THE OPTIMISED SOLUTION FOR YOUR WEALTH MANAGEMENT

Transcription

1 THE OPTIMISED SOLUTION FOR YOUR WEALTH MANAGEMENT Build and monitor your portfolio with ZWEI Wealth Experts

2 ZWEI WEALTH EPERTS There is little we know, but the little is very powerful! Prof. Dr. Klaus W. Wellershoff, Chairman ZWEI Wealth Experts AG

3 ZWEI WEALTH EPERTS YOUR ADVANTAGES There are many misleading promises in wealth management. In order to achieve the optimal investment success, you are well advised to focus on the topics of relevance rather than following rosy predictions. ZWEI Wealth Experts has the overview and data of the majority of providers in the Swiss Private Banking industry. With a wealth management solution developed by ZWEI Wealth Experts, you receive the best possible set up for your requirements completely independent and free of conflict of interests. Such optimised solutions can be implemented with any bank. The certainty to have chosen the best offering in the market To ensure choosing the right wealth management solution, you require in-depth insights and comparisons in terms of returns, risks and costs. An optimised solution from ZWEI Wealth Experts provides you with the certainty to have made the right decisions for your investments. Consequently, you will benefit from an optimum of performance in the future. The solution distinguishes itself through the following characteristics: Best possible implementation with a selection of best-in class managers Lean and optimised cost structures A totally personalised investment solution Coordination and maintenance of your wealth management solution with one point of contact Effective and independent monitoring ensuring performance targets are being met ZWEI You decide, your Wealth Expert ensures the best possible execution ZWEI Wealth Experts have developed a unique set of competencies to put in place optimised wealth management solutions. Those competencies include;; a new liquidity planning approach a selection and evaluation approach based on competence ratings a unique database of more than 200 banks and asset managers including data about real performances achieved and the most efficient fee structures a supervision mechanism allowing to assess performance efficiently Development)and Implementation Maintenance)and Supervision You Your ZWEI) Wealth)Expert 2 1 You 1 Your ZWEI) Wealth)Expert 2 Bank(s) Asset)Manager(s) Your Bank(s) Your Asset) Manager(s) 1:)Strategy development,)investment regulation 2:)Tender,)evaluation and negotiations,)implementation 1:)Reporting)and recommendations for actions where need be 2:)Supervision)and coordination

4 ZWEI WEALTH EPERTS Only independent consulting with an in-depth insight into the various investment offerings allows for an optimised wealth management Patrick Müller, CEO ZWEI Wealth Experts AG

5 ZWEI WEALTH EPERTS THE NEWLY DEVELOPED APPROACH ZWEI Wealth Experts have developed an optimised approach to wealth management. The concept is based on fundamental analyses of successful solutions. In contrast to traditional procedures, the new approach is focussing on the areas that have the biggest net impact for the investor. The listed modules below are indicating the usually observed biggest potentials for improvements. 3.#Efficient#monitoring It#is#essential#to#monitor#the#implementation#adequately# and#keep#an#eye#on#the#crucial#strategic#parameters.# Module#5:#Strategy#monitoring Module#6:#Implementation#monitoring Result An#efficient# monitoring# and# maintenance# system# including# regular#report# and#advice 2.#Precise#implementation Ensuring#that#the#chosen#investment#concept#is# implemented#with#the#selected#bank#or#asset#manager#in# an#orderly#and#efficient#manner.## Module#3:#Manager#and#bank#selection Module#4:#Cost#efficient#implementation Result A#fact#based# selection#of# investments# and#managers# with#a#costj efficient# implementation 1.#Optimised#set#up The#basis#of#a#successful#wealth#management#solution# should#be#as#individualised#as#possible#and#free#of#conflict# of#interest.## Module#1:#Personal#investment#strategy Module#2:#Adequate#use#of#active#management Result A#documented# investment# regulation# including#a# personalised# investment# strategy#per# portfolio

6 ZWEI WEALTH EPERTS The personalised and sophisticated construction of one s wealth management is of key importance but often underestimated Patrick Müller, CEO ZWEI Wealth Experts AG

