Strategies
Explore the structured approaches House & Co uses to protect, organise, and sustain capital across time horizons of five to fifty years.
Most advisory conversations begin with the question of return. Ours begins with the question of risk. We define, in precise terms, what portion of a client's capital is irreplaceable — what we call the 'protected core' — and build a structural envelope around it before any discussion of allocation or yield begins. This approach, rooted in fiduciary obligation rather than sales incentive, means we sometimes advise clients to hold less than the market might reward. We are comfortable with that. A forest-cream backdrop of patience and discipline has consistently outperformed reactive optimism over every fifteen-year window we have examined in central European markets since 2009.
Each strategy is selected, customised, and reviewed according to the client's specific fiduciary profile, time horizon, and jurisdictional requirements.
Using principal-protected notes, structured deposits with Slovak-licensed institutions, and capital guarantee wrappers, we ring-fence the irreplaceable portion of a client's assets. Guarantees are backed by investment-grade counterparties and independently rated annually.
We design multi-layer insurance structures — combining whole-of-life, endowment, and unit-linked policies — that achieve asset segregation, inheritance efficiency under Slovak law, and portability across EU member states. Each layer is documented in a master policy schedule.
For clients with defined future liabilities — school fees, property purchase, business succession — we construct matching portfolios of duration-aligned bonds and structured notes that mature in step with each obligation. Cash flow precision replaces guesswork.
Clients with assets in multiple EU jurisdictions benefit from our cross-border structuring service, which maps tax treaty interactions, selects the optimal holding jurisdiction, and establishes clean beneficial ownership records to prevent double taxation and regulatory ambiguity.
Every structure we create is subject to a mandatory annual review. We check counterparty credit ratings, regulatory changes in relevant jurisdictions, and client circumstance updates — adjusting the architecture where necessary and documenting every change in a signed amendment letter.
When you engage House & Co on a capital protection mandate, you receive four concrete deliverables: a written Fiduciary Charter outlining our obligations and your rights; a Capital Architecture Report mapping your current exposure, proposed structure, and stress-test scenarios; a Master Policy Schedule for any insurance wrappers we recommend; and a Monitoring Calendar setting out review dates, reporting formats, and escalation procedures. These documents are yours. If you ever choose to work with a different adviser, they equip any competent professional to continue your strategy without disruption. That transparency is not accidental — it is the foundation of a fiduciary relationship.
“The liability-driven allocation strategy House & Co built for us in 2021 funded our daughter's university costs in Vienna exactly on schedule in September 2024, without touching the protected core at all. Three years of market turbulence, and the structure never needed an emergency adjustment. That is what rigorous planning looks like.”
Jana K., family client, Banská Bystrica
Each mandate is unique. Tell us about your capital, your timeline, and your concerns — we will respond with a candid assessment within two working days.