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Investments

See the details to plan ahead.

What is novobanco’s Investment Advisory Service?  


By analysing your investor profile and current market conditions, novobanco’s Investment Advisory Service gives you access to a personalised investment proposal built on asset‑allocation models that take into account your goals, knowledge and experience, financial positionsituation, risk tolerance and investment horizon.

This service is designed to help you make the most of your money, putting your capital to work. It’s free of additional charges and available exclusively to 360° and Private clients. 

The way you invest today can shape the quality of your life tomorrow.

How does the Investment Advisory Service stand out?

 

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Investment Committee

With novobanco’s Investment Advisory Service, you receive regular insights from the bank’s monthly investment committee. Whenever our market outlook changes, clients who already have an investment proposal receive a summary highlighting the updates and the context behind them.

The investment committee relies on up‑to‑date macroeconomic analysis and capital‑market research. Based on this, we define our positioning for each asset class to identify opportunities and assess market risks.

Tablet, discussion and business people in office with report for break in finance stock market. Meeting, digital technology and financial advisors with online revenue, profit or equity research

Personalised service

Every client is different. That’s why this advisory service offers tailored guidance, recommending a portfolio that aligns with your individual situation.

You can accept novobanco’s recommendation or review alternatives with your relationship manager. Any adjustment is always validated through the bank’s suitability framework to ensure it fits your profile.

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You stay in control

All investment decisions are yours. Whether it’s a recommendation involving a specific amount or a suggested realignment of your existing portfolio, the novobanco team provides all the information you need to make informed decisions.

To keep you fully updated, you can access all periodic reports produced by the research and investment teams (daily, weekly, weekly review, monthly review or market flash) directly through your digital channels and the novobanco App.

Did you know the process starts with novobanco’s investment committee?


Based on the macroeconomic outlook and capital‑market trends analysed by the investment committee, the bank defines its tactical asset allocation. The goal is to optimise the level of risk taken, combining four different asset classes in a balanced way.

 

Preservation profile

Your risk tolerance is very low and your main goal is to preserve capital. By following this strategy, you accept that the return potential is limited and that safety takes priority over higher yields



 

Conservative profile

Your risk tolerance is low, with a focus on capital stability and achieving moderate returns. You aim to minimise volatility, favouring steady and predictable growth even if that means accepting a more limited return potential



 

Moderate profile

Your risk tolerance is medium, aiming for a balance between protecting your capital and pursuing more attractive returns. This strategy allows for moderate exposure to assets with higher growth potential, accepting controlled volatility in exchange for stronger long‑term performance


 

Dynamic profile

Your risk tolerance is high and your goal is to maximise capital growth. This strategy involves significant exposure to higher‑risk assets, accepting increased volatility and larger market swings in pursuit of strong long‑term returns


 

 

Do you already know your investor profile?

If yes, get in touch with your relationship manager.

If not, learn more and complete it now to access the investment advisory service.

To make investment decisions less dependent on market movements, it’s essential to define an investment strategy that matches your characteristics, goals and needs. In other words, your investor profile.

To define your investor profile, simply complete the investor profile questionnaire.

Since more than 90% of a portfolio’s long‑term performance depends on the investment strategy, individual investors should focus on defining their investor profile correctly rather than following daily market fluctuations.

If you’ve already completed your investor profile questionnaire, you can visit your nearest Branch or contact your relationship manager so they can present your personalised investment proposal.

Define your investor profile 

 

  • Set your objectives

    Choose whether you aim for capital preservation, capital growth or income distribution

  • Define the assets to be analysed

    Within the selected product range, we assess your current portfolio and recommend potential adjustments

  • Receive a personalised proposal

    Your relationship manager presents a proposal aligned with your risk profile and objectives
    Get started now

Frequently asked questions

At the moment, Investment Advisory Service has no associated cost. You can access the service and receive your investment proposal at no additional charge.

The service is available to clients in the 360° and Private segments.

The products included in the advisory universe are Investment Funds, Term Deposits, Structured Products, PPR and Capitalisation Insurance, both Guaranteed and Unit‑Linked.

Access the questionnaire

Complete the questionnaire and find out your investor profile.

Documents

Investment Advisory Service brochure Investment Advisory Service brochure
Sustainability preferences  Sustainability preferences 

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