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The final stretch of the year is always a good time to pause and reflect. What’s gone as expected? What’s surprised us? And what does that mean for portfolio positioning?

In Luxembourg, custodian banks play a central role in safeguarding assets, ensuring both security and transparency in all financial transactions.

As investors return from the summer break, we’re seeing signs of renewed market momentum. Liquidity is improving and, while there have been occasional bouts of volatility and mixed headlines, sentiment remains cautiously optimistic. Equities have continued to rally throughout July and August even as economic growth slowed and political uncertainty lingered. Much of this resilience has been supported by expectations that the Fed will cut interest rates sooner than previously expected.

Discover structured funds, a bespoke investment solution that combines performance, diversification, and capital protection. Backed by the expertise of Quintet Luxembourg, access personalised strategies tailored to your financial goals.

In recent years, responsible investing (RI) has emerged as a vital approach for investors aiming to combine financial performance with positive societal impact. By considering not only financial aspects but also environmental, social, and governance concerns, RI supports initiatives contributing to a sustainable future. But what does it truly mean to invest responsibly, and why have ESG criteria become so significant?

In today’s opportunity-rich landscape, portfolio management is a powerful strategic tool for pursuing ambitious returns while maintaining a balanced risk profile. At Quintet, our wealth management expertise allows us to build bespoke portfolios fully aligned with each client’s objectives. By combining advanced techniques with cutting-edge technology, we deliver personalised solutions tailored to every unique situation.

When managing wealth, estate planning is a vital step to ensure your assets are transferred according to your wishes. Luxembourg’s inheritance and donation rules offer multiple possibilities, but understanding the local legal and tax framework is essential to make the most of them.

ELTIF 2.0 opens private markets to qualified retail investors, offering new ways to diversify portfolios in a changing world of decarbonisation and disruption.

Retirement planning is a key component of wealth management. It goes beyond simply saving. It involves anticipating your future needs, optimising available resources, and implementing a clear, long-term strategy. A well-prepared retirement enables you to maintain your lifestyle, protect your wealth and respond effectively to unexpected events.

Unlike traditional funds, alternative investment funds tend to offer greater flexibility in their management and aim to capture returns in a wide variety of market conditions. Thanks to its sophisticated regulatory framework and financial stability, Luxembourg has become a leading hub for this type of investment.

In an increasingly connected world, international wealth management has become an essential solution for investors seeking to optimise and protect their assets across multiple jurisdictions.

Investment funds play a central role in diversification and risk management, enabling investors to allocate their assets across different classes and sectors. But how can you determine which fund best suits your financial objectives and investor profile?

Unlike traditional investments in public markets, private equity allows investors to directly support the growth of promising businesses, often at key stages in their development such as startup, expansion, or restructuring.

For wealthy families and individuals, wealth management is not just about investments and returns, but about creating stable structures for the future. Through dedicated fund solutions and customised approaches, we help our clients plan for succession, ensure good governance and preserve family wealth in a changing world.

After two years of strong returns for global equities, what can we expect in 2025? Can they continue to rise after back-to-back years of +20% returns for the MSCI World Index? Henrik Drusebjerg, Head of Nordic Investment Strategy at Quintet Private Bank, delivers his predictions for the year 2025 with a special focus on Scandinavia.

Entrepreneurship is flourishing in Luxembourg, although there are challenges attracting talent and raising finance, according to a panel of entrepreneurs, advisors and investors who spoke at Quintet’s latest Inform & Connect event in the Grand Duchy.

In 2024, a monumental event is unfolding as 4 billion people across 74 countries cast their votes at national, regional, and local levels. Among these, the US Presidential, Senate, and Congress elections on November 5 are poised to be the most market-moving.

Six months, day for day, after our inaugural Inform & Connect event, our illustrious panellists provide you with their insights and analysis on the evolution of the Luxembourgish real estate market in Luxembourg based on their sector of activity since 1 February 2024.

The French head to the polls on June 30 and July 7 to elect their members of Parliament. How does that work? There are 577 seats up for grabs, so a party needs 289 seats to have an outright majority to govern. Anything less, in general, would mean that several parties may try to work together to form a coalition. This has been the case since 2022, with a coalition supporting President Macron given that his party does not have an outright majority.

In the midst of the largest intergenerational wealth transfer ever, families must navigate an increasingly complex environment.

We were proud to be a part of the prestigious AGEFI France Private Wealth Forum on April 23, 2024, at the iconic Shangri-La Hotel in Paris. Our very own Nora Lemhachheche, Co-Head of Wealth Management, contributed to a dynamic panel discussion alongside industry experts, exploring the vital topic of attracting and serving the next generation of investors including the Millennials and young entrepreneurs from both family office and private banking standpoints.

Through continuous collaboration and innovation, Quintet cultivates a dynamic ecosystem that drives superior client outcomes and fosters long-term relationships built on trust and performance.

Empowering its employees in a diverse and inclusive environment is a core component of Quintet Private Bank’s corporate sustainability strategy. It is one of the four pillars of an enhanced approach to sustainability that aims to benefit the firm’s clients, its people and the communities it serves.

Whether it’s what you wear or where you invest, everyone can contribute to the sustainable finance transformation. That’s the message from AJ Singh and Giulia Bruni Roccia, Head of Sustainable Investing and Head of Corporate Sustainability, respectively, at Quintet Private Bank.

Lower interest rates are likely to improve property market conditions, while the downturn offers an opportunity to address the current housing shortage, according to a panel of experts.

In line with the 2023 global real estate correction, Luxembourg property prices declined 13.6% on an annual basis as of the third quarter of last year, impacted by higher interest rates. The country’s property sector appears poised for recovery in 2024, however, especially following European Central Bank interest-rate cuts that are expected around mid-year. The sector should be further supported by gradually easing financial conditions and a broader macroeconomic recovery.

At a pivotal time in financial markets, many investors have yet to exploit the emerging opportunities. Ahead of opening a new office in Stockholm, Quintet Private Bank’s view of 2024’s complex markets simplifies the investment landscape.

According to Stéphane Ries, the increasing use of non-traditional assets as underlyings meets a growing demand from insurers, their partner-managers and their increasingly sophisticated policyholders.

For almost 75 years, Quintet Private Bank has been offering agility and the personal touch

On november 9, Quintet was named one of the best private banks in Luxembourg at the 2023 Global Private Banking Awards, hosted by Professional Wealth Management and The Banker, highly respected publications of the Financial Times Group.

To meet ESG goals and contribute to the sustainability transition, banks must have a solid and coherent sustainability strategy. Board directors can play an important role in shaping that strategy, argues Giulia Bruni Roccia, Head of Corporate Sustainability at Quintet Private Bank in Luxembourg.

In Luxembourg and across Europe, we are focused on doing well for our clients and doing good in the communities we serve.

Stéphane Ries, Managing Director FIM Luxembourg, has been an LPEA board member for the last 2 years but involved for more than 10 years in association’s activities, actually since Quintet Private Bank signed the membership with them at their creation in 2010. LPEA represents, promotes and protects the interests of the Luxembourg private equity and venture capital industry. The article drafted benefits from Stéphane’s broad experience gained in the banking sector, as a board member of LPEA and President of Iles de Paix, a Luxembourg-based NGO.