On the basis of a personal conversation, we draw up your Investment Profile, which becomes an integral part of the contract between you and NEST Investment Group. The investment profile accounts for such aspects as sought return, term of the investment, tax aspects, risk tolerance, income requirements, etc. On the basis of the Investment Profile, we design a personal investment strategy and "strategic" portfolio.

The Advisors at NEST Investment Group follow the movement of your assets prices and make changes in the portfolio, where this is necessary, in order to maximize the return on your investment. We regularly inform you of the introduced changes with reasoning for them and development expectations.

The key ideas behind our investment process are:

	Asset allocation is the primary determinant of a broadly diversified portfolio's performance.
	Market timing and individual security selection are far less important in determining performance.
	Portfolio return is related to risk. Generally, the more risk the greater the return.
	Diversification is essential. Investors are not compensated for the additional risk of concentrated investments.
	Reducing expenses and minimizing taxes increases net return.
	Rebalancing maintains portfolio structure and risk level.
	Asset location is powerful in reducing taxes.
	Alternative investments can increase return while reducing risk.