{"id":12606,"date":"2025-03-11T12:21:00","date_gmt":"2025-03-11T11:21:00","guid":{"rendered":"https:\/\/vapa.ch\/?p=12606"},"modified":"2025-04-30T08:32:08","modified_gmt":"2025-04-30T06:32:08","slug":"investment-access-private-banking","status":"publish","type":"post","link":"https:\/\/vapa.ch\/de\/investment-access-private-banking\/","title":{"rendered":"Zugang zu Investitionen: Eine faire Chance? \ud83d\udcbc"},"content":{"rendered":"<p>Viele kleinere Anleger, ob jung oder weniger wohlhabend, sehen sich mit einem versteckten <a href=\"https:\/\/vapa.ch\/de\/vierteljahresruckblick-q1-2025-global-market-pulse\/\">Herausforderung<\/a>: Regeln f\u00fcr die Eignung von Anlagen. Diese <a href=\"https:\/\/vapa.ch\/de\/regulierung-schweiz-vermogensverwaltung\/\">Vorschriften <\/a>sollen uns sch\u00fctzen, versperren aber oft den Zugang zu Investitionsm\u00f6glichkeiten, die langfristig h\u00f6here Ertr\u00e4ge bringen. Die <a href=\"https:\/\/vapa.ch\/de\/tag\/regulatorischer-rahmen\/\">regulatorischer Rahmen<\/a> geht sogar noch weiter, versch\u00e4rft diese Grenzen und schr\u00e4nkt den Zugang noch mehr ein.<br><br>\ud83d\udcbc Die aktuelle Situation<br>Wenn Sie am Anfang stehen oder ein kleineres Portfolio haben, sind Ihre M\u00f6glichkeiten auf \"sichere\" und konservative Anlagen beschr\u00e4nkt. Wohlhabendere Anleger hingegen haben Zugang zu hochentwickelten Produkten wie <a href=\"https:\/\/vapa.ch\/de\/swiss-independent-wealth-management-blog\/aktien-anleihen-kryptowahrungen-hedgefonds-commodities-vermogensverwaltung\/\">Private Equity, Hedge-Fonds oder alternative Anlagen<\/a>. Diese Produkte bieten <a href=\"https:\/\/vapa.ch\/de\/anlageperformance\/\">h\u00f6here Ertr\u00e4ge<\/a> und eine bessere Diversifizierung im Laufe der Zeit.<br><br>\ud83c\udf31 Eine verpasste Gelegenheit<br>Der Schl\u00fcsselfaktor ist hier die Zeit. Mit einem langen Anlagehorizont k\u00f6nnen Kleinanleger die H\u00f6hen und Tiefen der M\u00e4rkte durchstehen und dennoch Wachstum verzeichnen. Die Eignungsregeln ber\u00fccksichtigen dies jedoch selten. Stattdessen wird dem aktuellen Verm\u00f6gen oder der Erfahrung Vorrang einger\u00e4umt, so dass kleineren Anlegern nur Optionen mit niedrigeren Renditen bleiben.<br><br>\ud83d\udcca Die Langzeitwirkung<br>Im Laufe der Jahrzehnte ist dadurch eine immer gr\u00f6\u00dfere L\u00fccke entstanden. <a href=\"https:\/\/vapa.ch\/de\/wie-man-10-millionen-sicher-investiert\/\">Wohlhabendere Investoren<\/a> ihren breiteren Zugang nutzen, um schneller Kapital aufzubauen, w\u00e4hrend kleinere Anleger weiter zur\u00fcckfallen. <a href=\"https:\/\/vapa.ch\/de\/blick-uber-europa-hinaus\/\">Der rechtliche Rahmen<\/a> verst\u00e4rkt diese Kluft, indem sie den Zugang weiter einschr\u00e4nkt und es f\u00fcr kleinere Portfolios schwieriger macht, im Wettbewerb zu bestehen.<br><br>\ud83d\ude80 Warum Ver\u00e4nderung wichtig ist<br>Jeder hat die Chance verdient, sein Verm\u00f6gen zu vermehren. Mit der richtigen Ausbildung und einem Fokus auf Zeithorizonte k\u00f6nnten kleinere Investoren sicher Zugang zu fortschrittlicheren Optionen erhalten. Die potenziellen Gewinne f\u00fcr den Einzelnen und die Wirtschaft sind betr\u00e4chtlich.<br><br>\ud83d\udca1 Eine Frage zum Nachdenken<br>Sollte der Anlagehorizont bei der Entscheidung \u00fcber den Produktzugang nicht mehr Gewicht haben als Verm\u00f6gen oder Erfahrung? Schlie\u00dflich ist Zeit ein m\u00e4chtiger Gleichmacher. Wir sollten das System \u00fcberdenken, um gerechtere Chancen f\u00fcr alle zu schaffen.<br><br>\ud83d\udc49 Was denken Sie?<br>Wie k\u00f6nnen wir Zugang und Risiko f\u00fcr kleinere Anleger in Einklang bringen? Sollten Zeithorizonte in den Eignungsregeln eine gr\u00f6\u00dfere Rolle spielen? Lassen Sie uns diskutieren und Ideen austauschen.