Independent Financial Advisor and Co-Founder of Affari Miei
January 22, 2024
You are interested in investments and are interested in learning more about Unicredit asset management?
You are in the right place because today we will analyze all the characteristics of this solution, seeing together the costsi advantages they disadvantages.
At the end of the article you will also find mine opinions on the service offered by UniCredit and we will try to understand if it is right for you.
Let’s start!
This article talks about:
Unicredit: a presentation
UniCredit it is a leading pan-European bank in 13 countries and an autonomous presence in Italy.
Their main objective is to offer the best to all stakeholders.
They can count on more than 7 million clients in Italy.
UniCredit is organized into four macro areas main geographical areas and two product factories, Corporate and Individual Solutions.
Two factors on which they push a lot are digitalization and ESG principles, two key topics for the service they offer.
The characteristics of Unicredit asset management
After seeing a brief presentation of the bank that offers the service we can now see what the main features of Unicredit asset management are and how it presents itself in the eyes of investors.
The asset management they are a tailor-made solution to best respond to the objectives of enhancing personal assets with a personalized service.
Management combines the need to diversification the investment of the assets under management, relying on a team of professionals with the desire to direct the strategy of your portfolio with a personalized choice.
The objective of asset management is to create value over time: the professional management of an investment consists in having a portfolio managed by the bank’s professionals.
I wallets they are chosen based on the investor’s objectives.
“In house” portfolio management
Now we focus more on what asset management looks like and what solutions are presented to investors.
Banca Unicredit plans “in house” the portfolio management in line with customer needs.
Together with the client, we choose the management most suited to his objectives.
The experts at portfolio management they actively manage the management portfolios, balancing the risk and return components by following the client’s profile and trying to constantly monitor what is happening on the markets to make timely choices consistent with the investment objectives.
Let’s see them different types of asset management:
Blend: Blend Asset Management represents a distinctive solution on the market, which allows you to obtain a high level of portfolio customization. Blend was designed to mix the best of the Investment Department’s know-how;
Next: it is intended for dynamic profiles, it is entrusted to a team that selects the tools and defines a tactical component with an absolute return objective;
Private Select a Profilo: is dedicated to those who intend to systematically follow the instructions of the Investment Department. The Bank provides 4 profiles that align with investment decisions. The profiles, which are developed following the Investment Committees, differ in the percentage of risk included in the portfolio;
Frame: Frame is the Asset Management that invests mainly in ETFs and represents the ideal solution for Clients looking for full delegation, with an absolute return objective. The Portfolio Manager, based on strategic choices and a vision of the markets, manages the portfolios under delegation;
Treasury+: Portfolio management that has the task of managing liquidity, with the aim of preserving capital in the short term. The Client’s portfolio is managed in a cautious and conservative manner with the aim of capital preservation;
GEA: management that invests in individual financial instruments to respond actively and tactically to increasingly challenging market contexts. The Portfolio Manager, based on strategic choices and a vision of the markets, manages GEA by leveraging the skills of a global equity team that monitors the market on a daily basis.
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How to subscribe to Unicredit asset management
For more information on Unicredit asset management and for clarification I advise you to carefully read and consult the official website and find all the documents necessary to better understand the functioning of the instrument.
Before subscribing to Unicredit asset management I also invite you to go to subsidiary company to be able to speak to a consultant and obtain all the necessary information.
Unicredit management costs
Also regarding the costs, I advise you to make an appointment at the bank in order to have all the useful information and to be able to ask all the questions that will allow you to clarify your doubts.
Opinions on Unicredit asset management
Now that we have reached the conclusion of the review, I would like to share some personal reflections on asset management in general, considering not only the proposal of Unicredit but the approach as a whole.
First of all, I consider it essential to advise you to go to subsidiary company to get more details on asset management. The official website may not offer enough information to make informed decisions.
Personally, I have some reservations about wealth management that involves completely delegating your assets to a manager. On the one hand, it could be positive to entrust your money to a competent and aware person. On the other hand, it could be bad as you would lose direct control over your financial resources.
Invest wisely aware it is a priority of mine, I want to know and fully understand the dynamics of my heritage. I am not particularly in favor of complex and difficult to understand financial products, as I believe that transparency is essential in the financial sector.
One aspect to carefully consider is management costs, which are often high in the asset management sector. Although we do not have specific data in this case, it is important to evaluate whether the costs associated with Unicredit asset management differ significantly from those of other banks.
Reflect on costs it is crucial; high fees can significantly erode the return on your investment. Is this really what you want? It may be worth considering alternatives such as financial education. By studying, you gain awareness and knowledge of the tools, allowing you to build a personalized strategy to obtain better returns and achieve your goals.
If you want to delve deeper into the issue of asset management, I invite you to read this article.
As you may have understood, I’m not a big fan of asset management, but if you want to delve further into the discussion and better understand how they work, I invite you to read this article too.
Personally, I prefer to explore tools like the ETF, passively managed funds that track the market or an index. These offer diversification and transparency at lower costs, as they do not involve the intermediation of a manager.
For further information on asset management and to start your investment journey, it may be useful to consult the guides indicated at the end of the text.
I hope that these considerations will be useful to you in your evaluation of the asset management proposed by Unicredit.
Before leaving you, I would like to leave you with some other resources:
Having said this, I bid you farewell, hoping to see you back up here My business.
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