Investing. Give power to your capital with tried and tested investment funds. je connais mon banquier je connais mon banquier

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1 Give power to your capital with tried and tested investment funds Investing

2 Do you want to give power to your capital through access to the world s best investment funds? Do you wish to ensure a high degree of diversification, whatever the amount you have to invest? Would you like an optimum risk/return ratio? Do you want your assets to be managed by professionals? Banque Cantonale de Genève offers you a simple and accessible investment solution that gives you the best in wealth management: BCGE Rainbow fund. 2 What is the BCGE Rainbow fund? The BCGE Rainbow fund 1 is an investment fund created by Banque Cantonale de Genève. Its aim is to obtain growth for your capital that is as steady as possible, while limiting risks through optimum investment diversification. It is based on a precise philosophy and managed by professionals who follow investment performance and the financial markets day by day. 1 The BCGE Rainbow fund is governed by the Swiss federal law on collective capital investments

3 BCGE Rainbow fund, an innovative investment philosophy 2 Who is the BCGE Rainbow fund for? The BCGE Rainbow fund is invested in financial markets in accordance with the Banque Cantonale de Genève s investment philosophy. This puts into practice some strongly held principles, such as prudence, a high degree of diversification and the primacy of the real economy as the engine that powers performance. A special feature is the totally independent choice of the best investments worldwide. Capital is invested in: A selection of the world s best equity investment funds Rigorously selected bonds (AAA or AA ratings) First-class currency investments The BCGE Rainbow fund is for anyone who wants to invest on the stock market in the medium or long term and to benefit from professional management of their assets, while being free of the need to monitor their investments themselves on a daily basis. The minimum recommended amount for investment in the BCGE Rainbow fund is CHF 5,000 or EUR 3,000. For people who have not yet built up a capital base, the BCGE Rainbow fund is a particularly suitable investment vehicle for building up a personal fund over time. 3 Our specialists will adapt the spread of investments to fit in with changing financial market conditions. 2 The BCGE Group investment philosophy is available from our branches or on our website, at

4 Defensive, balanced, dynamic or aggressive, BCGE Rainbow fund offers a choice of four risk profiles for you to choose from Your adviser will help you work out a risk profile to suit your personal situation and your investment aims. Defensive profile BCGE Rainbow fund Defensive Balanced profile BCGE Rainbow fund Balanced Investment aims with a defensive profile, you are primarily interested in preserving your capital and returns this is the profile for you if you want to achieve long-term growth of your capital, while limiting risks Willingness to accept risk less than average minimum capital fluctuations about average minor capital fluctuations 4 Investment fund policy mainly invested in bonds, BCGE Rainbow fund Defensive is based on top-quality bonds, in order to maintain your capital in the medium term. It also contains a limited equity component, to be able to profit from share market performance if suitable opportunities arise. the proportion of equities in the BCGE Rainbow fund Balanced may vary between 30% and 60%, while the bond component varies between 40% and 70%. The managers are always seeking the best balance between shares and bonds, to offer you an optimum risk/return ratio. Investment categories Min. Max. Liquidity 0% 25% Bonds 55% 75% Equities 10% 30% Min. Max. Liquidity 0% 25% Bonds 40% 70% Equities 30% 60% Currencies Investment horizon guide CHF CHF and EUR 3 5 years 5 7 years

5 Dynamic profile BCGE Rainbow fund Dynamic Aggressive profile BCGE Rainbow fund World Equity with a dynamic profile, you focus on capital gains, while keeping a component invested in bonds the aggressive profile aims at long-term capital growth through an equity fund orientation greater than average ready to accept capital fluctuations high ready to accept major capital fluctuations the BCGE Rainbow fund Dynamic is mainly invested in equities, to boost your capital in the medium term. It also contains a limited bond component, intended to dampen the effect of stock market fluctuations. mainly invested in equities, the BCGE Rainbow fund World Equity allows you to diversify your investments within carefully selected funds with strong long-term growth potential. Marked price fluctuations are possible. 5 Min. Max. Liquidity 0% 25% Bonds 25% 35% Equities 45% 70% Min. Max. Liquidity 0% 33% Bonds 0% 33% Equities 67% 100% CHF and EUR 7 8 years CHF 7 years and over

6 BCGE Rainbow fund performance Constant and sometimes significant fluctuations are a feature of financial markets, especially equity markets. Observations show that in the long term, a higher return 3 can be obtained with equities than from fixed interest investments (bonds, cash, etc.). The BCGE Rainbow fund offers you wide range of high-calibre investments and prospective returns in line with the risk profile chosen. Ask your BCGE adviser for the BCGE Rainbow fund monthly bulletin (in French only), to find out the present performance of the fund, or visit our website at 6 BCGE Rainbow fund: a host of advantages! You have access to the stock market even with limited capital You benefit from a high degree of diversification of your investments You have access to a selection of the world s best equity investment funds and to bonds from the highest quality issuers You benefit from professional management You invest in line with your risk profile You benefit from a rigorous and transparent investment philosophy You choose an optimum risk/return ratio You free yourself from the worry of monitoring your investments yourself 3 Past performance is not a guarantee of future results and must be considered in the light of the recommended duration of the investment

7 7 Further reading: BCGE Group investment philosophy BCGE Group investment strategy (published quarterly) Performance figures and management commentaries (monthly bulletins, half-yearly and annual reports in French only) Regulatory documentation (prospectus and regulations in French only) Pricing information ( Fees for wealth management for private clients ) All the above are available in our branches and on our website:

8 7149E/ tmp.ch Banque Cantonale de Genève Telephone: +41 (0) info@bcge.ch 23 branches in Geneva Registered office: Quai de l Ile 17 CP Genève 2 Main branches: Ile, Servette-Wendt, Trois-Chêne, Grand-Lancy Private Banking in Switzerland Quai de l Ile 17 CP Genève 2 Avenue de la Gare 50 CP Lausanne Piazza Rezzonico 6 CP Lugano Lintheschergasse 19 Postfach Zürich BCGE reserves the right to modify at any time the prices and services appearing in this brochure.