• CONNECT by Crossbridge

We put you in
the driver's seat


Our goal-based investment approach is centred around you, our clients.

CONNECT portfolios are designed to achieve optimal returns at every level of risk.

With insights from Morningstar, the global independent research and investment firm that works with some of the biggest investors in the world, we set the underlying strategy of each portfolio. Together we:

Define

Define

Define the initial asset allocation from a selection of 12 global asset classes, taking your risk profile into consideration.

Select

Select

Select the underlying securities for optimal returns. We are free to include all types of investments, whatever is appropriate for your goal and risk profile, including individual securities.

rebalance

Rebalance

Rebalance the portfolio periodically. This keeps the portfolio on track and helps protect your investments from changes in global economic conditions.

Performance driven

You expect results

We can’t claim to predict the performance of the markets, but we do know that for a given level of return, our aim is to reduce volatility and enhance performance through diversification across multiple asset classes. We do this while maintaining our commitment to fee transparency and product efficiency.

Performance Driven

Efficient investing

An investment strategy to maximise your total return

CONNECT uses Actively Managed Certficates as the investment vehicle for your portfolios. Banque Julius Baer, one of Switzerland’s most revered private banks, provides and issues the certificates.

Each CONNECT Certificate is built around its unique investment strategy and may hold individual securities, a basket of securities, commodities, exchange traded funds or other alternative assets — all chosen to provide optimal returns at every level of risk.

Most digital investment platforms limit your portfolios to Exchange Trade Funds (ETFs) because it simplifies the process. What they don’t tell you is that this policy also causes two major inefficiencies in their model:

  • ETFs carry fees which reduce the their returns. Moreover, these fees are passed to the clients in a process known as "fee stacking". CONNECT Certicates do invest in ETFs, but only in cases where they provide better access to an asset class than owning the underlying securities outright.

  • ETF-only portfolios have another major inefficiency — they require a large number of transactions to establish and to rebalance when markets move. These transactions result in additional fees which will impact your returns. Because each CONNECT portfolio is contained within one certificate, there are never any transaction fees to impact your investment returns — even during rebalancing.

Global diversification

Stabilising your portfolio returns by reducing concentration risk

One of the fundamentals of good investing is diversification. At CONNECT, we have done that work for you — every client can invest in a diversified portfolio of up to 12 global asset classes.

We selected these 12 asset classes based on careful consideration. Depending on your goal and your risk profile, your portfolio may include exposure to any of the following asset classes and regions:

Equities Fixed Income Other
U.S. Equities Global Bonds Global Real Estate Funds
Pan-European Equities Asian Bonds Commodities
Japan Equities Emerging Market Bonds Cash Equivalents
Asia Pacific ex-Japan Equities Global High-Yield Bonds
Emerging Market ex-Japan Equities

All-inclusive low fees starting from

+0.20%

No hidden fees

Low fees to maximise
your performance

A lot of time is spent discussing investment manager performance. But there is one aspect of investing that can make more difference on portfolio returns than any other — fees.

At CONNECT, we are committed to transparency and efficiency. That means we will never charge any hidden fees. Our efficient portfolios mean the advisory fee ranges between +0.20% and +1.25% per annum, depending upon the portfolio. This is the only fee you will ever be charged by CONNECT. Like you, we don’t like high fees.

Consider the following scenario

Many other investment solutions have multiple layers of fees and charges, which can add up to more than +5% of your investment upfront and +2.25% or more annually thereafter.

The impact of such fees on your returns over time is high — as much as US $850,000 on a US $1 million investment portfolio over a 20-year period. Please see the graph below.

US $1 million invested in the CONNECT Balanced Portfolio versus a typical, higher-fee mutual fund, over 20 years:

CONNECT Certificate vs Standard Mutual Fund

Try setting a goal for a no-obligation look at
a sample portfolio

Rest assured

Your money is safe

At CONNECT, we worked with leading providers to ensure that your money is kept safe. Your assets are held in custody in your name, at BNY Mellon’s Pershing LLC. Pershing LLC (member of FINRA, NYSE and SIPC), is a wholly owned subsidiary of The Bank of New York Mellon Corp. Clients’ assets and funds custodied with BNY Mellon’s Pershing LLC are protected by the Securities Investors Protection Corp (SIPC); this insures accounts up to US $500,000 (US $250,000 limit on cash).

CONNECT Certificates carry the credit risk of the issuer, Banque Julius Baer — which is rated Aa2 by Moody’s Ratings Agency. If the issuer were to default, the value of the certificates would fall as well.

CONNECT Certificates carry the market risk linked to their underlying strategy, meaning that the value will fluctuate with the value of the underlying investments. This is why it is so important that the investments you make are suitable for you and match your risk profile.

Get in Touch

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