Take VfB Stuttgart, for one: still champions in 2007, the club only just managed to stay in mid-table in the years that followed. Last season, relegation could no longer be avoided. And then there's Schalke 04: the club has been waiting 59 years for a championship title, yet has almost always competed internationally over the past ten years. It quickly becomes clear that such a history also makes itself felt financially. While the Swabians had to absorb losses in the millions as a result of relegation, the crisis-hit Gelsenkirchen club has been able to more or less turn its finances around in recent years.
Define your goals independently of emotions
Die-hard Schalke fans may see it differently, but sometimes it has to be about defining your goals independently of emotions. That applies above all to investing, too. This is why it's so important to be clear about your own plans before you invest. As an investor, do you need short-term success? Or do you want to be part of the international game over the medium to long term? Depending on your answer, investors need to take different paths when it comes to investing.
The basic principle is: the higher the expected return, the higher the risk.
So the question of your target horizon is always closely tied to the question of risk. Are you prepared to accept price fluctuations? And if so, to what extent? The answer depends on whether you want to use your savings to take a trip around the world in five years, buy a house in ten years, or provide for your retirement.
No formula for making a quick buck
We have developed a finely balanced system of strategies with corresponding risk-return profiles that each rely on a different mix of bonds and equities. The scientifically grounded approach is ideal for any goal geared toward medium- to long-term returns. If, on the other hand, you're looking for a way to make a quick buck, quirion is the wrong place for you.
In our experience, and according to the findings of decades of capital market research, there is no formula for making a quick buck – even if supposed experts and financial gurus would have you believe otherwise. We have an interest in your success and want investors to play internationally with us over the long term. We take that quite literally, too, investing in a broadly diversified way across the world's equity and bond markets. Together, we stay on the ball, disciplined and with an eye on the long view.