<\/p>\n\n\n\n<p>Quelle: <a href=\"https:\/\/www.linkedin.com\/posts\/patrick-stauber-marcuard-heritage_investmentsuitability-wealthgrowth-financialfairness-activity-7305112798072573953-WFwO?utm_source=share&amp;utm_medium=member_desktop&amp;rcm=ACoAAAUooHgBeTEXpRpRNA0E7VJJlaW_t2ANZhk\" target=\"_blank\" rel=\"noreferrer noopener\">LinkedIn<\/a><\/p>\n<div style=\"display:flex; gap:10px;justify-content:\" class=\"wps-pgfw-pdf-generate-icon__wrapper-frontend\">\n\t\t<a  href=\"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/posts\/12606?action=genpdf&amp;id=12606\" class=\"pgfw-single-pdf-download-button\" target=\"_blank\"><img src=\"https:\/\/vapa.ch\/wp-content\/uploads\/2024\/11\/pdf-svgrepo-com.svg\" title=\"PDF generieren\" style=\"width:auto; height:45px;\"><\/a>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Viele Kleinanleger, ob jung oder weniger wohlhabend, sehen sich mit einer versteckten Herausforderung konfrontiert: den Vorschriften zur Eignung von Anlagen. Diese Vorschriften sollen uns sch\u00fctzen, versperren aber oft den Zugang zu Anlagem\u00f6glichkeiten, die langfristig h\u00f6here Renditen bringen. Der Rechtsrahmen geht noch weiter, versch\u00e4rft diese Grenzen und schr\u00e4nkt den Zugang noch mehr ein. \ud83d\udcbc Die derzeitige SituationWenn Sie am Anfang stehen oder ein kleineres Portfolio haben, sind Ihre M\u00f6glichkeiten auf \u201csichere\u201d und konservative Anlagen beschr\u00e4nkt. Wohlhabendere Anleger hingegen haben Zugang zu hochentwickelten Produkten wie Private Equity, Hedgefonds oder alternativen Anlagen. Diese Produkte bieten im Laufe der Zeit h\u00f6here Renditen und eine bessere Diversifizierung. \ud83c\udf31 Eine verpasste GelegenheitDer Schl\u00fcsselfaktor ist hier die Zeit. Mit einem langen Anlagehorizont k\u00f6nnen Kleinanleger die H\u00f6hen und Tiefen der M\u00e4rkte durchstehen und dennoch Wachstum erzielen. In den Eignungsregeln wird dies jedoch selten ber\u00fccksichtigt. Stattdessen wird dem aktuellen Verm\u00f6gen oder der Erfahrung Vorrang einger\u00e4umt, so dass kleineren Anlegern nur Optionen mit niedrigeren Renditen bleiben. \ud83d\udcca Der langfristige Effekt\u00dcber die Jahrzehnte hinweg hat dies zu einer wachsenden Kluft gef\u00fchrt. Wohlhabendere Anleger nutzen ihren breiteren Zugang, um schneller Kapital aufzubauen, w\u00e4hrend kleinere Anleger weiter zur\u00fcckbleiben. Der Rechtsrahmen verst\u00e4rkt diese Kluft noch, indem er den Zugang weiter einschr\u00e4nkt und es kleineren Portfolios erschwert, sich im Wettbewerb zu behaupten. \ud83d\ude80 Warum Ver\u00e4nderungen wichtig sindJeder hat die Chance verdient, sein Verm\u00f6gen zu vermehren. Mit der richtigen Ausbildung ...<\/p>","protected":false},"author":1,"featured_media":12607,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_122096905244470929_329580246915571":"","twitter_1821932287224696832_1821932287224696832":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_uag_custom_page_level_css":"","footnotes":""},"categories":[93],"tags":[277,36,157,231,198,66,123],"class_list":["post-12606","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-regulations","tag-2025-blog-wealth-management","tag-banks","tag-challenges","tag-financial-services","tag-investment","tag-investment-performance","tag-regulatory-framework"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Investment Access | independent wealth management<\/title>\n<meta name=\"description\" content=\"Investment access is limited for smaller investors. 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Lassen Sie uns \u00fcber gerechtere Investitionen diskutieren!","breadcrumb":{"@id":"https:\/\/vapa.ch\/investment-access-private-banking\/#breadcrumb"},"inLanguage":"de-CH","potentialAction":[{"@type":"ReadAction","target":["https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/posts\/12606\/"]}]},{"@type":"ImageObject","inLanguage":"de-CH","@id":"https:\/\/vapa.ch\/investment-access-private-banking\/#primaryimage","url":"https:\/\/vapa.ch\/wp-content\/uploads\/2025\/03\/Investment-Access.jpg","contentUrl":"https:\/\/vapa.ch\/wp-content\/uploads\/2025\/03\/Investment-Access.jpg","width":800,"height":449,"caption":"Many investors face restricted investment access \u2013 is it time for change?"