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Alternative investments are closed-end funds, which is why the contractual term is ten years - we always expect ten to twelve years. It is important to note that investors do not have to pay in the full subscription amount immediately. Instead, the fund calls up capital gradually, depending on which companies are financed. Distributions can therefore be expected after around three to four years.

Theoretically, this is possible, but we do not recommend it. Private equity is a complex asset class. It is not about picking out individual funds, but about creating a coherent overall concept. This is why strategic advice, including investment planning, is necessary. We therefore always recommend working with an advisor to expand your own investment universe and increase your chances of building up a really good portfolio.

Due to their positive characteristics, alternative asset classes are an important component of large wealth portfolios. Their improved risk/reward profile makes it possible to make the portfolio more crisis-proof and optimize returns. At the same time, however, alternative asset classes also have very high barriers to entry, which have so far made it difficult for smaller wealth to participate. This is where family offices such as FINVIA can help to provide customers with access.

In private equity, we differentiate according to the reason for the financing or the phase the company is in. At the beginning there is venture capital financing, which invests in young companies. This is followed by the growth area, which supports their expansion. The buyout area finances established business models, i.e. mature companies that have already reached a certain size. In the distressed area, private equity funds can help solve balance sheet or operational problems in order to get companies back on the growth path.

Private equity funds are closed-end funds with terms of ten years. If the customer wishes to sell his shares during this term, he must find interested parties. Secondary funds offer the opportunity to buy precisely these "used" fund units. The advantage for investors is that they can optimize their capital commitment. Payments are made more quickly and returns come earlier. At the same time, secondaries offer diversification according to region, financing stages and years of issue as well as the opportunity to acquire units at a discount.

The minimum amounts for private equity funds are usually in the millions. However, providers such as FINVIA enable customers to invest in funds of established, successful managers from as little as €200,000 .

Private equity is not a cheap asset class and access is very complex, as certain minimum subscription amounts are required. There are factors that investors should take into account, particularly the soft costs. These include, for example, a premium or profit participation. At FINVIA, we deliberately avoid both of these and have changed our fee model so that we do not use the commitment as the basis for assessment, but only the capital tied up. This has the advantage that the fee burden is lower, especially at the beginning and end of the fund term, and thus the performance is better for the customer.

We provide our clients with intensive support during the selection process, show them the differences between the various providers, their strengths and weaknesses, and make recommendations as to which might best suit their individual needs. At the same time, we use our network to open doors to renowned asset managers who have a great deal of experience in their dedicated segments.

No. This is not a broker app, but a controlling tool that enables our clients to obtain a detailed overview of their total assets.

Foreign currencies are not an asset class in their own right, but their fluctuation can have an impact on the overall return. It is crucial for us to consider what proportion comes from the foreign currency and what from the investment that was made. It is therefore important to separate the two in asset accounting in order to be able to correctly assess the performance of the asset managers and the return contributions of the individual investment categories - also in controlling.

As we receive our fees exclusively from our clients, we can guarantee absolute independence. We do not receive any commission from other third parties.

There are two options for investing in gold: One is to invest in securities that are physically backed by gold, the other is physical custody, where investors buy the bars directly. A further distinction is made here between collective safe custody and individual safe custody. It is possible to visit the possession in the safe in the area of individual safe custody.

We are not afraid of crises - quite the opposite. We are anti-cyclical investors and even in times of crisis we look for opportunities and chances where others might look away. Thanks to our daily controlling, FINVIA is also able to recognize potential hurdles at an early stage and react quickly.

In both forms of investment, we are talking about investments in companies. In contrast to illiquid private equity, investors in public equity acquire their company investments via shares that are listed on the stock exchange and therefore have a company value that can be traded daily.

In the long term, the volatility and sustainable return potential of private equity are superior to the public market. This is because this area invests in small, fast-growing companies, whereas the focus with shares is on larger, established companies.

The main difference is that we at FINVIA do not view the service in isolation, but as a holistic product. This means that there is not just wealth reporting or just family office advice, but practically four pillars of wealth controlling.

Our customers can access their wealth via the FINVIA Cockpit. It combines digital reporting with set reporting elements. We also offer the mobile app for IOS and PDF reporting, which can be printed out and sent.

At FINVIA, we attach great importance to multi-channel reporting. This means that we have four reporting elements that allow customers to decide which data they want to use to answer their specific reporting question.

One of these is the digital reporting portal with its associated mobile app for IOS. The third element is PDF reporting and the fourth is the reporting software itself, which combines many analysis options for assessing very complex wealth .

The question is not how complex it can become, but rather who benefits from it. Generally speaking, it can be said that controlling is useful to anyone for whom it provides added value.

This means that a very small wealth, which urgently requires reporting support, can be just as much a controlling customer as a highly complex one consisting of many individual values and family members.

The guideline is: the more complex the wealth, the more important it is to have a well-structured reporting and controlling system.

If we have reporting and controlling in mind today, we never consider it finished. Instead, we carry out customer surveys, look at what is being called up and what is not, and listen to advisors about what is needed beyond that. This is also to be understood as "Beyond Wealth": first listening, recording the needs that are never stable, and then reacting to them and recognizing how reporting needs to be further adapted.

In order not to jeopardize the speed of reporting, we have a basic principle: we do not want to make individuality the standard.

Instead, we work with a basic reporting standard on which individual requirements are based. This means that if we have a fundamental reporting document that reports essential information and a customer situation makes it necessary for us to incorporate additional elements and aspects, we initiate this accordingly.

The performance analysis is an integral part of the asset controlling services. It is embedded in the reporting elements and is usually prepared at least once a quarter. If an asset holder would like to receive the data below these reporting deadlines, it can be printed at any time, as we post the reporting and controlling on a daily basis.

FINVIA reports can also be made available in printed form. To do this, we upload them as a PDF to the FINVIA Cockpit so that they are available to asset holders at any time.