Banca Finnat pursues a strategy based on in-depth, complete awareness of its customers, with a view to establishing a long-term, wide-ranging relationship. 
The Bank has selected different risk profiles to distinguish Customers according to their risk tolerance, their preferred investment horizons and their financial knowledge of the investment and hedging instruments.
The Customers is guided through the world of investments along paths defined at group level, which can be summarised in two steps: the management committee and the model portfolio. The management committee identifies the guidelines and strategic decisions that must steer the weighting in the various asset and sub-asset classes for asset management purposes and for the advisory services provided.
As an alternative to Capital Management, adoption of the model portfolio allows satisfaction of the diverse needs of Customers through selection of the individual funds, ETFs or lists of securities in order to provide the ideal, customised advice.
The portfolio approach as part of the advisory services allows the inclusion of a wide range of instruments, the different combinations of which offering diversification that increases returns and decreases volatility. An indispensable variable in achieving a correct range of investments is the time horizon.
Banca Finnat's approach to Customers offers a competitive edge in this respect. The advisor, studying – as is normal – the many aspects regarding the customer, his family and his company, knows the customer’s habits in judging the performance and dynamics of investments and the alternative investment needs that could arise unexpectedly.
Banca Finnat especially focuses on preserving its Customers’ capital, preferring to minimise portfolio volatility rather than seek high returns. This means that the choice of instruments tends to opt for the more liquid securities, and avoiding those traded on thin, high-risk profile markets. Instruments that tend towards illiquid have a limited impact, are well-identified in the portfolio and proposed only to Customers able to keep them for the entire investment horizon, with maximum transparency and correct financial education.