mBank expert team offers professional funds investment on the basis of a power of attorney granted by the client in accordance with the selected investment strategy taking into account:

  • preferences,
  • investment goals,
  • risk appetite,
  • expected return rate within the set period.

Individual strategies

Asset management in line with an individual client profile

The individual strategies are prepared and managed in accordance with the individual profile and investment expectations of the client with regard to asset classes, allocation, fees.

The minimum asset amount necessary to start a strategy totals PLN 5 million1.

Model strategies

Asset management addressed to clients relying on experts’ knowledge

The manager purchases and sells securities and other financial instruments, and takes all actions necessary for proper management of the entrusted funds.

The manager constantly monitors the portfolio and introduces changes thereto, depending on the market situation.

We offer model strategies at various risk levels, including seven benchmark strategies and one non-benchmark strategy (an absolute return strategy).

  • 1.  

    Aggressive Share Strategy

    • Strategic target

      The target of the strategy is to achieve a significant capital increase over a long period with the acceptance of high investment risk. Due to the high allowed percentage of shares in the portfolio, its value might fluctuate significantly. The percentage of shares may vary between 60% and 150%, but as a rule it should range from 80% to 110%. The main factor influencing the portfolio’s result should be the selection of companies while allocation will play a less significant role.

       

      Basic information

      • Financial instruments of low risk level
      		 from 40%
      • Financial instruments of high risk level
      		 from 60% to 150%
      • Manager
      		 Dominik Gaworecki
      • Benchmark
      		 WIG20
      • Minimal exposure
      		 PLN 200,000

       

      Results

         YTD  1M  3M  12M  36M Results from the beginning of the functioning of the portfolio
        31.12.2015
      31.12.2016      		 30.11.2016
      31.12.2016      		 30.09.2016
      31.12.2016      		 31.12.2015
      31.12.2016      		 31.12.2013
      31.12.2016      		 31.12.2011
      31.12.2016
      Aggressive Share Strategy +17,08%  +4,63%  +6,77%  +17,08%   +30,73%  75,07%

       

  • 2.  

    Share Strategy

    • Strategic target

      The target of the strategy is to achieve a significant capital increase over a long period with the acceptance of high investment risk. Due to the high allowed percentage of shares in the portfolio, its value might fluctuate significantly. The percentage of shares may vary between 40% and 100%, but as a rule it should not fall below 60%. The main factor influencing the portfolio’s result should be the selection of companies while allocation will play a less significant role.

       

      Basic information

      • Financial instruments of low risk level
      		 from 0% to 60%
      • Financial instruments of high risk level
      		 from 40% to 100%
      • Manager
      		 Dominik Gaworecki
      • Benchmark
      		 20% * ro/N + 80% * rWIG20
      • Minimal exposure
      		 PLN 200 000 zł

       

      Results

         YTD  1M  3M  12M  36M Results from the beginning of the functioning of the portfolio
        31.12.2015
      31.12.2016      		 30.11.2016
      31.12.2016      		 30.09.2016
      31.12.2016      		 31.12.2015
      31.12.2016      		 31.12.2013
      31.12.2016      		 31.12.2011
      31.12.2016
      Share Strategy +11,68%  +3,45%  +3,68%   +11,68%   +9,58%  12,60% (8/1/2013)

       

  • 3.  

    Mixed Strategy

    • Strategic target

      The target of the strategy is a long-term maximisation of the return rate on the entrusted capital, with the use of debt securities and the share market increase potential, simultaneously accepting moderate investment risk. In short periods, the value of the portfolio might fluctuate; however, the manager’s goal is to protect the entrusted funds, also during periods of economic downturn on the market. The main factor influencing the portfolio’s results should be the selection of instruments bought for the portfolio and, to a lesser extent, allocation between risky and safe instruments. The behaviour of the strategy should be similar to that of stable growth funds.

       

      Basic information

      • Financial instruments of low risk level
      		 from 40% to 80%
      • Financial instruments of high risk level
      		 from 20% to 60%
      • Manager
      		 Dominik Gaworecki, Marcin Grotek
      • Benchmark
      		 60% * WIBID 3M + 40% * rWIG20
      • Minimal exposure
      		 PLN 200 000

       

      Results

         YTD  1M  3M  12M  36M Results from the beginning of the functioning of the portfolio
        31.12.2015
      31.12.2016      		 30.11.2016
      31.12.2016      		 30.09.2016
      31.12.2016      		 31.12.2015
      31.12.2016      		 31.12.2013
      31.12.2016      		 31.12.2011
      31.12.2016
      Mixed Strategy +5,67%  +1,76%  +1,31%   +5,67%    +4,83%  8,45% (17/1/2013)
  • 4.  

