CMK Finance – Independent & Exclusive
The performance of a family office accessible from 100k euros.
Our mission is to make available exclusive high performing products with returns (IRR) higher than 12% p.a.
We are independent: we do not collect back-room commissions. We have a fixed transparent fee for our services.
We focus on performance and Main Street.
We model risk coverage and create portfolio with effective performance, not just fees.
Whether you have a business and aim to make its excess cash work, a family and want to build the best future for them, or looking to build up an additional retirement income, our portfolios can answer your needs.
Testimonials from our customers
With the lower return from 10 year bond from France, Germany or US in a period of high inflation (and even before that), I started to revise my investment strategy to consider more alternatives & stronger returns.
Mael Krejci extended to me relevant custom advice and very open to exposure in Asia & emerging markets, which enable to beat inflation. Beyond the return, tax solutions were also offered. It’s very enjoyable to exchange with a wealth adviser that is very much ahead of the structural change of this job and the understanding of the new economic landscape.
After 6 years with a well-known wealth adviser firm and a net loss of 3% caused by excessive management fees, Mael helped me understand how to do some reallocations and I have already recovered from my losses.
His advice is technical, yet understandable without the usual financial jargon and he is providing effective performance.
The discovery of private credit was really nice. I would have liked that my banker would have suggested it to me before.
I really enjoyed his way of working. Excellent reporting. Very transparent. Keep at it.
Mael was a good listener and knew how to bring very relevant advice, even if he wasn’t profiting from it. Thank you!
Reducing fees with a transparent low flat fee
0.3% on invested assets
We give access to exclusive high performing financial products without the usual distribution fee structure :
- No entry fee (paid out to distributors) : 1% to 5% now down to 0%
- Reduction in management fees paid out as commission to distributors (0,5% to 1,5% drop)
For all those products, our transparent low fee of 0,3% is lower than the cost for direct subscription or using not independent wealth advisor.
In any case, you can always subscribe to any recommended financial products by your own.
Reducing your fees from 1,5% to 0,3% per annum represents an annual performance gain of 1,2% per annum. Over 10 years, this means +12,67% in your net worth !
We have decided to act as an independent advisor so that we can access the best products and offer optimal performance, without restrictions or conflicts of interest.
Your objectives are our objectives, and defending your interests our mission.
Mael et Camille, CMK cofounders
The pillars of our performance
Equity Funds
ETF :
>12% annualized
distribution 4% p.a. (option)
Funds :
13% to 25% annualized
Bonds
Short-term (Corporate):
Fixed rate 12% p.a.
Short-term (Real Estate):
10% to 13% p.a.
Private Equity
Corporate:
Target IRR 15% to 25% p.a.
Real Estate:
Target IRR 12% to 20% p.a.
2024
Portfolios of our clients
Additional monthly pension & capital preservation
Composed of :
20% Money market funds
70% Bonds (Corporate & Real Estate)
10% Private Equity
Performance:
Income: 8.17% /year of total capital
Capital growth: +3.02% /year
Capital growth & protection against volatility
Composed of :
30% Bonds (Corporate & Real Estate)
30% Equity funds (ETFs & Funds)
40% Private Equity
Performance:
Capital growth: +15.3% p.a.
Growing capital & retaining fast liquidity
Composed of :
10% Money market funds
60% Bonds (Corporate)
30% Equity funds (ETFs & Funds)
Performance:
Capital growth: +12.25% p.a.
80% liquid (max 3 months)