Investor profile
simulator.
Answer 7 questions to discover your risk profile
and visualise how your wealth could develop.
Marketing communication. This tool provides no investment advice and recommends no financial instrument.
01 / 07
What is your age?
The projection horizon is calculated up to a maximum of 25 years.
years
Enter your age, between 18 and 90.
02 / 07
How much would you like to invest?
This amount forms the basis of your wealth projection.
CHF
Recommended minimum amount for this simulation: CHF 50'000.
Block A, Risk tolerance
03 / 07
Your portfolio falls by 25% in 3 months. How do you react?
There is no right or wrong answer, be honest with yourself.
Block A, Risk tolerance
04 / 07
How do you feel about fluctuations in value?
Imagine watching your wealth fluctuate on screen every week.
Block B, Risk capacity
05 / 07
What share of your total wealth does this capital represent?
Total wealth = property, other investments, savings, pension assets.
Block B, Risk capacity
06 / 07
Do you have regular income independent of this capital?
Salary, annuities, rental income, AVS/LPP pension.
Block C, Horizon & liquidity
07 / 07
In how many years do you expect to use these funds?
Property purchase, retirement, estate planning, personal project.
MG Finance SA, Investor Profile
Indicative score
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/ 20
Profile …
…
Target allocation
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Gross return
…
before fees
Net return
…
after fees of 1%/yr
Typical fluctuation
±…
per year
What you told us
Initial amount
…
CHF
Projection horizon
…
years (max 25)
Central scenario
…
Half of all scenarios exceed this value
Indicative asset-class breakdown
Wealth projection
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In summary
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Probability of reaching a goal
Enter a target amount to see the proportion of scenarios in which you reach it. Below, we suggest a goal based on your favourable scenario.
CHF
In the event of a market crisis
Estimated annual loss
…
On your capital
Highly adverse scenario
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Worst simulated year (P90 losses)
Comparable historical references
What would happen with a different profile?
Compare your projection with the 3 management styles for your capital and horizon.
Simulation for your capital and horizon
Projections based on the central scenario (P50) for each model,
using the same parameters (initial capital, horizon, fees of 1%/yr).
The representative allocations are: Conservative 22% equities, Balanced 57%, Dynamic 85%.
Description of the reference models
Model A, Conservative (15–30% equities)
Projected net return 1.3–2.1%/yr. Volatility 3.1–4.4%. Suited to short horizons or a strong dependence on the capital.
Model B, Balanced (50–65% equities)
Projected net return 3.2–4.1%/yr. Volatility 7.0–9.2%. Balances growth and security over a medium horizon.
Model C, Dynamic (80–90% equities)
Projected net return 4.9–5.5%/yr. Volatility 11.5–13.1%. Maximum growth over a long horizon; a high risk tolerance is required.
Refine this projection with your relationship manager
These projections are indicative. Your MG Finance relationship manager can refine them according to your tax situation, your estate-planning objectives and your actual income flows.
Your personalised report
Get your results and their explanation by email
We send you your profile, the three projection scenarios and the detailed methodology. An MG Finance relationship manager can then refine this projection to your situation.
Projection based on a GBM (Geometric Brownian Motion) model with 3,000 Monte Carlo simulations, annual rebalancing and management fees of 1%/yr deducted from the return. Long-term market assumptions set by MG Finance and reviewed periodically (global equities: μ=7%, σ=15%; CHF bonds: μ=1.5%, σ=3.5%; correlation: −0.15), applied conservatively: the central scenario may fall below these assumptions.
Indicative result. It does not replace the risk profile established when entering into a client relationship, which is based on a full questionnaire covering your knowledge and experience. These projections do not constitute investment advice, recommend no financial instrument and are no guarantee of future performance. All investment carries a risk of capital loss. MG Finance SA, Pully (Switzerland), authorised since 2002 and supervised by FINMA.