Do you need professional wealth management solutions?
Not sure if wealth management is right for you? This 8 point checklist will help you understand if this service can help you:
Are you a 30+ professional?
Are you saving on a regular basis?
Are you having trouble understanding the tax regime in your canton and how to navigate it?
Are you unsure what kind of pension plan best fits your needs?
Are you unsure whether your current health insurance is the best choice for you and your family?
Do you want to protect yourself and your loved ones even in a situation requiring advanced care planning, but you’re not sure how to set it all up?
Do you want to invest your savings, but you don’t know which investment opportunities have the highest yield, while also being right for your needs and lifestyle?
Do you need help with a retirement plan that will assure that you can maintain the lifestyle you want?
If you answered NO to all eight of the questions above, congratulations! You are already a financial wizard and most likely have no need for a professional wealth management provider.
However, if you answered YES to at least two of the questions above, wealth management is something you could really benefit from. The differences in tax law and pension funds can vary widely between different parts of Switzerland. For instance, maximum marginal tax rates range between 20% and 45%, and wealth taxes also differ, ranging from 0.15% to 1%. On the other hand, investment opportunities are virtually endless.
Luckily, you don’t have to deal with all these details on your own. Wealth management solution providers like Vontobel exist to make your life easier and give you more options for earning financial returns.
Read on to find out how you can benefit from Vontobel’s wealth management services, or click the button below to schedule a free, no-obligations initial consultation with one of their experts.Talk to a wealth management expert
How wealth management can help you make the most of your wealth
You could always try and navigate the Swiss system on your own. But doing this might cost you a lot more in the long run. One incorrectly checked box might mean you’ll end up paying significantly more than you should in income or wealth taxes, bank commissions, or property taxes.
Working with wealth management professionals is not only stress-free but can also be more profitable:
Financial planning – always tailor-made for your needs
By clarifying your pension situation early and undertaking some long-term planning for retirement, you can prepare for this part of your life in a targeted way. Vontobel’s approach to financial planning focuses first and foremost on your personal needs, life goals, and expectations, with Vontobel's seasoned experts analyzing your current financial situation and then presenting you with future scenarios. This not only gives you a comprehensive overview of your assets and how they are performing – which allows you to identify opportunities for optimizing them – but also with a sound basis for making important decisions about how you want your wealth to be structured and managed in the future.
Pension solutions – the retirement you want, always on your own terms
Vontobel offers modern pension solutions in the area of executive pension plans, vested benefits, and Switzerland’s so-called “Pillar 3a”, all of which combine the tax advantages of the various pension fund vessels with professional investment management. You can benefit from the opportunity to participate in the market performance of innovative investments, and at the same time take advantage of the tax privileges of the 2nd and 3rd pillars.
Tax advisory – 100% customized to your situation
For private individuals, Vontobel offers holistic advisory consultations to examine how Swiss tax law could affect you in the areas of income tax, wealth tax, gift tax, inheritance tax, and real estate gains tax. Why pay more than you should when you could invest the difference?
Managed solutions – care-free turnkey wealth management
Vontobel knows how valuable your time and assets are. With a discretionary mandate, you delegate the management of your assets to Vontobel, ensuring that they always consider your wishes and goals. Regardless of which type of mandate you choose, you benefit from Vontobel's disciplined portfolio management and the comprehensive transparency that is an important element of their proven investment process.
An additional option to consider is to get all these benefits delivered to you through their highly innovative app, Volt.
Vontobel Volt is mobile only digital investment app charged with Vontobel's 90+ years of investment experience. It's actively managed by Vontobel portfolio managers (300 experts in one app), it allows Pillar 3a and investment as well as systematic risk monitoring.
Advisory services – the right approach for hands-on wealth management
Want to decide for yourself how much you want to invest, and when and where to carry out the transaction? Not only is this approach a possibility at Vontobel, but one that still allows you to benefit from the knowledge and expertise of Vontobel's world-class analysts and investment specialists. With this option, Vontobel actively supports you in investing your assets, basing their advice on a jointly defined investment strategy. You receive individual investment ideas from Vontobel, selected especially because they match your portfolio and goals, and tailored further. But the decision to invest or not to, as well as the overall composition of your portfolio, always remains in your hands.
Your benefits when you choose Vontobel
When you choose your wealth management partner, make sure it’s a company you can depend on no matter how tax laws change or how the market fluctuates. Solidity and consistent performance over the long term are important factors to consider. Vontobel, for example, has an exceptionally strong capital base and was in the black even during the financial crises of 2002 and 2008. Since Vontobel became a listed company in 1986, they have never missed paying an annual dividend to their shareholders. Stability like this is key when you decide who should handle your wealth.
So is trust. And trust is earned. So aside from world-class, tailor-made services, when you work with Vontobel, you also benefit from:
Worldwide investment expertise: Vontobel's network of private clients, institutional investors, and financial market intermediaries, both in the domestic Swiss market and key international markets, is very broad and very deep. Aided by the insights gained from these experienced partners, Vontobel has developed world-class services and products for their clients. The CHF 274.5 billion assets under management and the many awards and recognitions received (including first place for Top Service in the Swiss Derivative Awards), are concrete demonstrations of the trust Vontobel's clients place in their expertise.
Independence: Vontobel has been an independent business for almost a century, without any institutions or investors looking over their shoulder and putting pressure to invest in any particular way. Their only loyalty is to their clients – which could include you!
Alignment with your values: As a bank that has been family-owned for four generations, Vontobel understands your need to protect your assets, but more importantly – to protect your loved ones.
The country’s largest buy-side research team for Swiss equities: Their 11 analysts have more than 200 years of combined experience in their field – and all of it is at your disposal.
Successful in-house asset management: This expertise underpins Vontobel's ability to provide you with investment solutions that are otherwise available only to large corporate clients, like pension funds.
Continuity: Even if you decide to leave Switzerland, your financial wellbeing can remain in the hands of Vontobel. Your banking relationship with them can extend across the globe.
Pioneering know-how in sustainable investment. Vontobel is committed to sustainability, demonstrating their engagement in many ways, such as CO2 neutrality, support for vital social projects and partners like the International Committee of the Red Cross, and even in their family ownership itself.
Portfolio-building around your personal convictions and values: Vontobel also offers you the opportunity to construct your investment portfolio in a way that reflects your personal beliefs and values. With such an individual mandate, you decide to what degree you wish to prioritize ethical considerations in relation to return potential.
Active asset management: Vontobel investment experts and analysts, as well as the many proprietary systems and processes they have developed, continuously seek better investment opportunities and new ways to improve your portfolio.
Ready to take your wealth to the next level? Then the time to act is now – every day you wait could cost you hundreds of Swiss Francs.Schedule your free analysis now
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