Q: How do i open an investment account ?

A: Either by clicking on the “Open an account” button by the top of the page, or by starting to build up your plan with our goal based plan builder tool.

Q: How does the account opening process look like? What should i be prepared for?

A: First, your investment profile will be assessed by completing a questionnaire. Next, you will need to provide your personal information through a form or a video call  with our representative. Third part will be about legal documents between the company and yourself - as well as identity verification.

Q: How do I verify my identity?

A: With a colored copy of one or more documents of the following: Passport, National ID or Government issued ID.

Q: How do I verify my source of funds?

A: By providing one of the following documents: Yearly tax declaration, Payroll receipt, Bank statement (showing more than 6 months), Contract for sale of property or Insurance compensation receipt

Q: How do I verify my address?

A: With any of the following documents: Recent utility bill (gas, electricity or landline phone) no older than 6 months, Bank Account or Credit Card Statement (under conditions) no older than 6 months. The document has to be in your name and clearly has to show your name and address.

Q: To which countries is the service provided?

A: Austria, Azerbaijan, Belarus, Belgium, Belize, British Virgin Islands, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Georgia, Germany, Greece, Hungary, Indonesia, Ireland, Italy, Kazakhstan, Latvia, Lithuania, Luxembourg, Malta, Moldova, Netherlands, North Macedonia, Norway, Peru, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine and United Arab Emirates.

Q: What type of investment can I make with ISEC Wealth Management?

A:

ISEC offers discretionary portfolio management services, according to your economical profile. We diversify your portfolio using ETF's, stocks and shares.

Q: What does high liquidity mean?

A: Liquidity describes the degree to which an asset or security can be quickly bought or sold in the market without affecting the asset's price. Market liquidity refers to the extent to which a market, such as a country's stock market or a city's real estate market, allows assets to be bought and sold at stable prices.

Q: How can I see my portfolio’s performance?

A: You can log into your account anytime and review the detailed statistics and performance of your portfolio.

Q: How do you make investment decisions? Do you rely on quantitative decision or mathematical models or do you rely on using judgment, experience, and intuition to make investment decisions?

A: Investment models follow mathematical models and quantitative decisions. Market data are used as base for mathematical model. We follow models which define asset classes based on mathematics and on customer investor profile. For example if you will have conservative model, we define asset classes and according to that we choose instruments.

Q: How does investment risk and reward work?

A: Risk and reward are intrinsically connected. The more risk you take on, the greater the potential reward. Conversely, as you strive for higher growth, the more you can potentially lose. We know that when you invest, you not only want to know how much you can potentially make but also how much you’re putting at risk. This is what the investment portfolios aim to do.
Each different type of investment carries a level of risk. The riskier the asset, the higher the potential return - and greater the loss potential.

Q: Why is rebalancing important?

A: Portfolio rebalancing is extremely important because it helps investors to maintain their initial asset allocation. By periodically rebalancing, investors can diminish the tendency for “portfolio drift,” and thus potentially reduce their exposure to risk relative to their target asset allocation.

Q: What is strategic asset allocation?

A: Strategic asset allocation is a portfolio strategy that involves setting allocations for various asset classes and rebalancing periodically. The portfolio is rebalanced to the original allocations when they deviate significantly from the initial settings due to differing returns from the various assets.

Q: What is Asset Correlation and why is correlation important?

A: Asset correlation is a measurement of the relationship between two or more assets and their dependency. This makes it an important part of asset allocation because the goal is to combine assets with a low correlation.

Q: Does portfolio manager change your asset allocation in light of economic conditions?

A: The portfolio manager based on his discretion can slightly deviate from the initial asset allocation in light of economic conditions. However, the portfolio manager will make sure that such deviations will not cause the initial portfolio category to be changed from the initial allocation.

Q: Can I find the history of amounts paid out by the portfolios?

A: The ISEC portfolios are separately managed accounts (SMAs), the amounts are paid according to each SMA. The way they work is, that we run an investment model, and each investor has individual (separately managed) account, which follows that investment model, financial instruments are held in the investor’s own names, and dividends/yields from them are paid directly into SMA’s. The amounts are paid directly into your account on the relevant dividend/ yield payment date – quarterly. Please note that all the records are highly hypothetical record according to investment model.

Q: What is the minimum amount required to open an account?

A: The minimum initial investment is 10.000 USD/EUR.

Q: How do I invest with your company, which payment method I can use to deposit into my account? / How do I fund my account?

A: You can fund your account by using bank wire, once your account is approved, we provide you with necessary bank details for relevant bank

Q: Are there restrictions on funds deposited to my account?

A: We don’t accept payments from 3rd party, bank-wire needs to be sent from bank account under your name. The amount of your deposit is not limited.

Q: How will I know that ISEC WM received my money and where can I see my money?

A: Once money arrives to company account, which usually takes about 1-3 working days, our back-office team will notify you per e-mail and you will be able to log in on-line through member area on our web-site to view your funds

Q: Do I need to pay taxes from profits?

A: Every government has different tax procedures, in order to find out more informations, please contact relevant government tax office in your domicil / country. We don’t provide advises regarding tax.

Q: Who is ISEC Wealth Management?

A: ISEC is regulated by the Cyprus Securities and Exchange Commission (CySEC) and fully complies with the Markets in Financial Instruments Directive (MiFID II). We provide technology based asset management and custodian services, tailored to your investment needs and goals. ISEC will deliver a well-diversified portfolio which you can monitor in real time.

Q: How does portfolio management work?

A: We believe that best results are achieved when individual needs are taken into account. This is the reason we work with investment models developed for different investment goals, unique investor profiles and various scenarios. Whether you are cautious and limiting risk to the minimum, or adventurous and willing to take more chance in your investments, you will find the perfectly fitting style for yourself within the range of our investment models.

Q: Are you regulated company?

A: Yes, we are regulated by Cyprus security and exchange commission ( CYSEC ). You can find our licence registration here: https://www.cysec.gov.cy/en-GB/entities/investment-firms/cypriot/79759/

Q: Is my account protected in case ISEC Wealth Management defaults?

A: ISEC Wealth Management Limited (hereinafter, the "Company") is a member of the Investor Compensation Fund ("ICF") for the Clients of Cyprus Investment Firms ("CIFs"), under the Investment Services and Activities and Regulated Markets Law of 2017 L. 87(I)/2017 ("the Law").

Q: What should I do, if I can’t log in?

A: Make sure your log in credentials are correct, if your issue continues try to reset your password.

Q: What should I do, if I can not log in after reseting password/ with correct password?

A: 1. Please make sure that you are using updated Explorer we recommend to use Google Chrome 2. Clear your browsing data, delete cookies and caches 3.Go to www.is-wm.com and try to log in 4. If your issue persist, please provide us with a print-screen of an error and which PC system are you using 5. Please send us all details and printscreens regarding your Log in issue to [email protected]