7 ZWEI WEALTH EPERTS THE TIMELINE OF IMPLEMENTATION PHASE 1 Optimised set up Portfolio Review Investment Regulation PHASE 2 Precise implementation Request for proposals Evaluation and Selection of Managers Implementation PHASE 3 Efficient monitoring Ongoing supervision and reporting Strategy review Market alerts As a first step, there will be a detailed analysis of your current wealth management solutions with respect to performance, risk and costs. This will provide you a first understanding of the optimisation potential. Thereafter, together with you, we specify your requirements towards a wealth management solution. This phase results in a document called investment regulations. It includes the portfolio structure, investment approach and investment strategy per portfolio. This document builds the base and reference point for your future wealth management solution. Based on this, we start the search for the ideal investment instruments together with your bank. Preferably, we also reach out to alternative providers (banks and asset managers) to get additional proposals. The ambition is to obtain and select the best possible solution for your requirements. We collect the various proposals from banks and asset managers and analyse them in detail. As a result, we provide you with the rating and recommendations for the ultimate manager selection. In the course of the selection process, you have the chance to get to know the best performing providers. Thereafter, the best suited solutions and investment instruments are selected and we start with the implementation including final negotiations and ensuring best execution. Once the optimised wealth management solution is in place, we produce a regular monitoring report. This approach ensures that the investments are performing in accordance with expectations while costs and risks are in line with the agreement. If need be, we highlight areas of concern and how to rectify burgeoning issues. On a yearly basis, or following major events, we review the investment strategy. All significant market events are communicated with you, highlighting the specific relevance to your portfolios.

8 ZWEI WEALTH EPERTS SERVICES AND PRICING We are differentiating between the set-up and the ongoing maintenance of a wealth management solution. In both phases, you profit from a clear catalogue of services which might be made use of in a modular approach. Developing and implementing an optimised wealth management solution Services Initial portfolio check Development of a personalised investment strategy and draft of an investment regulation Selection of investment instruments and efficient set up with banks and asset managers (including tender process and negotiations) Ensuring the best implementation and the issuance of a systematic reporting structure Ongoing maintenance and supervision for six months after implementation Ongoing maintenance and supervision Services light basic all times Regular reporting and supervision (performance, risk, costs) annually quarterly monthly Immediate recommendations in case of major market events Annual fundamental analysis of the investment strategy Evaluation and recommendations on all proposals received from your banks Responsibility for direct interaction with banks and asset managers General investment consulting Special projects for your financial matters Events, seminars, publications, benchmark tool Personal information and education sessions for you and your family Pricing (CHF) <1m 1-5m 5-10m 10-50m >50m Set-up 1.00% 0.80% 0.50% 0.30% 0.20% Ongoing support all times 0.65% 0.50% 0.40% 0.30% 0.20% basic 0.25% 0.20% 0.15% 0.10% 0.05% light 0.15% 0.10% 0.10% on request on request

9 ZWEI WEALTH EPERTS ZWEI You decide, your Wealth Expert ensures the best possible execution and supervision

10 ZWEI WEALTH EPERTS Legal Disclaimer This report has been prepared and published by ZWEI Wealth Experts AG. This publication is for your information only and is not intended as an offer, or a solicitation of an offer, to buy or sell any investment or other specific product. The analysis contained herein is based on numerous assumptions. Different assumptions could result in materially different results. Certain services and products are subject to legal restrictions and cannot be offered worldwide on an unrestricted basis. Although all information and opinions expressed in this document were obtained from sources believed to be reliable and in good faith, no representation or warranty, express or implied, is made as to its accuracy or completeness. All information and opinions indicated are subject to change without notice. Some investments may not be readily realisable if the market in certain securities is illiquid;; therefore, valuing such investments and identifying the risks associated therewith may be difficult or even impossible. Trading and owning futures, options, and all other derivatives is very risky and therefore requires an extremely high level of risk tolerance. Past performance of an investment is no guarantee for its future performance. Some investments may be subject to sudden and large falls in value and on realisation you may receive back less than you invested or may be required to pay more. Changes in foreign exchange rates may have an adverse effect on the price, value or income of an investment. We are of necessity unable to take into account the particular investment objectives, financial situation and needs of our individual clients and we recommend that you take financial and/or tax advice as to the implications (including tax liabilities) of investing in any of the products mentioned herein. This document may not be reproduced or circulated without the prior authorisation of ZWEI Wealth Experts AG. ZWEI Wealth Experts AG expressly prohibits the distribution and transfer of this document to third parties for any reason. ZWEI Wealth Experts AG will not be liable for any claims or lawsuits from any third parties arising from the use or distribution of this document. This report is for distribution only under such circumstances as may be permitted by applicable law. Zurich Bahnhofstrasse 12 CH-8001 Zurich info@zwei-we.ch Geneva Rue Jacques Grosselin 8 CH-1227 Carouge-Geneva Basel Rottmannsbodenstrasse 116 CH-4102 Binningen-Basel