The numbers speak for themselves

Interest rates on savings accounts have reached an all-time low.

Real estate and bonds now present greater risks.

The stock market, on the other hand, has offered long-term performance like no other.

There is an alternative. Invest in solutions designed by qualified experts.

It’s time for me to harvest the fruits of my labours

and I know that a savings account is no longer the best option
Savings accounts have been losing an average of 1% of their real value due to inflation for years. In other words, your purchasing power is gradually falling. This tells us that investing part of your savings in the stock market for the medium or long term makes sense and is one of the component of a good management of your assets. At TreeTop Asset Management, we study each investment thoroughly. Since our creation, the composure, expertise and analytical insight of our managers have enabled us to stay the course, turning crises into an opportunity, rather than a drama...
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I don’t have much time to spend on my investments

My professional life comes first
By investing in investment funds, the investor can rely on managers who pick out the securities on their behalf by drawing on their expertise. Unlike traditional advisers, the TreeTop Asset Management managers only have one job - to directly manage the funds you invest in. Full involvement is required to have a chance to benefit from global growth. And every quarter, you will receive detailed reports on the spread of your investments, their performances and a view on the key reasons for our management choices.
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I like having an instant global view

Direct access to my investments from home is essential
It’s very simple to invest with TreeTop Online. Through your investor profile, you set objectives and invest on-line. This investment platform is designed to give you an intuitive user experience, to buy, manage and track the evolution of your fund, without compromising on thoroughness and security.
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Simulate your investments

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This simulation is based on historical average returns. On short, medium and even long term periods, the market performances can strongly differ from these averages and encounter high volatility.

In this simulator, we have set and used an allocation between stocks and bonds for each risk profile. 30/70 for a conservative profile, 60/40 for a balanced profile, 80/20 for a growth profile and 100/0 for a strong growth profile.

In the simulator we have replaced the historical yearly average return of bonds by the average of the 10-year OLO rates on 1st January of the current year. The 10-year OLO rates are regularly used as an indicator of the current level of bond rates.

(1) Average of the 10-year OLO rates on January 1st of each year (04/01/2017): 0.73%
(2) (3) The average annual return before inflation corresponds to the sum of the real average annual return of shares after inflation (on the basis of US inflation) between 1990 and 2016: 8.15%, and average US inflation between 1900 and 2016: 2.90%
Source: Elroy Dimson, Paul Marsh and Mike Staunton, Credit Suisse Global Investment Returns Yearbook 2017 - http://publications.credit-suisse.com/tasks/render/file/index.cfm?fileid=80603618-9230-382D-C51FF70FAF7A4A65

''These global index funds have really proven to me just how different they are''

Alex, 56 years old

Why choose TreeTop?

  • Award-winning first-class expertise
  • Transparency, conviction and commitment
  • A vision focused on the long term
  • A client service and an online investment solution designed to suit a wide array of investor profiles
Find out more

If you’re looking for investment solutions to grow your savings, you’ve come to the right place.

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Frequently-asked questions

Investment funds offer three major advantages, namely diversification, simplicity and access to professional management.

Diversification – This is one of the cornerstones of portfolio management. It has consistently proven to be an effective method of risk management by spreading the sources of return and risk across multiple asset types. However, holding a large number of securities is not a guarantee of effective risk management. A well-diversified portfolio should consist of assets which offer relatively independent performance. In order to achieve a well-diversified equity portfolio, you need to purchase shares in a variety of economic sectors and regions. For the individual investor, managing a well-diversified portfolio can become quite costly and requires relatively significant capital.

Simplicity – When you buy even just one investment fund, from €250 invested, you immediately gain access to a well-diversified portfolio with regular reviews of its allocation in order to ensure goals are met and investment policies are followed.

Professional management – When you buy an investment fund, you are choosing a professional portfolio manager. This manager will use the money you invest to buy and sell securities based on careful research, all the while ensuring healthy diversification of the portfolio they are managing. In most cases, members of the general public have neither the time nor the expertise necessary for such intensive research and analysis, which are vital when choosing the right investment.

We would advise that you invest only the money you won’t be needing in the next few years. Equity investment should be focused on a long-term vision in order to limit the potential impact of market volatility on the money you invest.

At TreeTop Asset Management, we believe there is no such thing as a good or bad time to invest in the stock market. Forecasting and identifying market outliers is a risky affair. An effective way to invest in the stock market is simply to spread your investments over time by regularly buying shares in global funds during both market upswings and market slumps.

An investment fund is an investment vehicle managed professionally by an asset management company like TreeTop Asset Management S.A. Each fund is managed according to specific investment goals and policies, details of which can be found in the fund’s Key Investor Information Document (KIID). The KIIDs of the funds managed/distributed by TreeTop can be found on our website. If a fund’s investment policy states that it will invest in equities, the fund manager will buy shares on the stock market on behalf of that fund. The equity portfolio will then depend on the fund’s investment policy. Whereas a global index fund might hold thousands of different shares, an equity portfolio that is actively managed with conviction will hold less than a hundred.

In order to maximise the chances of benefiting from the potential of your investments in the stock market, it is best to adopt a long-term vision. The Key Investor Information Document (KIID) of each fund managed/distributed by TreeTop indicates a minimum recommended investment horizon and can be found on our website. However, you are of course free to redeem the shares you hold in funds managed/distributed by TreeTop at any time. In this case, you would sell back your shares to the fund at the net asset value (NAV) calculated following receipt by the fund of your redemption instruction. The proceeds from the securities redemption, less taxes and any fees owed, would then be transferred to your cash account within three business days.

Visit our website for daily updates on the NAV of each fund managed/distributed by TreeTop.

Please note, however, that the funds may temporarily suspend redemptions under exceptional circumstances, as specified in the prospectus.

There are two types of fees: fees applicable to the TreeTop Online platform and fees applicable to funds.

Fees applicable to the TreeTop Online platform

  • Brokerage fee of €9 per transaction carried out via TreeTop Online

No brokerage fees are charged for investment plans

  • No custodian fees
     
  • No account management fees from €10,000 invested in the funds managed/distributed by TreeTop

If less than €10,000 invested: €12.50/quarter

Fees applicable to funds

Fees are charged for the everyday management of the funds managed/distributed by TreeTop. These fees are presented in the corresponding prospectus and an estimate is provided in the Key Investor Information Document (KIID). The KIIDs of the funds managed/distributed by TreeTop can be found on our website.

Please note that these fees are deducted from the assets of the funds managed/distributed by TreeTop and not from your TreeTop Online account.