Toni Apostoloski joined MSM as an Investment Analyst in 2019. He has over 5 years of investment experience. Prior to joining MSM, Toni worked at Banque Heritage as a Portfolio Manager where he managed a dedicated number of multi-asset investment portfolios and also acted as an Investment Advisor.

Toni holds a Bachelor in Economics and a Master’s degree in Finance (Financial Engineering and Risk Management) from HEC Lausanne. He is fluent in French, English, Macedonian and has good knowledge in Spanish and Italian.

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The pages intended for qualified investors pursuant to Art 10.3 and of the Collective Investment Schemes Act (CISA) also contain information on investment funds and other collective investment schemes that may only be offered to such investors and may not be publicly distributed.

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Legal Disclaimer

Legal Disclaimer
Privacy Statement

No offer, exclusion of liability

None of the information contained herein constitutes an offer to purchase or sell a financial instrument published on MSM Investment Advisors SA. MSM Investment Advisors SA assumes no liability for the accuracy, completeness or uninterrupted availability of said information or for any damages arising from actions taken on the basis of information contained in this or any other of its publications. MSM Investment Advisors SA assumes no liability for any damages arising from viruses or destructive elements of the MSM Investment Advisors SA website.

MSM Investment Advisors SA expressly reserves the right to alter the prices or product composition at any time.

No investment advice

None of the information contained herein constitutes an investment advice or guidance for investment or other decisions. Past performance of investment funds is no guarantee of the future price development of the investment funds in question.

No guarantee of the functionality of alert services and other services

Accordingly, MSM Investment Advisors SA assumes no liability as to the functional capability of the website. This includes the completeness, correctness and reliability of alert services and other services.

No guarantee of data security when using the personalised "Research and News" area

In the use of the personalised “Research and News” area, data is transmitted and exchanged via a public network. The data is transmitted in unencrypted form. This means it can be intercepted and read by third parties. In particular, when personal profiles are saved in the personalised “Research and News” area, there is a risk of access by hackers. In addition, viruses may occur. The user is aware of the risks associated with transmitting personal data. He or she transmits this data voluntarily and bears full responsibility for any misuse by unauthorised third parties.

MSM Investment Advisors SA treats all data transmitted by the user as confidential and will not make it available to third parties. However, it does not guarantee data security and assumes no liability for security-related damages.

References and links

Owners of webpages to which there are hyperlinks on the webpages of MSM Investment Advisors SA are solely responsible for the content of said webpages and the sale of products offered on said webpages. MSM Investment Advisors SA merely allows access to them. Admittance of a provider or owner of webpages to the webpages of MSM Investment Advisors SA does not constitute an endorsement by MSM Investment Advisors AG.

Local and other legal restrictions

There may be restrictions on the sale of products published at MSM Investment Advisors SA in the case of certain countries and individuals. It is the responsibility of each investor to observe the issuer's terms and conditions.

Copyright

The entire content of the MSM Investment Advisors SA website is protected by copyright. Reproduction, transmission (by electronic or any other means), modification, linking or use of the MSM Investment Advisors SA website, in whole or in part, for public or commercial purposes without the prior written consent of the MSM Investment Advisors SA is prohibited.

Privacy Statement of MSM Investment Advisors SA

This Privacy Statement explains how MSM Investment Advisors SA (hereinafter “MSM Investment Advisors”) collects, uses and discloses (hereinafter referred to together as “processes”) personal user data (hereinafter “Personal Data”) of visitors to this website (hereinafter “User”), and the means by which this is done. The Privacy Statement also describes how MSM Investment Advisors safeguards the confidentiality of the Personal Data processed.

The User agrees to MSM Investment Advisors processing Personal Data in accordance with the Privacy Statement. Legal or contractual duties to maintain confidentiality to which MSM Investment Advisors is subject in relation to the User's Personal Data are not affected by this Privacy Statement.

MSM Investment Advisors may amend the Privacy Statement unilaterally at any time. The most recent version is published online by MSM Investment Advisors.

Type of collected Personal Data

MSM Investment Advisors processes Personal Data about the User if the latter visits websites of MSM Investment Advisors , applies for or uses products or services offered by MSM Investment Advisors online; this includes, in particular, registration for the Research & News section, request specific fund information via contact form and subscriptions to online newsletters.

On one side, MSM Investment Advisors processes that specific data ( e.g. name, gender, address, email, telephone and fax), that the User explicitely and actively provides to MSM Investment Advisors . Same occurs if the User takes parts on events of MSM Investment Advisors (online and personal presence). On the other side the webserver of MSM Investment Advisors records automatically specific details about the visit of the User (e.g. IP-address, type of browser and version, used operating system, origin website, requested pages, date, time of usage).

Cookies

The websites of MSM Investment Advisors use cookies, which are saved on the User's computer. These enable MSM Investment Advisors to retrace the User's visit and to save their preferences if they switch pages or revisit the website at a later date.

