made advice ensures a sound investment strategy that is geared towards individual needs.
Let us advise you now without obligation - and benefit from our expertise for a successful investment strategy.
FINVIA's experts have decades of experience in consulting and implementation - in wealth management, family office and asset management. Our approach ranges from in-depth analysis and strategic planning to operational implementation. We combine proven methods with customized solutions and innovative approaches to achieve your individual financial goals in the long term. We always act completely independently, without being influenced by commissions or external incentives. Our recommendations are based solely on the best interests of our clients. You can find out more about our investment consulting services here.
About the author
Benjamin Moritz
Dr. Benjamin Moritz is responsible for Quantitative Investment Research at FINVIA.
After completing his degree in business mathematics at Koblenz University of Applied Sciences, he worked at Sal. Oppenheim in Cologne from 2008 to 2018. There he managed the cross-divisional investment processes for the bank's strategic asset allocation and annual investment outlook. He was also jointly responsible for tactical asset allocation for institutional and private clients and was the portfolio manager responsible for five public and special funds.
In addition to his work, he completed his doctorate at the LMU Munich under Prof. Stefan Mittnik from 2012 to 2018. He presented his research work in the field of computer-based text analysis for asset allocation and machine learning for stock selection worldwide and received two awards. In 2018, he continued his career at the newly founded HQ Asset Management. There he developed an investment platform and cross-divisional investment processes for asset allocation and stock selection, where he integrated his research results.
Since 2017, he has regularly supervised students from LMU Munich, UC Berkeley and TU Munich, for example, on master's theses and industry projects on current investment research topics.
