Experts
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Published: 13/05/2025

Core-Satellite Strategy – Build a Balanced, Modern Portfolio

Experienced investors know: stability and growth don’t have to be mutually exclusive. The core-satellite strategy combines both – a reliable foundation with targeted, high-potential investments.

What is the Core-Satellite Strategy? 

The portfolio is divided into: 

  • Core: Broad-based, low-cost, long-term investments (usually ETFs or index funds). 

  • Satellites: Smaller, targeted bets on specific themes, sectors, or asset classes – higher risk, but higher potential. 

Typical allocation: 70–80% core, 20–30% satellites. 

Key Benefits: 

  • Balance: Capture broad market growth while exploring niche opportunities. 

  • Cost-effective: ETFs keep your portfolio lean on fees. 

  • Flexible: Use satellites to test new ideas or ride trends. 

  • Risk-managed: Clear structure keeps portfolio volatility in check. 

How to Apply the Strategy – Digitally and Easily 

Core: ETFs with Findependent

Findependent helps you build a fully diversified ETF portfolio that matches your risk level – digital, transparent, and affordable.

Allocation: 70–80% 
Goal: Long-term capital growth 

Satellites: Targeted Growth Investments 

LEND: Direct Lending 

LEND offers you access to the Swiss credit market and thus investment opportunities in three types of loans: 

  • Loans to individuals 

  • Corporate loans 

  • Mortgage-backed loans 

You act like a bank and earn attractive, predictable interest – especially valuable in times of rising inflation. Crowdlending is one of the typical fixed-income assets that provide a constant return.

Conda: Startup Investing

Conda allows you to invest in early-stage companies with growth potential. Higher risk, but big upside.

Splint Invest: Alternative Assets 

Splint Invest opens the door to exclusive assets – art, classic cars, wine, sneakers, rare Pokémon cards – all starting from just €50. 

Typical allocation per satellite: 5–10% 
Goal: Innovation, diversification, return potential

Structure creates stability – satellites offer opportunity. With a strong core (e.g. Findependent) and smart satellites (e.g. LEND, Conda, Splint Invest), your portfolio can be both robust and exciting. 

See for yourself

Create an account and invest in alternative assets - all in less than 2 minutes. Everything else is just as simple.

Aurelio Image CEO

Aurelio

CEO & Co-Founder