Strategies
Our capital protection strategies combine regulatory-grade instruments with long-term discipline to safeguard what you have built.
Capital protection is not a single product — it is a tailored programme that evolves as your circumstances, tax obligations, and family structure change. At House Ltd, we begin every engagement with a structured discovery process: mapping your current asset exposure, identifying the risks most material to your situation, and modelling outcomes across multiple economic scenarios. From that foundation, we build a strategy that may incorporate insurance-linked vehicles, diversified fixed-income allocations, property-backed instruments, and cross-border custody arrangements. Each component is selected for its role in the overall structure, not for standalone yield performance. The midnight-coral tones of our visual identity reflect the warmth of a client-first practice set against the depth of rigorous financial analysis — a balance we carry into every mandate.
Six distinct service lines, each addressing a specific dimension of capital risk over the long term.
Using segregated account structures and EU-recognised holding arrangements, we isolate productive assets from potential liabilities arising from business risk, litigation, or spousal claims. Structures are reviewed annually to reflect changes in Slovak commercial law and EU directives.
For clients with assets across multiple EU jurisdictions, we coordinate custody arrangements that maintain legal clarity and regulatory compliance under UCITS and AIFMD frameworks. We work with regulated custodians in Austria, Luxembourg, and the Czech Republic on behalf of Slovak residents.
Unit-linked and whole-of-life insurance policies structured as asset wrappers under Slovak law offer meaningful estate planning and tax deferral advantages. We advise on policy selection, beneficiary structuring, and periodic rebalancing to keep the wrapper aligned with your long-term objectives.
Sovereign and investment-grade corporate bonds remain the backbone of capital preservation strategies. We build laddered bond portfolios calibrated to your liquidity timeline, with currency hedging where EUR exposure requires managing against non-EU counterparty risk.
Slovak and CEE real estate debt instruments provide inflation-linked income without direct property management obligations. We assess underlying collateral quality, loan-to-value ratios, and developer track records to ensure the risk profile remains consistent with a capital protection mandate.
Financial structures erode without maintenance. Every House Ltd client receives a comprehensive annual review covering regulatory changes, tax position, beneficiary updates, and portfolio drift — delivered in a single two-hour session in our Košice office or via encrypted video conference.
I came to House Ltd after a cross-border divorce left my asset structure in a genuinely complicated state. Within six months they had restructured the custody arrangements and established an insurance wrapper that my Slovak tax advisor confirmed was both compliant and efficient. Three years on and the structure has not needed emergency revision once — which is exactly what I wanted.
Ondrej Krajčí, Košice
Many clients arrive at House Ltd having experienced financial advisors who treat regulatory requirements as obstacles to performance. We take the opposite view: the EU's fiduciary and disclosure framework — MiFID II, Solvency II, UCITS — exists precisely to protect clients, and a well-designed capital protection strategy should be entirely comfortable within it. Our advisors are registered with the Národná banka Slovenska and hold relevant European professional certifications. When we recommend a structure, you receive a written explanation of how it meets your objectives, how it is regulated, and what the exit mechanics are. Complexity that cannot be explained plainly is complexity we will not propose.
Our advisory mandates are structured for clients with investable assets of €150,000 or more. Below that threshold, the complexity and cost of tailored structures typically outweigh the benefits, and we will say so plainly rather than recommend a solution that does not genuinely serve you.
No. House Ltd is an advisory and structuring firm, not a discretionary asset manager. We design structures, recommend regulated instruments, and coordinate with custodians and insurers — but the assets remain under your direct ownership or within regulated custodial arrangements you control.
We charge fixed advisory fees for initial structuring engagements and annual retainer fees for ongoing strategy review and compliance monitoring. We accept no commissions, referral fees, or product incentives from any third-party provider — a policy that is stated explicitly in every client agreement.
Yes, within the EU. We regularly advise Slovak nationals resident in Austria, Germany, and the Czech Republic, and EU nationals with assets held in Slovakia. We do not currently serve clients domiciled outside the EU, as the regulatory complexity falls outside our core competence.
Life events — divorce, inheritance, business sale, relocation — can materially alter the risk profile and suitability of an existing structure. Every House Ltd client agreement includes a provision for an unscheduled interim review at no additional fee in the event of a material change in circumstances.