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Indicative Portfolios

Investment Plan

The allocation of assets is the most important factor in creating a portfolio, since the best utilization of your investment, as well as stability and consistency in achieving high absolute and relative performances depend thereon.  The 3 main stages are:

  • Stage 1: Needs and Goals
  • Stage 2: Investment Profile
  • Stage 3: Portfolio Composition
Stage 1: Needs and Goals

The first step is to understand your needs and investment goals. Investment goals focus on the relation between risk and reward, as well as the investment time frame.

Stage 2: Investment Profile

The next step is to define your investment profile and your risk tolerance. By defining the investment profile we mean the process of recording your characteristics (knowledge and experience, financial condition, age, investment goals) aiming at composing your personalized investment portfolio.   
The three main investment profiles that reflect the three main risk tolerance graduations:
  • Conservative:  Low risk tolerance
  • Balanced: Moderate risk tolerance
  • Aggressive:  High risk tolerance

Stage 3: Portfolio Composition 

The last step is the creation of the portfolio through the selection and the combination of the main investment asset classes that correspond in the best way possible to your investment profile.
The main investment asset classes are three 
  • Cash 
  • Bonds 
  • Equities

The best combination of the 3 investment categories in the framework of a portfolio offers the maximum performance at every risk level on the one hand and the lower risk at every level of return on the other hand. 

See here indicative examples of portfolio dispersion according to risk, as they are described in the academic bibliography and derive from international experience. 

Asset Allocation (Conservative)

Fixed Income

Asset Allocation (Balanced)

Fixed Income

Asset Allocation (Aggressive)

Fixed Income

Indicative portfolios with Piraeus & PiraeusInvest Mutual Funds

Mutual Funds Conservative Portfolio Balanced Portfolio Aggressive Portfolio
Piraeus Variable Net Asset Value Money Market Fund (Standard) (R) 10% 5% 5%
Piraeus Hellenic Corporate Bond Fund (R) 20% 10% 5%
Piraeus Medium Term Bond Fund (R) 20% 10% 0%
Piraeus Income Balanced Fund (R) 10% 15% 20%
Piraeus ESG Dynamic Companies Greek Equity Fund 5% 20% 25%
Piraeus Bond Fund of Funds (R) 15% 10% 0%
Piraeus Balanced ESG Responsible Investing Fund of Funds (R) 15% 20% 15%
Piraeus Equity Fund of Funds (R) 5% 10% 30%