    Income strategy

    • Strategic target

      The target of the strategy is a long-term maximisation of the return rate on the entrusted capital, with the use of debt securities and the share market increase potential, simultaneously accepting moderate investment risk. In short periods the value of the portfolio might fluctuate and the manager’s goal is to protect the entrusted funds, also during periods of economic downturn on the market. The main factor influencing the portfolio’s results should be the selection of instruments bought for the portfolio and, to a lesser extent, allocation between risky and safe instruments. The behaviour of the strategy should be similar to that of stable growth funds.

       

      Basic information

      • Financial instruments of low risk level
      		 up to 100%
      • Financial instruments of high risk level
      		 from 0% to 30%
      • Manager
      		 Marcin Grotek, Dominik Gaworecki
      • Benchmark
      		 15% WIG20 + 85% WIBID 3M
      • Minimal exposure
      		 PLN 500 000

       

      Results

         YTD  1M  3M  12M  36M Results from the beginning of the functioning of the portfolio
        31.12.2015
      31.12.2016      		 30.11.2016
      31.12.2016      		 30.09.2016
      31.12.2016      		 31.12.2015
      31.12.2016      		 31.12.2013
      31.12.2016      		 31.12.2011
      31.12.2016
      Income strategy +4,73%  +1,24%  +0,06%   +4,73%    +8,29%  23,18%

       

  • 5.  

    Treasury Plus Strategy

    • Strategic target

      In a medium and long term, achieving rates of return that exceed the profitability of instruments not bearing risk, simultaneously maintaining the investment risk at a low level (construed as a small probability of achieving a negative 12-month return rate). The allowed investments include financial instruments which the State Treasury issued, provided surety or guarantee for as well as money market instruments. Diversification of the portfolio ultimately encompasses several or several dozen of selected series of treasury bonds, which ensures additional security of the investment.

       

      Basic information

      • Financial instruments of low risk level
      		 up to 100%
      • Financial instruments of high risk level
      		 none
      • Manager
      		 Marcin Grotek
      • Benchmark
      		 33% * WIBID 0/N * 0,9 + 67% * Citygroup Poland Government Bond Index
      • Minimal exposure
      		 PLN 500 000

       

      Results

         YTD  1M  3M  12M  36M Results from the beginning of the functioning of the portfolio
        31.12.2015
      31.12.2016      		 30.11.2016
      31.12.2016      		 30.09.2016
      31.12.2016      		 31.12.2015
      31.12.2016      		 31.12.2013
      31.12.2016      		 31.12.2011
      31.12.2016
      Treasury Plus Strategy +0,69%  +0,51%  -1,11%   +0,69%   +9,61%  21,60%

       

  • 6.  

    Multiple asset classes strategy

    • Strategic target

      Strategy of the absolute return type. The target of the strategy, in a long term, is achieving rates of return that exceed the profitability of instruments not bearing risk, simultaneously maintaining the investment risk at a moderate level.

      In order to protect the value of an investment portfolio, in periods of increased investment risk, the manager might limit the exposure to the share market and secure the portfolio when using derivatives; however, because of the high allowed percentage of shares in the portfolio, its value might fluctuate significantly, particularly in short periods.

       

      Basic information

      • Financial instruments of low risk level
      		 up to 100%
      • Financial instruments of high risk level
      		 up to 100%
      • Manager
      		 Dawid Czopek
      • Benchmark
      		 non-benchmark strategy
      • Minimal exposure
      		 PLN 200 000

       

      Results

         YTD  1M  3M  12M  36M Results from the beginning of the functioning of the portfolio
        31.12.2015
      31.12.2016      		 30.11.2016
      31.12.2016      		 30.09.2016
      31.12.2016      		 31.12.2015
      31.12.2016      		 31.12.2013
      31.12.2016      		 31.12.2011
      31.12.2016
      Multiple asset classes strategy +4,22%  +3,80%  +3,73   +4,22%   +9,00%  46,25%

       

Contact Centre

Correspondence address

mBank S.A.
Private banking
ul. Królewska 14
00-950 Warszawa
skryt. poczt. 728

Find office

Private banking call center

 

801 637 666

42 637 66 60

Blocking of payment cards

 

+48 22 515 36 36

+48 22 82 90 112

The presented investment results are historical results and do not guarantee that such results will be achieved in the future.

mBank provides services on the basis of an agreement concluded with a client regarding management of a financial instruments portfolio. The agreement defines, in particular, the risk factors which should be taken into account when

choosing an investment strategy. The permit for brokerage activity has been granted to mWealth Management by the Polish Securities and Exchange Commission (currently: the Polish Financial Supervision Authority).

Source: Own calculations of mBank. The gross return rate does not include the portfolio management fee. It is not guaranteed that the above results will be achieved in the future. The return rates are presented before the auditor’s analysis, therefore the final results may change.