| Cost component | Percentage | |----------------|------------| | Management fee | 0.75–1.50% p.a. (depending on fund) | | Performance fee | 10–15% of outperformance above hurdle | | Entry/exit load | 0–2% (waived for long-term holders) | | TER (Total Expense Ratio) | 1.2–1.8% |
Armonia’s core investment approach is characterized by:
How to apply "Armonia" to daily life.
Support for professionals seeking employment abroad.
#ArmoniaLiving #FindYourBalance #SlowLiving #MindfulDesign armonia
Manage Digital Signal Processing for crossovers, EQ, and limiters.
| Principle | Description | |-----------|-------------| | | Emphasizes capital preservation alongside moderate growth; typical equity/bond mix 30–60% equities depending on risk profile. | | Active management | Uses fundamental analysis, macroeconomic indicators, and tactical asset allocation rather than pure passive indexing. | | ESG integration | Increasingly incorporates environmental, social, governance criteria, aligning with SFDR (Sustainable Finance Disclosure Regulation) Article 8 or 9 funds. | | Long-term horizon | Discourages market timing; focuses on strategic allocation with periodic rebalancing. | armonia
Visualizing Armonia Aesthetic: Minimalist, Earthy, Soft.