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Frequently Asked Questions
Below you will find answers for frequently asked questions.



Who is Salus Alpha direct , Salus Alpha Financial Services (Europe) GmbH, Salus Alpha Capital and the depository bank?

Is Salus Alpha Financial Services (Europe) GmbH liable to any financial market authority?

How are deposits protected?

Does Salus Alpha direct holds at any given time securities and/or money related to clients?

How are complaints handled?

Why is Luxembourg chosen for the depository bank?

Which documents are needed for account opening ?

How can I open a securities account?

Which different types of securities accounts can be opened?

Which types of money transfer are used on the platform and how are they processed?

Which different investments are offered at Salus Alpha direct ?

Can I switch investments from one to another and how long does it take?

How are proceeds handeld from a sell transaction ?

Why Salus Alpha is different compared to other financial companies?

Which functionalities does the Salus Alpha direct platform offer?

What does Robo Advisor mean?

What is the difference between Advisory and non Advisory?

Which fees will be expected during the investments?

How secure is the platform of Salus Alpha direct and which technologies and standards are used?

How can I access the platform of Salus Alpha direct ?

What is direct Academy?










Who is Salus Alpha direct , Salus Alpha Financial Services (Europe) GmbH, Salus Alpha Capital and the depository bank?

Salus Alpha Financial Services (Europe) GmbH is the operator of the Salus Alpha direct platform. Salus Alpha Capital is responsible for Fund Management and Asset Management.

Is Salus Alpha Financial Services (Europe) GmbH liable to any financial market authority?

Salus Alpha Financial Services (Europe) GmbH Ltd is the operator of the Salus Alpha direct platform and is a tied agent of Salus Alpha Capital Ltd who is licensed to provide Investment services to Retail, Professional and institutional Clients by the Financial Market Authority in Liechtenstein (www.fma-li.li). Salus Alpha Capital Ltd. is an associated participant in the investor compensation scheme, which is operated by the Deposit Guarantee and Investor Compensation Foundation PCC (FL-0002.039.614-1) and corresponds with EU law. Further information is available on the Foundation's website under www.eas-liechtenstein.li.

How are deposits protected?

The depository bank is a member of the Deposit Guarantee Association (“Association pour la Garantie des Depots Luxembourg” AGDL) of the banks belonging to the Luxembourg Bankers Association (“Association des Banques et Banquiers Luxembourg” ABBL), hereinafter referred to as the Deposit Guarantee Association. The bank is empowered to provide any necessary information in connection with the tasks laid down in the association’s statutes as well as documents to the Deposit Guarantee Association or to the person acting on its behalf.

Does Salus Alpha direct holds at any given time securities and/or money related to clients?

No, Order routing and/or Asset Management are being offered only. The investor's monies are held by regulated depositary bank. Therefore no securities or cash positions are held by Salus Alpha direct at any given time.

How are complaints handled?

Salus Alpha direct handles and answers any complaints from its clients based on predefined processes. The exact procedures can be found in the Salus Alpha direct Complaint Handling Policies.

Why is Luxembourg chosen for the depository bank?

We have chosen Luxembourg, because it is an internationally recognized financial centre for fund and investments, strategically located in Europe and, besides favorable tax treaty agreements with 57 countries, also execute any finance transactions very fast.

Which documents are needed for account opening ?

You need a copy of your valid Passport/ID card and certificate of residence or utility bill (gas, water, electricity) not older than 6 month available.
For companies, copies of all legal documents and signatories are necessary as well. During the account opening process, a scan of these documents need to be uploaded.

How can I open a securities account?

The account opening process follows several steps and processes, whereas depending on financial skills, experience and risk tolerance, the matching product and the investment amount is determined as well. The investment of the chosen product is done automatically, as soon as the account is funded accordingly. The account is funded by a wire transfer from your bank reference account.

Which different types of securities accounts can be opened?

Single deposit accounts, Joint deposit accounts, Company deposit accounts and Junior deposit accounts (for children below 18 years).

Which types of money transfer are used on the platform and how are they processed?

Salus Alpha direct offers following types of transfers:
By wire transfer from your bank reference account.

Which different investments are offered at Salus Alpha direct ?

Besides investing as single investment, you may choose from following investment variations:
  • Asset Management – starting already with € 25.000, we offer Asset Management portfolios with attractive conditions
  • Pension Plans – find out with our pension gap calculator, how much is needed to be saved today to close the pension gap when retired.
  • Saving Plans – you may buy the products by using a savings plan as well.

Can I switch investments from one to another and how long does it take?

Yes, in a switch, existing units will be sold and with the proceeds of the sell, units of another product will be bought. Depending on the products, the process will take between 4 to 6 bank working days.

How are proceeds handeld from a sell transaction ?

The proceeds from a sell transaction will always be wired to the bank account, which was declared in the account opening process (except the bank account has been changed thru the account holder(s) meanwhile).

Why Salus Alpha is different compared to other financial companies?

Although Salus Alpha is the pioneering firm in UCITS compliant Alternative Investments, it offers also exceptional financial solutions such as managed strategies or risk parity products. Innovation, market knowledge and protection of clients as well as outstanding performance are key to Salus Alpha's success.

Which functionalities does the Salus Alpha direct platform offer?

Some major features are:
  • Manage all your accounts, trading and live portfolios
  • Automated monitoring alerts and emailed statements.
  • Structured overview of all relevant transactions, documents and confirmations
  • Current and historic performance values of accounts

What does Robo Advisor mean?

Based on a questionnaire, we will determine your personal investment characteristic, your investment targets and thereafter your investment profile. Depending on the investment type and based on the results of the questionnaire, an individual portfolio will be proposed. In case you have already experience in investments, you can alter your portfolio anytime.

What is the difference between Advisory and non Advisory?

Advisory – based on the questionnaire and the result of the investor profile, the selected individual portfolio will be tested against your current financial skills and experience. If your financial skills and experience will not match the risk profile of the selected portfolio, you can select a portfolio/products, which matches your skills. If you still want to buy the products, you can continue with non advisory
Non-advisory – there will be no further test and checks against your financial skills and experience, that option is for clients, who have already the required financial experience and knowledge.

Which fees will be expected during the investments?

Investments are based on one or a combination of several funds. For fees, please refer to the latest fund documentation.

How secure is the platform of Salus Alpha direct and which technologies and standards are used?

The major security features are as follows –
  • Inactivity Logout: Our system automatically logs you off after an extended period of inactivity, reducing the risk that others could access your information.
  • Secure Firewalls: All of our systems are protected by secure firewalls to prevent any unauthorized access.
  • Systems Monitoring: We monitor our systems to ensure that you have timely, secure access to your account and to quickly identify any unusual activity.
  • Restricted Access: We restrict access to systems containing customer data, monitoring system access continuously. And in the event of data loss, your information is backed up to a secure off-site facility.
  • Encryption Technology: We offer both web-based (128-bit, HTTPS) and PC-based (Local SSL Secure) encryption technologies to help maximize your protection from online fraud.

How can I access the platform of Salus Alpha direct ?

When you register with Salus Alpha direct , we will send you an e-mail confirming the details including your account login details. Using those details you will then be able to access the Salus Alpha direct platform from anywhere.

What is direct Academy?

The direct academy prepares you on different concepts and principles related to financial instruments. After having the necessary knowledge and skills, you would be comfortable in performing investment transactions and understand
 
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