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ETF-INVESTMENT

Sana from Sagefund - How I invest

Who are you?

I am a licensed financial advisor and founder of Sagefund. I was a UX lead at Mitte.co, so I know first-hand how important user experience is. It is my goal to harness the power of good UX for investing.

Fun Facts: I have met the president of Nepal and have been a vegetarian for over 10 years.

Hobbies: I love looking at good data visualisations, dancing jazz and hiking in the wilderness.

When did you start investing?

I started reading up on the subject 5 years ago. Then 3 years ago I started investing myself, initially just ETFs. In 2019, I started working on the concept for our start-up Sagefund. Our goal is to make sustainable investing as accessible and easy as possible.

Since 2020, I also have the 34f (financial investment intermediary) and also select stocks specifically.

What does your investment strategy look like?

For ETFs, I classically apply Modern Portfolio Theory and also take a lot of inspiration from principles of Risk Parity by Ray Dalio. I pay particular attention to sustainability criteria in ETFs, and prefer to choose SRI and impact rather than ESG criteria for equity ETFs, because these are often more selective and stringent.

For equities, my focus is on small cap value and growth companies from around the world.

I am absolutely not a fan of trends and short-term strategies. When I buy a stock or an ETF, I think to myself à la Warren Buffett: "Ok, I'm going to hold on to this one for at least 7 years". This makes me know the reasons for my decisions very clearly and I can then remain relaxed even during volatile market situations.

What is your secret tip or a sector/share that you currently like?

As I said, I don't believe in trends, insider tips and so on. I believe in solid and evidence-based strategies. That's what I do with Sagefund, friends/family and my own pension.

But in general, I am a fan of sustainable stocks and ETFs, as they are currently weathering the crisis better and have generally performed better over the long term. I see that this is not just a trend, but a turning point in the whole society and economy.

But if I may say something, I am quite a fan of the Asian equity space. Because it is often much cheaper and the performance is almost as good as the US market.

What was your biggest investment mistake?

I bought the AstraZeneca share and only looked at the fundamentals. It looked great, good performance, cheap price and solid balancesheet. But I forgot to read the news, otherwise I would have noticed that AstraZeneca was also developing a vaccine.

I try not to buy stocks that become attractive to speculators, and unfortunately all the pharmaceutical companies were part of this race and there was heavy speculation. So that had a negative effect on the price so far.

What does your portfolio currently look like?

Very diversified and relatively green. My goal is to make as much money as possible in the long term without the risk of total loss. That's why I invest almost exclusively in equities and equity ETFs.