In today’s world of finance, markets are volatile, investment decisions are increasingly complex and investors are having to hunt for yield as traditional savings prove unlucrative. Given this, delegating the management of your portfolio seems like a wise choice. With My Mandate, BGL BNP Paribas allows more people to gain access to investment strategies that are constantly being fine-tuned by its experts.
How do I grow my savings? How do I seize investment opportunities in particularly volatile markets? How should I react to fluctuations when I don’t have the time or expertise needed to make informed decisions? Many savers are now asking themselves such questions. “We are seeing a marked change in our clients’ expectations. They want to invest, but without necessarily having to master all the complexities involved. With our new My Mandate service, we wanted to offer a solution that combines accessibility, discipline and expertise”, explains Markus Stegmann, Head of Retail Banking at BGL BNP Paribas.
Access to dedicated management from as little as €5,000
Discretionary management was traditionally based on a personalised relationship between a wealthy client and a dedicated investment manager, with a high entry cost. To meet the expectations of a broader client base, the bank has overhauled its approach and lowered the threshold for access to €5,000.
“It’s not just about making a product available to more clients. It’s about rethinking the whole experience to make it understandable, structured and relevant”, Markus Stegmann adds.
Delegate for more responsiveness and better performance
On increasingly uncertain markets, the ability to quickly adjust a portfolio becomes a decisive factor. Yet this reactivity assumes the kind of expertise, tools and availability that few retail investors can mobilise on their own.
With My Mandate, BGL BNP Paribas places the fundamentals of wealth management – strategic allocation, active monitoring, regular adjustments – within an accessible, structured framework. “With discretionary management, the Wealth Management teams get involved with portfolios directly to ensure that the allocation is permanently suited to the client’s risk profile and goals”, Markus Stegmann explains. “Delegating the management of your investments means choosing rigorous management based on sound analyses and the ability to make changes to your portfolio at any time”.
A strategy adapted to your profile and goals
My Mandate gives investors access to five investment strategies drawn up and led by the bank’s investment managers. Each one corresponds to a specific risk profile and specific objectives, so that a clear response can be given to different needs. “We wanted to propose a simple structure, one that lets everyone know where they stand and comprehend what they’re investing in”, says Markus Stegmann.
As well as offering transparency, this framework incorporates responsible investments in line with current market standards.
An experience enhanced by technology but guided by humans
Even before signing up, clients can freely explore the different strategies, simulate investment scenarios over a 10-year horizon, and refine their choices. Once the mandate is in place, they benefit from real-time monitoring of their portfolio’s performance.
This smooth experience relies on the smart use of technology in the client journey. Yet for BGL BNP Paribas, digitalisation is no substitute for human expertise. “Technology plays a key role in access to information and monitoring. But the investment strategy is still determined by our experts. This complementarity justifies the trust that our clients place in us”, Markus Stegmann stresses.
Facilitating access to investment with complete confidence
By opening up access to discretionary management, BGL BNP Paribas is helping to redefine industry norms. More than a product innovation, My Mandate embodies a change in the way we approach investing: better structured, more accessible, but as demanding as ever.
“Our ambition is to enable as many clients as possible to benefit from the standards of wealth management, and to be able to invest with full confidence”, Markus Stegmann concludes.
This sponsored article was published in the 10th edition of Forbes Luxembourg.
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