We provide a personalised investment strategy to help clients achieve their objectives, based on their risk tolerance, financial situation, and appropriate time horizon. We regularly adjust our investment strategies to reflect changes in market conditions, the prevailing economic cycle, and client expectations.
Securities transactions and safekeeping
We create new opportunities for the active investor looking to diversify their investment portfolio. Through our platform, you can acquire a range of listed and unlisted securities, such as bonds, stocks, or fund units/shares, and safekeep them in your securities account. At Redgate, your assets are kept securely. We operate under the license issued by the Estonian Financial Supervision Authority, and investments held at Redgate are protected by the Investor Protection Sectoral Fund up to an amount of 20,000 euros.
What do we mean by investment advisory?
We offer investment advisory service with a global view and provide our clients personalised investment recommendations and create an individual investment plan based on their objectives, financial situation, and risk tolerance. Our investment strategies are designed by professionals and the choice of instruments is determined on the basis of extensive experience and comprehensive analysis. We continuously adapt our investment strategies in response to changes in market conditions and the prevailing economic cycle. As investment advisors, we can only offer recommendations that are suitable for each specific individual – there is no one-size-fits-all solution that works for everyone.
We have a client-centric approach
At Redgate, we develop a personalised investment strategy to help clients achieve their goals. This strategy is built upon the client’s objectives, financial situation, and risk tolerance, and we continually adjust it as needed. To facilitate this process, we kindly ask clients to complete a questionnaire, which serves as input for providing personalised recommendations. While providing the investment advisory service, a personal account manager assists clients in implementing an investment strategy suitable for their needs. Additionally, clients gain a comprehensive overview of their assets and their management, including regular market analyses and reviews.
Our investment advisory service is available for clients with portfolios starting from 200,000 euros.
Typically, an investor’s assets are allocated across various asset classes. Although the composition of investors’ portfolios can vary significantly, the general allocation often includes: cash, illiquid investments such as real estate etc., and finally, investments in more liquid securities. In our advisory approach, we consider the investor’s risk profile and objectives, focusing on increasing the proportion of investments in liquid securities within the overall asset mix to better diversify risks and achieve reasonable returns. In our view, this type of portfolio constitutes the core, while other investments are satellites (such as investments in unlisted Baltic bonds, Baltic fund units, private loans, start-up investments, etc.).
The core is the most significant part of financial investments, serving as the foundation for the entire investment strategy. The investment horizon for the core can essentially be perpetual because continuous advisory services are provided for the core. Moreover, the core is always open to investments, as it reflects our up-to-date understanding of the assets expected to perform the best and their respective allocations. The core should constitute a larger portion of the investments.
What does the core consist of?
The core is a global collection of highly liquid assets, with the allocation between assets depending on the economic cycle and our current view of financial markets. The core primarily consists of various exchange-traded funds (ETFs).
In addition to providing investment advisory services, we also create new opportunities for more active investors looking to diversify their investment portfolios. Satellites are smaller allocations characterised by higher risk compared to the core, and in certain cases, they may also be less liquid than the core. These investments are typically with a more temporary nature and allocated in smaller amounts to take advantage of specific opportunities that arise in the markets.
Through us, investors can invest their funds to both publicly traded and non-publicly traded securities in various regions, while conveniently holding their transaction-related funds and securities in their personal Redgate accounts.
What are the satellites?
Satellites can include individual company stocks and bonds, sector and thematic funds, or alternative investments such as fund units, unlisted bonds, and private loans.
The core and satellites approach allows investors to combine elements with relatively well-defined growth potential while taking on more focused risks.
The core and satellites is an investment approach that allows an investor to combine elements with relatively clearly defined growth potential and take on more focused risks.
While we actively provide investment advice and personalised recommendations for the core, we do not provide personalised investment recommendations for satellites. In the latter case, we leave risk assessment and decision-making to the investors themselves.
At Redgate Wealth, we understand that every investor is unique and their approaches to investing and goal setting vary.
We believe in providing tailored solutions that align with our clients’ individual preferences and objectives. With that in mind, while our core investment strategies are not designed with particular environmental, social and governance (ESG) considerations in mind, we are committed to be flexible and adapt to our clients’ specific preferences in the future, if such demand arises. At the moment, we are of an opinion that incorporating sustainability criteria into investment process is likely to result in sacrifices in financial returns without gaining much, if anything, in terms of actually furthering sustainability. We are monitoring the market developments and are willing to adjust our investment process once sustainability-linked processes are globally standardised and the risk of falling into the greenwashing trap is minimised.
Thus, we do not currently impose mandatory ESG screening as a step in our investment process and we do not consider adverse impacts of our investment decisions on sustainability factors. Our approach is to build core portfolios that prioritise clients’ financial objectives, with respect to return, volatility, and liquidity. In the satellites’ part of the portfolio, we are committed to respect every client’s individual investment preferences, including the sustainability criteria.
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