BhFS Behavioural Finance Solutions is a spin-off company of the Universities of St. Gallen and Zurich. BhFS applies academic research to the development of practical and innovative solutions for banks, financial advisers, asset managers and insurance companies. We help our clients to implement behavioural finance when they consult individuals and institutions. We use a behavioural finance understanding of investors’ risk perception and decision-making mistakes to increase investors’ confidence in the proposed investment solutions. Scientifically founded for real-world decision-making.