DC360
Organise your financial goals by time horizon.
Short term • Medium term • Long term
Each horizon requires an appropriate investment approach.
Why choose the DC360 solution?
Preserve capital when needed
Short-term goals require stability and liquidity. The capital allocated to these goals is protected from unnecessary volatility.
Grow when time allows
With a longer horizon, investments can take on more risk and capture market growth in a disciplined way.
Reassess as goals evolve
Your portfolio adapts to your life. New goals, changing deadlines, or updates to your risk profile are incorporated in an integrated way.
The Three Integrated Portfolios
Each portfolio has a time horizon and a level of risk that matches the goals it is designed to serve.
Short-Term Portfolio
Horizon: Up to 1 year
Focused on liquidity and stability.
Typical Goals:
- Emergency fund
- Expected short-term expenses
- Planned purchases
- Immediate liquidity reserve
Characteristics:
- Risk: Low
- Priority: Liquidity
- Capital stability
- Quick access to funds
Medium-Term Portfolio
Horizon: 1 to 3 years
A balance between growth and risk control.
Typical Goals:
- Down payment for a home
- Children’s education
- Planned life projects
- Goals with a defined time horizon
Characteristics:
- Risk: Moderate
- Controlled growth
- Balanced diversification
- Moderate liquidity
Long-Term Portfolio
Horizon: 3+ years
Focused on disciplined long-term growth through index investing.
Typical Goals:
- A comfortable retirement
- Financial independence
- Legacy and life goals
- Wealth accumulation
Characteristics:
- Risk: Varies according to profile
- Low-cost index investing
- Automatic rebalancing
- Extended time horizon
How It Works
As deadlines approach, risk is progressively reduced.
Coordinated Plan
All portfolios work together within a unified strategy, avoiding the mix of goals with different time horizons.
Intelligent Rebalancing
As each deadline approaches, risk is gradually reduced and capital is transferred to the most appropriate portfolio.
Consolidated View
Follow your full financial situation through a single plan, with clarity on each goal and its progress.
Ready for DC360?
Start by discovering your investor profile and find the DC360 investment solution best suited to your goals.