First we listen, then we advise

A good portfolio does not come from a product list. It comes from a conversation about what you are dealing with in life, what your horizon is and what risk means to you.

Book a first consultation Frequently asked questions

Our process

From the first meeting to long-term care

Introductory consultation, non-binding

We meet in person or online, whichever suits you. We talk about the kind of partnership you have in mind, what you have already experienced and what has not worked for you. We also say plainly what a long-term partnership asks of us and of you. By the end we know whether it makes sense to go on. There is no fee for this meeting, because nothing is being proposed yet.

We learn your goals and relationship to risk

We go through what you already hold, what income you need, when you will need the money and how you handled previous declines. That lets us set a level of risk that matches your goals, your horizon and the way you actually experience market swings.

We design a tailored portfolio

You receive a concrete composition: equities, bonds and alternative investments in a ratio that matches your goals. We spread it across sectors, regions and currencies, and for each part we explain the role it plays. Ask until everything is clear. That is part of the service.

You become our client

We handle the contracts, the account opening and the first investment. We take you through every step, and from the start you know when your first report arrives and when we will meet to review it.

You get a regular review

You receive an overview of how the portfolio is developing, along with an explanation of what market events did to it. We review the investment plan regularly and assess how close you are to the goals we set at the start. When your situation or the markets change, we adjust the strategy.

We look further ahead

Where you start is not a ceiling. As wealth grows, so do the options for what a portfolio can be built from and where it can be held. In time we will open the topics it may still be too early for: income from wealth, passing it on to children, a horizon that reaches beyond your own. So the plan will change, not because the first one was wrong, but because you will have moved on.

Building blocks

What we build portfolios from

Every part of a portfolio has its purpose. We set the balance between them according to what you want to achieve, when you will need the money and what level of fluctuation is acceptable to you.

Equities

The engine of long-term growth. We build the equity part globally and use broadly diversified ETFs for it. With equities the result is counted in years, not months. This is where the part of your wealth that has time belongs.

Bonds and fixed income

The stabilising part of the portfolio. We select government and corporate bonds with regard to the interest-rate environment, the length of the investment and when you will need the money.

Alternative investments

They complement traditional equities and bonds. They include real-estate and infrastructure projects, private debt or commodities. They can respond to the economy differently from traditional investments and help spread risk more widely.

Cash and reserve

Money you may need sooner than the rest of the portfolio has time to serve its purpose. It stays quickly available, and thanks to the reserve you do not have to sell long-term investments at the wrong moment.

Our backing

Who you entrust your wealth to

When you entrust someone with the care of your wealth, you need to know where it is held, who is responsible for the advice and who supervises the service.

Your assets are always in your own name. It is held with a regulated institution abroad, not with us. You do not lose access to it even when the cooperation ends.
The professional standing of Melior Invest includes the European EFA™ certification. It confirms professional qualification in financial planning and investment advice.
Melior Invest is a tied agent of In Investments a.s. Trades and custody of assets are handled by a regulated securities dealer supervised by the Czech National Bank. The advice comes from us, the money is held by a regulated institution.

Frequent questions

What clients ask most

You pay us directly for a professional service. We accept no commissions from funds or other providers of investment products, so our fee does not depend on which particular solution we recommend.

The fee has two parts: a one-off fee for designing the investment solution, which also covers an analysis of your existing investments, and an ongoing management fee. That one is calculated as a percentage of the average value of the portfolio under management.

You know the specific price and the costs connected with the investments in advance, before you decide to work with us.

We do not pick from the range of a single bank or a single fund house. We use instruments from a variety of providers, and our fee does not depend on which of them we choose. The investments that go into your portfolio are therefore selected by how well they fit your strategy, your goals and your needs.

We have no fixed minimum. Individual management usually starts to make sense from around five million crowns of investable assets. We also manage portfolios in the tens of millions, and we always match the scope of care to the size of the assets and the situation of the client.

If you have less to invest, get in touch anyway. We will look at your situation and tell you which approach makes sense to us.

That is common. We start by looking at your current portfolio as a whole and assessing how well it matches the goals you have today. What makes sense does not need changing. We propose changes only where we see a specific reason for them, and we always explain what that reason is.

Always in your name, with a regulated institution, not with us. We work with large international investment platforms and, for larger portfolios, also with private banking in Switzerland.

We choose the specific solution according to the size of the assets, your needs, the investment options available and the costs involved. We present the options to you in advance and the decision stays with you.

Risk is not just a number from a questionnaire for us. What matters is which swings you are able to accept, when you will need the money and how you reacted to previous declines.

With the portfolio we propose, we explain what swings you need to expect and why it is set up the way it is. We spread risk across different types of investments and different investment horizons. When markets soften, we stay with the agreed strategy and rebalance the portfolio as needed.

Moments like these are exactly when it matters that you know what is in your portfolio and why.

Yes. Most of the portfolio is available to you within days or weeks. With some alternative investments a withdrawal can take longer, but you know that in advance. When and which part of your assets you may need is something we account for while the portfolio is being built.

Yes. You know the terms for ending the cooperation from the start and you will find them in the contract. Your assets are held in your name the whole time, so ending the cooperation does not take away your access to them.

As a rule once or twice a year, over a report. In between we keep an eye on the portfolio and get in touch ourselves when something happens in the markets that matters for your situation.

Changes on your side matter just as much. Selling a company, an inheritance or a new situation in the family can mean the strategy needs adjusting. Changes like these often affect your long-term plan more than market movements do.

Start with a first consultationYou will know whether we fit

The consultation is non-binding. We will go through your situation and say whether working together makes sense for you.

Book a consultation