Mediolanum International Funds designs and manages a range of investment services that sit alongside our funds. They exist to solve a problem that product alone cannot solve: even a well-chosen strategy can disappoint if money enters the market at the wrong moment, or if the investor abandons it during a period of volatility.
Each service is rule-based and automatic. The rules are agreed at the outset and the mechanism then runs without requiring a decision month by month. That is what makes these services valuable to advisers managing a large client base, as well as to the clients themselves.
Disclaimer: An investment in a fund can go down as well as up and that the return upon the investment will therefore necessarily be variable.
Each service is built around a specific client situation. The principles behind them — cost averaging, compounding and multi-manager diversification — are the same.
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PAC — Capital Accumulation Plan
For regular savers
For clients who can save small amounts regularly to build wealth within a defined time frame. Plan over ten, fifteen, twenty or forty years towards a goal — a holiday home, a child's education, retirement.
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Big Chance
For a smaller lump sum
For clients who have already saved or inherited money and want not only to preserve its purchasing power but to grow it. Phased into equities over three, six, nine, twelve or twenty-four months.
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Intelligent Investment Strategy
For accumulated savings
For clients who have accumulated savings over years and want their capital to finally work harder. A longer journey of three, four or five years, which responds to markets as they move.
For over forty years Mediolanum has delivered a method based on compounding, the cost averaging method, and multi-manager investment funds.
Investing the same amount at regular intervals means you naturally buy more units when prices are lower and fewer when prices are higher. Over time this smooths out the risk of buying expensively at the peak of the market, and the risk of missing opportunities when the market is falling.
Over a longer investment horizon, returns have more time to generate further returns through compounding. Regular, rule-based investing can also help an investor stay committed through market ups and downs, rather than making decisions based on short-term emotions. Starting earlier gives growth more time to build and may mean smaller regular contributions are needed to work towards the same goal. The plan’s duration and contribution amount both matter; outcomes are not guaranteed.
Multi-manager funds pool investments across asset classes, regions and sectors, with specialist managers selected for their expertise and approach. Unlike holding a small number of stocks or bonds directly, a multi-manager fund spreads exposure across a broader range of investments and investment decisions. No manager leads in every environment, so combining specialists may help diversify risk; it does not remove the risk of loss or guarantee returns.
Why theory alone is not enough
Behaviour ultimately drives outcomes. That is why we turn these principles into practical, automated solutions rather than leaving them as advice — the mechanism removes the decision from the moment when emotion is strongest.
What it gives an adviser
Rule-based automation handles the agreed investment process in the background, freeing advisers this approach combines consistent execution with more time to build relationships, support existing clients and grow the business.
For over forty years Mediolanum has delivered a method based on compounding, the cost averaging method, and multi-manager investment funds.
A pre-planned subscription into chosen funds over a set period. The lump sum is held in a dedicated account and equal amounts are transferred into the chosen funds on a fixed schedule until the deposit is used, so the client enters the market gradually rather than on a single day.
A savings plan designed to remove the barriers that stop younger investors starting: smaller amounts, more flexible conditions, and the ability for family members to contribute to the same plan.
Disclaimer: For information purposes only. This communication does not constitute investment advice, investment research or a personal recommendation and does not take account of any person's individual objectives, financial situation, knowledge, experience or needs. The information and opinions contained herein may be subject to change without notice. The value of investments can decrease as well as increase and investors may receive back less than originally invested.
Delivered in Germany by Investify S.A. (Manager, CSSF-regulated, via its Cologne branch), Baader Bank AG (Custodian, BaFin-regulated), and Mediolanum International Funds Ltd (MIFL, authorised by the Central Bank of Ireland, C22875) as Investment Advisor.This material is made available by Telis Finanz AG and DMF AG and its intermediaries (acting as referral agents) and via the Investify app and website.
This is a marketing communication and does not constitute investment advice, a personal recommendation, an offer or a solicitation to buy or sell any financial instrument and should not be used for making investment decisions. Investing involves risk: the value of investments can fall as well as rise and you may get back less than you invested. Past performance does not predict future returns. Please refer to the fund prospectus and KIID, and consult a professional adviser on your particular financial circumstances, before making any final investment decisions. A summary of investor rights associated with an investment in the fund is available in English, German, Spanish, Italian and Catalan at https://www.mifl.ie/ir. For recipients in Germany only.