FAQ

Discretion is an essential aspect of professionalism and reliability and is central to our collaboration. We offer several options to minimise the data shared, to avoid storing digitally processed data and to arrange mutual communication as you prefer.

Below is our step-by-step approach:

• I. You provide the financial data (see FAQ 3)

• II. Quality control of the data (follow-up if data is incomplete)

• III. Data is processed with external financial sources and our in-house analysis model

• IV. Quality & sanity checks on the output (coherence etc.)

• V. We integrate the processed data & charts into the Portfolio Scan

• VI. Delivery of the digital Portfolio Scan and launch of the printed brochure

Once everything is received, a presentation/discussion is possible.

You choose which data you share:

• I. Minimum required: the ISIN codes of the listed investments and their weight in the portfolio(s) expressed as % (XLS format, see template at the bottom of this page)

• II. You can provide us with the most recent reports from your wealth managers and we compile this into one dataset. This approach may extend the delivery time.

Contact us without obligation at info@l3scofin.be  or use the appointment tool to schedule an introductory meeting. 

The ideal opportunity to get to know each other and to explore how we can be of service to you. 

This first appointment (+/- 30 min) is without obligation and free of charge.

I. A sum becomes available for investment, or you are dissatisfied with your current relationship with your banker? Together we analyse your needs and objectives to select the ideal wealth manager(s).

II. Translating available assets into a fully built portfolio, discussing investment horizon and risk appetite, followed by a conversation about the ideal portfolio composition across different asset classes.

III. Engaging us as an independent board member or member of the investment committee. Main objective: monitoring mandates and the quality of management.

IV. Ad hoc reviews, analyses or workshops together with the board of directors or investment committee to obtain a neutral, well-founded view on investment policy and portfolios.

You can always order additional prints of the Portfolio Scan. Depending on the number of copies required, we will provide an overview of the additional costs.

L3scofin and Content Asset Strategies do not offer investment services or investment advice for their own account. We are independent investment analysts who guide you in the choice of investment services offered by (private) banks and asset managers.

In addition to better insights into your investments, uncovering overlaps and a thorough risk analysis, the Portfolio Scan above all gives you the opportunity to discuss costs with your banker(s).

We notice that clients can save between 15 and 30 basis points (on an annual basis) on (implicit) costs. For a portfolio of EUR 3 million, this quickly amounts to EUR 9,000 less in costs per year.

The data model generates portfolio insights using external financial data and in-house developed indicators. 

A non-exhaustive list includes:

• Product allocation

• Counterparty risks

• Type of products (synthetic, physical...)

• Currency risk (product & underlying)

• Compounding %

• Type of assets

• 3 levels of equity styles

• Regional distribution (product & underlying)

• Sector spread

• Financial ratios at portfolio level

• Top equity positions

• Quality of the fixed income component

• Bond rating distribution

• Type of bonds

• Maturity analysis

• Currency & regional spread of bonds

• Expected return analysis

• Spread of alternative investments

• Portfolio liquidity

• Level of diversification

• Interest rate sensitivity

• Analysis of (implicit) costs

• (Product) taxes

...