Services / Wealth Management
Wealth Management
Long-term stewardship of private capital. A discretionary mandate means I take day-to-day investment decisions on your behalf, inside a framework we define together and revisit as your life changes.
How I work
Every relationship starts with a conversation rather than a product. Before any capital is invested we go through what the money is for, when it may be needed, what would keep you awake at night, and what has or has not worked in your past experience with banks. That discussion becomes a written investment policy: objectives, reference currency, liquidity needs, permitted instruments and the risk band the portfolio should stay within.
I invest from the bottom up and from fundamentals. Positions are taken in businesses and issuers I can explain in plain language — balance sheet, cash generation, valuation, and the reason the market is offering the price it is offering. I avoid structured complexity, leverage and products whose costs are hidden in the payoff.
Turnover is deliberately low. A portfolio built for a decade should not be rebuilt every quarter; I act when the case changes, when valuation demands it, or when your circumstances do — not because a calendar says so.
You stay informed without having to chase me. You receive clear reporting on performance, positioning and costs, and you have direct access to the person actually managing the portfolio — not a relationship layer between you and the decisions.
Mandate design
The investment policy sets the boundaries: strategic allocation across equities, fixed income and cash, currency exposure, concentration limits per position and per sector, and any exclusions you wish to apply. It is a document you can read in five minutes and hold me to.
Portfolio construction
Direct holdings wherever they give better transparency and lower cost than a fund; selected funds or ETFs where breadth or access genuinely requires them. Fixed income is generally held to maturity with a known yield, giving the portfolio a predictable core around which equity risk can be sized honestly.
Risk and monitoring
Risk is managed at the level of the whole balance sheet, not the single line item: overlap between positions, currency mismatch against your spending currency, liquidity in stressed conditions, and drawdown tolerance measured against what you told me you could accept in practice.
Reporting and review
Periodic reporting covering performance net of fees, contribution by position, income received and any changes made with the reasoning behind them, plus a formal annual review of the policy itself — because the right portfolio follows the life, not the other way round.
Who it suits
- Private clients and families who prefer to delegate day-to-day decisions but want to understand exactly what is held and why.
- Entrepreneurs and executives whose time is scarce and whose wealth is concentrated in a single company or currency.
- Expatriates and non-residents looking for a stable, transparent home for capital in Switzerland.
Discuss a mandate