Heidi Elmér

Offers insurance and long term savings to individuals and businesses

Skandia Liv is a prudent investment manager with a long-term outlook, focused on return stability and meeting planned withdrawals. A large proportion of the firm's assets are invested in fixed-income with approximately equal proportions of nominal and inflation-linked securities, focusing on government and high-grade bonds. Skandia Liv also invests in domestic and international equity, in Swedish commercial and residential real estate, as well as in a few unlisted companies and alternative fund of funds. The firm's asset management approach combines strategic analysis and multi-manager selection. Skandia Liv's investment process starts with macro-economic assessments and forecasts of economic trends in Sweden and abroad, resulting in strategic asset allocation. Once Skandia Liv has defined the asset class and market allocation as well as the risk characteristics for each portfolio, they delegate management to select external asset managers. The firm manages domestic equity portfolios directly.

HBF utilizes active strategies that aim to deliver yields that outperform the index over the long-term. For equity management, every active position is based on fundamental analysis in their proprietary model for company evaluations. Within active fund management, the firm works with several investment processes: Allocation, Theme-based, Selective, Small-caps and Fixed income. The investment process for each product requires the fund manager responsible for the portfolio to take several investment decisions. With each investment decision the fund manager is responsible for ensuring that the decision concurs with the objective, investment strategy and risk mandate for the fund/discretionary mandate in question.