We make decisions together.
mandate of
asesoramiento personalized
This option is ideal if you want to actively participate in investment decisions while having the ongoing support of an expert financial advisor. With personalized wealth management, Solventis acts as your financial co-pilot: we provide tailored analysis, strategies, and investment ideas, while you always maintain ultimate control over your portfolio.
Your financial copilot
to make better decisions
You actively participate in every investment decision, accompanied by a financial advisor who analyzes, proposes, and guides you with tailored strategies.
You have the final say; we provide the knowledge to help you make a better decision.
JOINT PLANNING
Together we establish the distribution of your assets among different asset classes (asset allocation)
- We begin by defining a global strategy with you.
- We analyze in depth your objectives, circumstances and risk profile, and draw up a financial plan that will serve as a roadmap.
INVESTMENT PROPOSALS
Based on this plan, our analysis team selects the best investment opportunities for your situation. We will present you with specific and well-founded recommendations.
- From which investment funds or securities to incorporate, to adjustments in the structure of your portfolio.
- Each proposal comes with a clear explanation of its advantages, associated risks, and how it fits into your strategy.
- We act with rigor and transparency, so that you have all the necessary information when making your decisions.
PROACTIVE MONITORING AND ALERTS
Our advisory work is not limited to giving specific advice; we monitor the evolution of your investments and, if conditions change (for example, significant movements in markets, regulatory changes or in your personal situation), we will notify you.
- We will suggest revisions or adjustments when necessary: perhaps rebalancing the portfolio, incorporating new defensive assets against volatility, or making profits/losses to optimize tax.
- We anticipate so you can make informed decisions in time.
EXPERT SUPPORT IN EVERY DECISION
You decide what to invest in and when, but you're never alone. Your advisor will be by your side to discuss each initiative and provide their professional expertise.
- You'll get a second qualified opinion before making any move, allowing you to invest with greater confidence.
- Our goal is to help you avoid common mistakes, take advantage of favorable opportunities, and always maintain financial discipline.
Expert support for
Invest with confidence
The Personalized Advisory Mandate allows you to actively participate in every investment decision, with the ongoing support of an expert financial advisor. You receive tailored strategies, aligned with your goals, while always maintaining ultimate control over your portfolio.
You have the ongoing support of an expert financial advisor.
You receive investment strategies and proposals tailored to your goals.
You always maintain ultimate control over your portfolio.
How We Do It
WE EVALUATE
YOUR SITUATION
We take the time to understand your situation, goals, and values in order to propose suitable investments. This discovery phase opens new perspectives for your wealth.
WE DEFINE
YOUR GOALS
We review your financial situation and analyze the best alternatives for you. We translate your priorities into concrete goals based on your risk profile, time horizon, and investment and sustainability preferences. This includes cash flow planning and pension tax analysis.
WE CREATE YOUR PLAN
Structure
We present your comprehensive wealth and investment plan, showing how it works today and how it will evolve over time.
IMPLEMENTATION
Once the solutions are validated, we implement the plan with you: We agree on recommendations, configure tax-efficient portfolios, and invest according to your strategy.
MONITORING
AND CONTINUOUS REPORTING
You'll have a dedicated team and ongoing support, with regular reviews and meetings. Reporting will be in accordance with Spanish and European regulations (such as MiFID II), and you'll have access to the client portal, our app, and all Solventis services.
A SIMPLE WAY TO INVEST WITH PROFESSIONAL SUPPORT
We provide you with a team that manages your portfolio comprehensively. We define the strategy with you, tailor it to your profile and objectives, and implement it continuously, with ongoing monitoring and control.
+ 1.000M
OF EUROS IN CLIENT ASSETS
+ 50
PROFESSIONALS
20
COLLECTIVE INVESTMENT INSTITUTIONS
+ 1.500
CUSTOMERS TRUST US
Download our
Quarterly letter
At Solventis we believe that trust is built with clear and truthful information, which is why we foster close, proactive and transparent communication with each client.
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Discover what drives us and how we approach wealth management in a unique way for our clients.
Differences in fund classes with currency hedges
FEDERAL SYSTEM
We solve your queries
So that financial decisions are made with transparency, clarity and trust
What is the suitability test and why do I have to take it before hiring?
The suitability test is a questionnaire required by MiFID II regulations that we conduct with you before formalizing any discretionary management agreement. Its purpose is to determine whether the proposed service and strategy are suitable for your specific situation.
Throughout the process, we gather information on four aspects: your investment experience and knowledge; your financial situation (assets, income, savings capacity, and liquidity needs); your investment objectives and time horizon; and your actual tolerance for losses and volatility. Since 2022, we have also asked about your sustainability preferences.
With all this information, we design a portfolio strategy that is consistent with who you are as an investor, not a generic model. Without a current suitability test, we cannot provide the service. If your circumstances change—a significant change in your assets, income, or goals—we recommend updating your test so that your portfolio remains optimally suited to your needs.
Will I have a personal manager assigned to me? How do I contact Solventis?
Yes. At Solventis, each discretionary portfolio client is assigned a dedicated private banking advisor who understands their situation, objectives, and portfolio history. This isn't a call center or a web form: it's a specific person you can call, email, or meet with whenever you need.
This manager acts as your main point of contact: explaining the Investment Committee's decisions, conveying Solventis' market outlook when relevant to your portfolio, coordinating periodic reviews, and channeling any instructions or changes you wish to introduce.
Beyond contacting your manager, Solventis has offices in Barcelona, Madrid, and Vigo, so you can meet with us in person in any of the three cities or connect via videoconference if you prefer.
Direct communication, without intermediaries and without constant changes of contact person, is one of the aspects that our clients value most.
What happens if my financial situation or goals change over time?
Discretionary portfolio management is a service that evolves with you. If your circumstances change—a significant increase or decrease in your wealth, a change in your income, an upcoming need for significant liquidity, retirement, an inheritance, or any other relevant event—your portfolio strategy should adapt.
To this end, we updated the suitability test and jointly reviewed the management mandate. If the adjustment involves changing the portfolio's asset allocation, we implemented it efficiently, taking into account the tax implications of the necessary adjustments.
Don't wait for the market to force you to make decisions: tell us in advance about any changes you anticipate in your situation so we can adapt your portfolio accordingly. Your dedicated manager at Solventis is available for these kinds of discussions at any time, not just during formal periodic reviews.
What strategies or portfolio profiles does Solventis offer?
At Solventis, we don't work with standard model portfolios that are automatically assigned to a generic profile. Our starting point is always your specific situation: your risk profile, your objectives, your time horizon, and the composition of your overall assets.
Based on this diagnosis, the Investment Committee together with its advisor designs a personalized strategy that can range from portfolios with a predominance of fixed income and low volatility assets, aimed at preserving capital, to strategies with greater exposure to global equities and alternative assets, aimed at long-term wealth growth.
For clients with larger portfolios or specific needs, exposure to particular markets, sector restrictions or sustainability preferences, customization can be even more granular, adapting the strategy to every detail of their situation.
In any case, the proposed portfolio will always be within the limits resulting from its MiFID suitability profile.