Focus on the essentials

Institutional Security

Clevercircles belongs to Bank CIC (Switzerland) Ltd., a Swiss universal bank established over 100 years ago which is subject to Switzerland’s strict legislation. 100% made in Switzerland

Our encryption and authentication methods are state of the art. We don’t compromise.

Investment security

• You control the risk with your own investment strategy.
• Tactical control enables you to reduce the risk specifically when prospects are bleak.
• We can offer you simple savings-plan options to avoid timing risk because, if you invest regularly, you can’t go wrong in the end.

Your opinion counts

Let’s be honest: no one can predict the future. So we need to make assumptions. The wider the range of people you ask, the better the results.

On clevercircles, we speak a common intuitive language which enables us to collect differing opinions.

Everyone can share their opinion on clevercircles. And you decide whose opinion matters!

Why it works

People from the financial sector speak their own language. They talk amongst themselves, read the same newspapers and think in similar ways. Many people who speak on behalf of the financial sector are also involved in conflicts of interest. Different opinions are unwanted.

With clevercircles you can decide for yourself whose opinion is important to you. Whether they’re from friends, family, professionals, relationship managers, the media or the whole community – combine opinions and achieve better results thanks to the wisdom of crowds.

You choose the strategy

With clevercircles you define your strategy with the help of an assistant.

You choose your anticipated yield and the associated risk. Various indicators show you what you can expect.

Forming opinions and making decisions

With tactical asset allocation, you can check every two months whether you want to increase or reduce one or more asset classes. This enables you to decide regularly whether to reduce or increase the risk.

With clevercircles you can get the people you trust involved to help you form your opinion. The final decision is up to you.

Our service is unique: with clevercircles you can manage your investments just like a professional investment committee, only better.

See what’s important

On clevercircles you can see whose market expectations were correct and whose were not.

With clevercircles, you can check on the performance of your portfolio and how your position is looking online and on the app at any time.

We verify our participating investment professionals and publish the results on the platform.

Decide for yourself

You decide whether your profile is visible to others.

And you can also decide which circle you want to link your portfolio to.

The basis for good yields

With clevercircles you grow your assets systematically and intelligently. Step by step.

• Around 80% of growth is achieved through allocation to different asset classes (asset allocation). You control these classes with clevercircles.
• Costs are nothing other than negative performance. That’s why clevercircles is much cheaper than similar services.
• With clevercircles you put your portfolio together using passive ETFs and index-linked funds. These are much cheaper and better than active funds up to 90% of the time.

Good to know: clevercircles is not suitable for speculators who are looking to make a quick buck.

Actively manage your yield opportunities

With clevercircles, you can make regular tactical adjustments to your portfolio. Here’s an example: Do you think that US companies will do particularly well in the next few months? If so, increase your US equities position and make the most of your opportunity to boost your yield – free of charge.

And that’s not all: with clevercircles, you can ask the people you trust which markets they think will perform well or poorly. After all, none of us know what the future will hold. We can only make judgements – and judgements get better when lots of people give their opinion.

Only clevercircles can do all this.

Make yourself comfortable...

...because clevercircles offers you:

• Regular rebalancing
• Reinvestment of follow-up investments
• Automatic notifications at your chosen interval
• Simple savings-plan options

The best of robots and humans

Clevercircles combines the efficiency of “robo advisors” with the advantages of human intelligence.

“Robo advisor” means that a program (algorithm) invests the assets according to certain rules and in line with the defined strategy.

clevercircles offers these benefits too but, with clevercircles, it’s always you who is at the controls, not the robot.

More for you

Enjoy an early performance boost because, unlike with similar services, you’ll pay much less at all levels. This soon adds up to more than CHF 1,000 in extra yield each year. With clevercircles, everything is included and you won’t waste any time looking for hidden costs.

How much does clevercircles cost?

• Annual all-in fee: 0.75% p.a.
• From CHF 100,000: 0.6% p.a.

You can use clevercircles for free with virtual money to familiarise yourself with the platform and use it to form your opinions. Only when you open a custody account with the bank and invest real money will you incur charges.

Simple and intuitive to use

Clevercircles doesn’t try to explain everything at once. We’ll guide you intuitively and show you how to make your own decisions with ease.

We don’t like complexity

• Simple access via the web and app
• Simple price model
• Simple instructions and explanations
• Simple passive investment instruments