Instruments

Instruments

The instruments used in our strategy

Our strategy is built around a clear and balanced combination of instruments. We use ETFs, stocks, bonds, and a limited allocation to bitcoin to create a portfolio that supports long-term growth, risk control, and diversification. Each instrument has a specific role within the overall structure, and the allocation depends on the selected risk profile.

A structured and diversified approach

We do not rely on a single asset or one narrow idea. The portfolio is built through a combination of instruments that are selected to work together within a long-term savings strategy.
  • ETFs for broad market diversification
  • Bonds for stability and more predictable outcomes
  • Bitcoin only as a limited diversification component
Core instrument groups for a balanced long-term portfolio
Risk profiles that determine how instruments are combined
%
Maximum bitcoin allocation within the overall strategy
Instruments Overview

How each instrument supports the strategy

Each instrument has a specific purpose within the portfolio. Together, they help create a structure that balances long-term growth, stability, and controlled diversification.

ETFs

Used as the main diversified equity tool, giving broad market exposure through a single instrument.

Stocks

Help explain direct company ownership and the role of equities in long-term capital growth.

Bonds

Provide stability, support capital protection, and help make the overall portfolio more predictable.

Bitcoin

Included only in a limited share as a modern diversification element, not as the basis of the strategy.

A Clear Mix of Growth,
Stability, and Diversification

We use different instruments for different purposes: some support growth, some help reduce volatility, and some provide limited diversification. The result is a more balanced long-term structure.
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Why These Instruments

Why We Use This Combination

The portfolio is designed to avoid unnecessary concentration in a single asset class.
Each instrument contributes to a more balanced and understandable strategy.

Diversification Across Instruments

The portfolio is not built around one idea. It combines different instruments to spread risk more effectively.
  • Broad market exposure through ETFs
  • Stability from bonds
  • Limited bitcoin allocation only

Balanced Role for Growth Assets

Growth-oriented instruments are included carefully and within a structure that remains manageable over time.
  • Equity exposure for long-term growth
  • Controlled role for direct stocks
  • No concentration in speculative assets

Clarity and Simplicity

Each instrument is included for a clear reason, so the structure remains transparent and easier to understand.
  • Clear role for each asset type
  • Simple long-term allocation model
  • Consistent approach across profiles
How Instruments Work Together

A Portfolio Is Stronger When Each Instrument Has a Clear Role

  • ETFs
  • Stocks
  • Bonds
  • Bitcoin
ETFs are generally the main equity tool in the strategy because they make diversification simpler and reduce reliance on individual companies.
  • Broad market exposure
  • Lower complexity
  • More balanced allocation
Stocks help explain direct company ownership and the role of equities in long-term growth, but they are generally not the main equity structure of the portfolio.
  • Direct ownership in individual companies
  • Higher company-specific risk
  • Used more selectively than ETFs
Bonds provide stability and help reduce overall volatility. They support a more predictable structure, especially in conservative and balanced profiles.
  • Capital protection role
  • More consistent outcomes
  • Balance against equity risk
Bitcoin is included only as a small diversification element. Its role is limited, and it never becomes the foundation of the overall strategy.
  • Usually 0–10% allocation
  • Added only for diversification
  • Used with strict risk control
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Frequently Asked Questions

  • 1. What instruments are used in the strategy?
    The strategy uses ETFs, bonds, selected equity exposure, and a limited allocation to bitcoin depending on the profile.
  • 2. Why are ETFs so important in the portfolio?
    ETFs usually provide diversified exposure in a simpler and more transparent way than relying on individual stocks alone.
  • 3. Why are bonds included?
    Bonds help reduce volatility, support stability, and make the overall portfolio structure more predictable.
  • 4. Why is bitcoin limited?
    Bitcoin is volatile, so it is kept in a small role as a diversification component rather than a core holding.
  • 5. Does every profile use the same mix of instruments?
    No. The instrument mix changes depending on whether the profile is conservative, balanced, or growth-oriented.

Choose the Right Investment Structure

We help build a portfolio structure where each instrument has a clear purpose and supports long-term financial goals in a balanced way.
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