Services tailored to your needs

• What others do
• Trend research
• Diversification
• Our absolute performance
• An intelligent robot
• Risk limitation

To reduce your overall transaction costs and optimize your portfolio risk, our
automated management is carried out through a UCITS 5 Luxembourg Fund, risk 4 and with
daily net asset value: “Imperative Absolut Return” reserved exclusively for our customers.
You can therefore only subscribe to it after first signing a management mandate.
with Imperative Wealth.

The Banque du Luxembourg, the Fund’s custodian, only accepts customers who have
duly signed this discretionary mandate.

This discretionary management mandate has a single annual cost that includes all fees
inherent to the management of your account. With us, there are no additional hidden costs.
will be billed to you.

There are two ways to open an account:

1/ Either you wish to open an account with our financial partner, “la Banque du
Luxembourg”. There are no subscription or redemption fees. And you
benefit from all the services and financial advantages of one of the world’s most solid banks.
Luxembourg.

2/ Or you want to stay with your current dealer. Signing the management mandate
will then authorize you to purchase units of our Fund up to the value of the holdings you have made.
you have allocated to our management. But you’ll have to pay any subscription fees
and redemptions from your bank. In addition, the retirement plan will not be available from your bank.

To become our customer you must be a member of the European Union.
Then, in accordance with the new European regulations, we have to tell you
ask a number of mandatory legal questions via our opening questionnaire
account.

Our questions are twofold:

1/ K.Y.C. (Know Your Customer), questions to verify your identity.

2/ A.M.L. (Anti Money Laundering), questions about the origin of your savings.

Your answers will be kept strictly in-house and will naturally never be passed on to third parties.
exploited for other purposes.

After analyzing your legal answers, you’ll quickly know whether you can become our
preferred customer.

We will then send you the discretionary management mandate for signature. From the
Upon receipt of your signed mandate, we will assign you an account number.

Management of your assets can begin within 3 days of the arrival of your funds on
your account.

1 Complete our online questionnaire

This questionnaire is required by law.

It allows us to get to know you better and to ensure that our investment offer is
adapted to your needs.

At the end of this questionnaire, we’ll propose the risk profile we feel is best for you.
your situation.

2 Scan and upload your identification documents

3 Sign the discretionary management mandate

At this stage, your account application is complete.

4 Our compliance department must analyze your information

For our Silver offer, our compliance department will contact you within a week to
finalize the administrative process. If you are accepted, you will be assigned a
account.

For our Gold and Silver offers, you will then be contacted by a Wealth manager who will
propose an appointment at our premises to finalize your acceptance file

5 Transfer your assets to the account allocated to you with our custodian bank

Management begins at the beginning of the month following receipt of your assets.

1 The risk profile of our automated management system

As our management is highly diversified, we have a risk profile of 4 on the risk scale.
from 1 to 7. In fact, we are able to achieve performance with low volatility (variation
of portfolio performance). For information, traditional equity funds have a
risk 6 or 7.

In other words, if you invest 100% of your portfolio in our strategy (“profile
optimistic”), you benefit from good performance with reduced risk. Our portfolio
invested 100% in our strategy is equivalent to a balanced profile among bankers
traditional.

2 What is an investor’s risk profile?

Your risk profile as an investor is an assessment of your propensity and ability to invest.
ability to take risks in managing your portfolio.

Your risk profile is determined by three main considerations: your tolerance
to risk, the risk you would have to take to generate a sufficient return, and your
ability to take risks.

3 Risk tolerance

Your risk tolerance is the level of risk you are comfortable with. When we
As we age, our tolerance to risk often decreases.

An online questionnaire is used to assess your risk tolerance. Visit
questionnaire identifies your behavioural responses to a panel of scenarios taking into account
your level of experience as an investor, your understanding of the
financial markets, your personal assessment of risk, and your own personal experience.
felt when markets rise and fall.

4 The necessary risk

Necessary risk is the level of investment risk you would have to take in order to
achieve your goals.

For example, if you need a high return to carry out a personal project, you can
will have to accept a higher level of risk.

5 The ability to take risks

Your risk capacity is the level of financial risk you can afford to take.
The best way to do this is to take into account your investment horizon and the funds you can invest.

6 How do we take your risk profile into account?

We take your risk profile into account by investing a portion of your assets in our
Absolute Return” strategy, and placing the remainder in a no-risk investment strategy.
risk (government bonds).

You can therefore decide on your risk/return trade-off by adjusting the proportion of your assets in your portfolio.
For this purpose, we offer three profiles:

Optimistic profile: all your available capital is allocated to our “Absolute” strategy.
Return”.

Confident profile: 80% of your capital is allocated to our “Absolute Return” strategy, 20% is
placed without risk.

Cautious profile: 60% of your capital is allocated to our “Absolute Return” strategy, 40% is allocated to our “Risk Management” strategy.
placed without risk.