H I A - Helvetia Investment Advisors Sa

Item 5: Fees and Compensation                                    following types of clients:
A. Fee Schedule                                                        •     Individuals
Investment Supervisory Services Fees                                   •     High-Net-Worth Individuals
                                                                       •     Pension and Profit Sharing Plans
 Total Asset Under Management
                                 Annual   Annual Fee                   •     Trusts, Estates, or Charitable
                                Fee ADV      DIS
                                                                             Organizations
      $ 0 – 1,000,000             1%          1%
                                                                       •     Corporations or Business Entities
 $ 1,000,001 - $ 5,000,000      0.65%        0.65%
                                                                 Minimum Account Size
    Above $ 5,000,001           0.50%        0.50%
                                                                 There is an account minimum, $100,000,
                                                                 which may be waived by the investment
These fees are negotiable and the final fee                      adviser, based on the needs of the client and
schedule is attached to the Investment                           the complexity of the situation.
Management Agreement entered by HIA and
the client. Fees are paid quarterly in arrears,
and clients may terminate their contracts with                   Item 8: Methods of Analysis, Investment
thirty days' written notice. Because fees are                    Strategies, and Risk of Investment Loss
charged in arrears, no refund policy is
                                                                 A. Methods of Analysis and Investment
necessary. Clients may terminate their
                                                                 Strategies
accounts without penalty within 5 business
days of signing the advisory contract.                           Methods of Analysis
Consolidate Repo and US tax reporting                            HIA, based on the investment process, selects
Statement                                                        external service provider to access to primary
It depends on the complexity of client’s                         Macro, Country and Sector Research. Both,
situation. The range is 0-0.50%.                                 Top down and bottom up approaches are
                                                                 used. To select individual securities (i.e.
B. Payment of Investment Supervisory Fees                        stocks, bonds, ETFs, etc.) HIA focuses on four
and other Fees                                                   different types of analysis: Macro Cycle
                                                                 Analysis, Fundamental Analysis, Charting and
Advisory fees are withdrawn directly from the                    (complementary) Technical Analysis. The
client' s accounts with client written                           whole selection process is set to result
authorization. Advisory fees may also be                         independent, so to avoid any kind of conflict of
invoiced and billed directly to the client with                  interest
payments due quarterly upon invoice. Clients
may select the method in which they are billed.                  Investment Strategies
                                                                 The preliminary step to define an investment
                                                                 strategy of HIA is to listen to the client so to
                                                                 understand best his needs, and later on
                                                                 defining his risk profile (presumed return
                                                                 expectations, risk tolerance and personal loss
                                              Helvetia Investment Advisors | Via della Posta 4, 6900 Lugano - CH | +41 091 910 05 84
                                                              Form ADV Part 2A Disclosure Brochure & Privacy Policy | Page 5 of 10

capacity and knowledge and / or experience in                trading, when done, can affect investment
financial instruments). Once defined the                     performance, particularly through increased
client’s profile, HIA develops and, according to             brokerage and other transaction costs and
the type of mandate, offers an advisory service              taxes. Short term trading generally hold
or implements in case of discretionary                       greater risk and clients should be aware that
strategies, mainly using long term trading                   there is a material risk of loss using any of
strategies (strategical asset allocation) but                those strategies.
also using short term (tactical allocation, also
called satellites) so to best adapt the client’s             C. Risks of Specific Securities Utilized
portfolio to market changes. As you can see in               HIA generally seeks investment strategies that
item 13, portfolio risk and performance                      do not involve significant or unusual risk
monitoring and always keeping the client                     beyond that of the domestic and or
informed is the last important step of HIA’s                 international equity markets; however the
investment strategy.                                         client have to know that 1) past performance
B. Material Risks Involved                                   is not a guarantee of future returns 2) investing
                                                             in securities involves different kinds of risks
...