Cookies particularly serve the following purposes:

save the User's preferred language and country settings
perform a statistical analysis of the number of users and of their usage habits
improve the loading speed of the individual pages

The User can control cookie specifications via their browser settings. The relevant browser options and instructions on use can generally be found in the browser manual or help file. If the User rejects, blocks or deactivates cookies, this may restrict the availability of the services offered via the website. In addition, parts of the website may not work correctly under certain circumstances.

Web analysis

MSM Investment Advisors analyses how its websites are used with the help of third-party analysis tools, such as Google Analytics (hereinafter «Analysis Service Providers»). MSM Investment Advisors assumes no responsibility or liability for any data processed by Analysis Service Providers.

Google Analytics

Google Analytics, a web-based analysis service by Google Inc. (hereinafter “Google”), uses cookies, which are saved on the User's computer. The information generated by the cookie concerning their visit is usually sent to and stored on a Google server in the USA. If MSM Investment Advisors activates IP anonymization for this website, Google shortens the User's IP address within Member States of the European Union or in other partner states of the Agreement on the European Economic Area. Only in exceptional cases will the full IP address be sent to a Google server in the USA and anonymized there. Google evaluates the information that has been saved on behalf of Google for the purpose of compiling reports on the website's usage and in order to provide other associated services for MSM Investment Advisors . Google may combine the IP address transmitted from the User's browser by Google Analytics with other data that has been collected.

Detailed information on this can be found at http://tools.google.com/dlpage/gaoptout?hl=en and http://www.google.com/intl/en/analytics/privacyoverview.html (general information on Google Analytics and data protection).

Usage and protection of Personal Data

By processing Personal Data according to this Privacy Statement, MSM Investment Advisors is able to improve the quality of its products and services.

Personal Data is processed for the following purposes in particular:

technical management as well as research and further development of websites
user administration and marketing
user information on the services and products rendered by MSM Investment Advisors , provided the User has given their consent for this

The User authorizes MSM Investment Advisors to transmit Personal Data to employees, agents or other third parties within or outside the country where the User lives in order to provide services and for the purposes indicated above. Employees, agents and other third parties which have access to Personal Data are required by MSM Investment Advisors to ensure compliance with all applicable data protection provisions. Any person who authorizes MSM Investment Advisors to access their Personal Data as defined in this Privacy Statement will be made aware of the data security and data protection implications.

MSM Investment Advisors protects Personal Data with appropriate physical, electronic and process-related security measures, such as firewalls, personal passwords, encoding and authentication technologies.

MSM Investment Advisors reserves the right to disclose Personal Data to regulatory and supervisory authorities, as well as, pursuant to this Privacy Statement, to Analysis Service Providers. In so doing, MSM Investment Advisors will comply at all times with applicable regulations, laws, court orders or official requests.

Information on processed Personal Data

Persons whose Personal Data is processed within the scope of this Privacy Statement have the following rights:

to receive information on whether MSM Investment Advisors may save Personal Data and what form this Personal Data may take (which categories of data, recipients or categories of recipients, retention periods for Personal Data or criteria governing retention periods)
to receive a copy of the Personal Data
to request the rectification of Personal Data if it is incorrect
to request the deletion of Personal Data
to request restrictions on processing Personal Data
to receive Personal Data in a structured, accessible and machine-readable format
to submit an objection to processing, especially for the purpose of direct advertising

The rights specified above may be denied or restricted if the interests, rights and freedoms of third parties take precedence or if processing is necessary to establish, exercise or defend legal claims of MSM Investment Advisors.

Queries in relation to processing Personal Data are to be directed to the Data Protection Officers of MSM Investment Advisors :

MSM Investment Advisors SA
11 Rue de la Rotisserie
1204 Geneva

E-Mail: info@msmiam.ch

Links

The websites of MSM Investment Advisors may contain hyperlinks to other websites which are not operated or monitored by MSM Investment Advisors. Third-party websites are not subject to this Privacy Statement. MSM Investment Advisors is not responsible for their content or how they handle Personal Data.

Social Media Buttons

Functions (plugins) of third-party providers or social media platforms (Facebook, Twitter, Google+, etc.) are embedded into the websites of MSM Investment Advisors. These plugins enable the User to share content on the social networks mentioned. The interfaces are deactivated by default when the website is accessed. This means that no Personal Data is transmitted to the respective third-party providers without intervention on the part of the User. Once the User has activated the interfaces, data (incl. also Personal Data) is automatically transmitted to the relevant third-party providers by the plug-ins. If the User is simultaneously logged in to the network of the respective third-party provider when they visit the website, the third-party provider can assign the visit to the User's network account. MSM Investment Advisors has no influence on this. The purpose and scope of such a form of data collection and the further processing and usage of Personal Data are outlined in the data protection guidelines of the individual social networks. Users can also obtain information there on rights and settings options in relation to protecting their privacy.

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