In the process of the financial crisis which is not over, the use of low correlation funds with the stock and bond markets are useful in term of regular yield and low risk. The wise investor should consider using these funds, in association with gold, to recover the way of positive yields over the long term.

The recent case of the bankruptcy of the Emirate of Dubai, announced on November 2009, on Thanksgiving Day, when the financial markets were closed in the U.S.A., is an episode of the financial crisis. The Greece financial problems and huge public deficit is another one. Here the impact on the markets has been low, but other threats are hidden and any bad news can turn the indexes in the red again. The wise investor should stay out of the risky products and focus to low correlation products, with a period of investment of more than 5 years for at least 50% of its wealth.

Selection of alternative funds, pdf 75 k

1 - Fund with a 5-year period and a 100% guarantee of capital; rating Aaa (Moody's); EUR5 B. under management; large European management company; average annual return 12.5%; daily liquidity; minimum investment EUR250, 000. 

2 - Fund with a 10-year period and a 100% guarantee of capital; rating AAA (S&P); low correlation with stock and bond markets; large European management company; average annual return 13%; monthly liquidity; minimum investment EUR15, 000.

3 - Alternative fund of funds, rating AAA (S&P); EUR2 B. under management; large European management company; average annual return 9.5%; any negative years since 12 years in all market conditions; monthly liquidity; minimum investment EUR15,000. 

4 - Alternative fund of funds; launched in 1996; large international bank; low correlation with the stock and bond markets; good risk management with a large diversification with capital preservation; several awards since 2008; average annual return 10.5%; daily liquidity; minimum investment EUR10, 000.

5 - Alternative fund; investment in the physical storage of precious metals in a large European bank; this produce a hedging against market ups and downs; average annual yield 9%; minimum investment EUR15, 000.

6 - Art collection fund; investment in Post War art; investment strategy is "Buy and Hold"; average annual yield 7.6%; minimum investment EUR10, 000. An excellent opportunity to invest in no correlated funds and to diversify the assets.

The purchase of these funds provides a good base with low risk in all market conditions associates with steady performance over the medium-long term. The investor receives income increased by capitalization, taking advantage of the regularity of returns, without periods of unpredictable declines that offset the gains. The funds could be bought in a private of Geneva, from an investment of EUR50, 000. From EUR250, 000 of assets, tax optimization is performed with an EU life insurance contract that supports the assets.