In an environment where markets alternate between sudden surges and periods of volatility, investors are seeking more than ever strategies that are clear, robust, and aligned with their life goals. It is within this context that Geoffrey Diem, wealth management advisor and founder of Diem Conseil & Patrimoine, has developed his vision.
With expertise spanning asset allocation, retirement planning, real estate, and both listed and unlisted financial solutions, he advocates for a tailored, educational, and transparent approach. His credo: transforming market complexity into clear, consistent decisions that are truly tailored to the executives, managers, and families he advises.
Here, he shares his strong convictions and the keys to a wealth management strategy that is secure, adaptable, and high-performing.
In a volatile market, how do you adjust your asset allocations to protect and grow your clients’ wealth?
Volatility is not an enemy in itself, provided you are prepared. I begin by reassessing each client’s investment horizon, risk capacity, and emotional tolerance. Next, I strengthen resilience: true diversification, issuer quality, and gradual management rather than abrupt moves. Finally, for long-term horizons, I use volatility as an opportunity to reinforce certain convictions or utilize structured products that help manage risk while seeking returns.
Which asset classes best reflect your core convictions today (real estate, private equity, bonds, structured products, etc.)?
The return of higher bond yields is restoring the appeal of high-quality government and corporate bonds as a foundation for stability and income. I also remain convinced of the value of shares in solid companies exposed to structural trends (energy transition, digitalization, healthcare). In real estate, I favor growth-oriented segments (housing in tight markets, healthcare, logistics) through diversified vehicles. Finally, for clients with the right profile, private equity and certain structured products are good sources of performance and diversification.
Is it still possible to balance security, liquidity, and performance within a single wealth management strategy?
They can be reconciled at the level of the overall strategy, but rarely to the fullest extent within a single product. There is always a trade-off to be made. I therefore organize portfolios into three components: a highly liquid and secure segment (cash, money market instruments, high-quality bonds), a core portfolio focused on long-term performance (stocks, corporate bonds, diversified solutions), and, when appropriate, a less liquid but potentially higher-yielding segment (real estate, private equity). It is the balance between these three components that enables us to meet the client’s objectives.
