Toward's approach in managing portfolios
At Toward, we believe successful wealth management starts with clarity of purpose. Every portfolio is designed to serve our clients’ long-term objectives, using a modern, evidence-based investment framework that balances cost efficiency with meaningful diversification.
Step 1: Defining your Goals
We begin with the Toward Goal-Based Tool, our proprietary framework that aligns your life goals with your investment objectives and risk profile. This ensures your portfolio is built around what truly matters to you.
Step 2: Strategic Asset Allocation
Asset allocation is the foundation of long-term returns. We design a strategic allocation tailored to your profile, balancing growth, preservation, and income according to your goals.
Step 3: Portfolio Construction
Using input from leading global asset managers such as BlackRock—while remaining fully independent through an open-architecture approach—we create model portfolios that blend active and index investing to deliver value for money.
Step 4: Advanced Risk Optimization
With our P360 tool, powered by BlackRock’s Aladdin technology, we optimize portfolios across correlations, risk factors, and market scenarios. This allows us to manage risk with precision while seeking consistent returns.
Step 5: Cost, Trading & Tax Efficiency
Every building block is evaluated not just for performance, but also for its total cost, trading efficiency, and tax impact, ensuring portfolios are lean, effective, and designed for long-term compounding.
Step 6: Diversification beyond Equities
Liquid Alternatives: We invest in innovative instruments, decorrelated with equity and fixed income, providing resilience when markets are under stress.
FX Hedging: Where appropriate, we hedge currency exposures, guided by insights from academic research.
Private Markets: For suitable profiles, we add an illiquid private markets allocation, sourced thoughtfully from equity and fixed income exposure.
Why Toward?
Our approach combines rigorous institutional techniques with cost efficiency to deliver a modern portfolio construction process. By blending active and index investing, optimizing for risk and cost, and sourcing differentiated return streams, we aim to provide true value for money and help our clients stay on course toward their long-term goals.
Toward was founded by three former BlackRock professionals, bringing deep expertise from the world’s leading asset manager. We are fully independent, free from product constraints, and uniquely combine cutting-edge tools with hands-on portfolio construction. Few players in Europe offer this level of integration between technology, independence, and investment insight—making our approach distinctive in both rigor and execution.