Which investment instruments are used?

The portfolio is made up of collective investments. For each market, we analyse whether actively managed investment funds or index funds are better suited. When using index funds, we make sure that cost-effective or institutional tranches are available which meet all the qualitative requirements.

VZ only invests in funds that perform well in analyses. This results in a measurably improved performance. As it is independent, VZ is not bound by a limited investment universe and can always choose the best fund free of conflicts of interest.


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