Investment guide

The philosophy of an investment fund such as ISI is to make it easy and safe for investors to obtain a good return and lead a more rewarding life. ISI gives you the opportunity to invest in different types of securities by buying investment units in one or more ISI funds. Units represent an excellent option for everybody wishing to maximise their savings. ISI was established on Sydbank’s initiative in 1992. In line with developments in the securities markets, ISI has widened its range of funds and currently offers nine different funds covering most investor needs and requirements.

Are you a private investor or an institutional client?
ISI offers a wide range of investment opportunities. Before you go ahead and buy units we recommend that you contact your investment manager in order to tailor your portfolio to your needs and expectations. To ensure that you receive the best possible advisory services, please select:

• Private Investors
• Institutional Clients
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How to invest
Before investing it is important that you carefully consider a number of questions about how you wish to plan your investments. You will need to identify your needs and requirements in terms of investment horizon, return and risk in the short and long term.
 

Investment horizon
If you are looking for a long-term investment, ie money that you will not need within the next few years, it is often a good idea to compile your portfolio with a large share of equities and a minor share of bonds. This compilation will give you a high projected total return over a large number of years.

If, on the contrary, you will need your money in the not too distant future (if for instance you wish to buy a house or a car) you may find that a risky investment decreases in value just when you want to use the money. Therefore if your investment horizon is short term, we recommend that you invest primarily in bond funds with minor price fluctuations.
 

Return and risk appetite
Return and risk appetite are closely related when investing in securities. As a rule of thumb, the greater the risk you are willing to assume, the higher the return you may expect to receive on your investments. If you choose high-risk investments you should expect relatively large price fluctuations compared with low-risk investments. Your “reward” for running a greater risk is a projected return that is higher than the return on low-risk investments.

The information on these pages helps you tailor your investments to your present and future needs and requirements.

• About ISI (PDF)
• ISI master data 
   

Advisory services

1. Advisory services
   ISI (Investeringsforeningen Sydinvest International) offers  funds each covering a particular investment area. Some funds focus on investments in equities, others on investments in bonds. Your account manager will provide you with information about securities investments before you make your choice – and the result will be a securities portfolio tailored to your specific needs. Please feel free to set up a meeting with your account manager.
2. Purchase of investment units
   When buying an investment unit in any ISI fund you become a joint owner of the fund’s capital. Each ISI fund invests in a wide range of equities and bonds, which means that each investment unit owned by you is equal to an ownership share in different securities.
   If you own ISI investment units they may be deposited into a custody account with your bank.
3. Return on investments
   Ongoing asset management provides you with a good opportunity to increase the value of your investments. The total increase in value accrues to the investors. In accumulation funds the annual performance of a fund manifests itself as a rise in investment unit prices.
4. Investment management
   Managing your investments can be a time-consuming affair, so why not leave that to us?
   ISI's securities experts are responsible for ongoing fund asset management where buying and selling fund securities is subject to careful analysis of anticipated market developments. It is easy to change your portfolio composition: investment units can be bought and sold overnight at your bank.
5. Tax information
   ISI funds have been approved for marketing in Germany and Switzerland.
   Your tax consultant will provide you with detailed information on the taxation of foreign investment funds.