#ArmoniaLiving #FindYourBalance #SlowLiving #MindfulDesign
| Principle | Description | |-----------|-------------| | | Emphasizes capital preservation alongside moderate growth; typical equity/bond mix 30–60% equities depending on risk profile. | | Active management | Uses fundamental analysis, macroeconomic indicators, and tactical asset allocation rather than pure passive indexing. | | ESG integration | Increasingly incorporates environmental, social, governance criteria, aligning with SFDR (Sustainable Finance Disclosure Regulation) Article 8 or 9 funds. | | Long-term horizon | Discourages market timing; focuses on strategic allocation with periodic rebalancing. | armonia