FAQ - The most important questions and answers

• Initial personal consultation
• Analysis of the client's financial situation
• Creation of a risk profile
• Definition of the investment strategy
• Implementation and ongoing support

We have partnerships with a number of renowned custodian banks in Switzerland, Liechtenstein, and Singapore. Depending on the client's domicile and preferences, we recommend a suitable custodian bank. Thanks to our many years of collaboration, we are able to offer our clients particularly attractive terms and conditions.

• The asset manager receives limited power of attorney from the client to manage the assets at the respective custodian bank.
• The power of attorney is limited to the management of assets. Apart from debiting quarterly fees, the asset manager cannot initiate any payments or asset transfers.
• The client has access to and can view their securities account at any time.

Discretionary asset management means that we manage your money according to a clearly defined investment strategy. The aim is to build up your assets over the long term through structured investment decisions.

With discretionary asset management, we take care of investment decisions and implementation in your portfolio. With investment advice, you receive recommendations but decide on each investment yourself.

The asset manager decides on purchases and sales within the framework of the agreed investment strategy in order to exploit opportunities and manage risks.

No. You retain full ownership at all times. The manager may only act within the scope of the investment strategy.

Yes, you can access your assets at any time. However, please note that sales during unfavorable market phases can affect returns.

Yes. Goals, risk tolerance, and life situations change - asset management flexibly adapts the strategy to these changes.

Your portfolio is continuously reviewed and optimally adjusted to changing market conditions. This is a key advantage over private financial investments.

You will receive regular reports on your investments, performance, and costs. As a rule, the asset manager charges a management fee as a percentage of the average invested assets. Fee models that depend on portfolio performance are also offered.

The risk profile determines the structure of the portfolio. It ensures that the investment decision matches your expectations, your life situation, and your time horizon.

Professional asset managers reduce risks, hedge positions, and exploit opportunities. The aim is to protect and preserve your assets in the long term.

Yes. The assets are always held at the custodian bank and remain your property. The asset manager is only granted power of attorney for investment decisions.

As a rule, asset managers charge a management fee as a percentage of the average invested assets. Fee models with performance-related components (performance fees) are also possible.

• Because strong market phases can be misleading: recent years have been characterized by an extreme concentration on a few stocks, which have driven stock market performance. However, this was the exception rather than the rule.
• Because markets tend toward "mean reversion" in the long term: extreme winners tend to fall back to normal levels at some point - and those who are incorrectly positioned will feel the impact significantly.
• Because discipline is harder than it looks: even good investors lose their cool in stressful situations. Professionals act according to process, not emotion.
• Because stable decisions are needed in turbulent markets: when the market crashes, private investors often sell at the lowest point. Asset managers stick to their strategy and stabilize behavior.
• Because diversification is more than just "buying a few ETFs": a professional portfolio uses different asset classes, regions, and factors—tailored to goals, risk, and time horizon.
• Because low product costs are crucial: professionals systematically choose the most efficient and cost-effective investment instruments. Small differences add up enormously over the years.
• Because long-term investing is a process: strategy, risk management, rebalancing, taxes, costs—implementing everything properly on an ongoing basis is more challenging than it seems.
• Because success does not depend on a lucky streak: good asset management not only delivers when markets are rising, but also steers you consciously through difficult phases.

• Independence: our open architecture allows us to select tailor-made products with attractive terms and conditions for you.
• Central contact: Your advisor will assist you with all matters—from investments to general banking transactions.
• Implementation of customized investment solutions: many banks only offer standardized investment solutions. As an independent asset manager, we create bespoke portfolios and are responsible for the overall strategy and performance.
• Free choice of custodian bank.
• Customized reporting.