},{"@type":"BreadcrumbList","@id":"https:\/\/vapa.ch\/investment-access-private-banking\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/vapa.ch\/de\/de\/"},{"@type":"ListItem","position":2,"name":"Investment Access: A Fair Chance? \ud83d\udcbc"}]},{"@type":"WebSite","@id":"https:\/\/vapa.ch\/#website","url":"https:\/\/vapa.ch\/","name":"Blog \u00fcber unabh\u00e4ngige Verm\u00f6gensverwalter","description":"Unabh\u00e4ngiger Schweizer Blog f\u00fcr Wealth Management und alternative Anlagen","publisher":{"@id":"https:\/\/vapa.ch\/#organization"},"alternateName":"Wealth Management","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/vapa.ch\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"de-CH"},{"@type":"Organization","@id":"https:\/\/vapa.ch\/#organization","name":"Blog \u00fcber unabh\u00e4ngige Verm\u00f6gensverwalter","alternateName":"VAPA","url":"https:\/\/vapa.ch\/","logo":{"@type":"ImageObject","inLanguage":"de-CH","@id":"https:\/\/vapa.ch\/#\/schema\/logo\/image\/","url":"https:\/\/vapa.ch\/wp-content\/uploads\/2023\/12\/wealth-management-career-prosperity-switzerland.png","contentUrl":"https:\/\/vapa.ch\/wp-content\/uploads\/2023\/12\/wealth-management-career-prosperity-switzerland.png","width":67,"height":72,"caption":"Independent Wealth Management Blog"},"image":{"@id":"https:\/\/vapa.ch\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/swisswealthmanagement\/","https:\/\/x.com\/wealth_mgr_blog","https:\/\/www.linkedin.com\/in\/patrick-stauber-marcuard-heritage\/"],"description":"Independent Wealth Management Blog (VAPA) - Schweizer Blog f\u00fcr unabh\u00e4ngige Verm\u00f6gensverwaltung und alternative Investments.","email":"blog@vapa.ch","legalName":"SeventyOne GmbH","foundingDate":"2022-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"1","maxValue":"10"}},{"@type":"Person","@id":"https:\/\/vapa.ch\/#\/schema\/person\/24ee304c0f6c244bff2b39f1b9ae1398","name":"Superuser","image":{"@type":"ImageObject","inLanguage":"de-CH","@id":"https:\/\/secure.gravatar.com\/avatar\/12652d39b95508176b1876561df1b92e431a7c7c0c6fa5abc0cfc15d22e7f2a7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/12652d39b95508176b1876561df1b92e431a7c7c0c6fa5abc0cfc15d22e7f2a7?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/12652d39b95508176b1876561df1b92e431a7c7c0c6fa5abc0cfc15d22e7f2a7?s=96&d=mm&r=g","caption":"superuser"},"sameAs":["https:\/\/vapa.ch"]}]}},"uagb_featured_image_src":{"full":["https:\/\/vapa.ch\/wp-content\/uploads\/2025\/03\/Investment-Access.jpg",800,449,false],"thumbnail":["https:\/\/vapa.ch\/wp-content\/uploads\/2025\/03\/Investment-Access-200x112.jpg",200,112,true],"medium":["https:\/\/vapa.ch\/wp-content\/uploads\/2025\/03\/Investment-Access-300x168.jpg",300,168,true],"medium_large":["https:\/\/vapa.ch\/wp-content\/uploads\/2025\/03\/Investment-Access-768x431.jpg",768,431,true],"large":["https:\/\/vapa.ch\/wp-content\/uploads\/2025\/03\/Investment-Access.jpg",800,449,false],"1536x1536":["https:\/\/vapa.ch\/wp-content\/uploads\/2025\/03\/Investment-Access.jpg",800,449,false],"2048x2048":["https:\/\/vapa.ch\/wp-content\/uploads\/2025\/03\/Investment-Access.jpg",800,449,false],"trp-custom-language-flag":["https:\/\/vapa.ch\/wp-content\/uploads\/2025\/03\/Investment-Access.jpg",18,10,false],"placeholder-img":["https:\/\/vapa.ch\/wp-content\/uploads\/2025\/03\/Investment-Access-30x30.jpg",30,30,true],"post-thumbnail":["https:\/\/vapa.ch\/wp-content\/uploads\/2025\/03\/Investment-Access-480x269.jpg",480,269,true]},"uagb_author_info":{"display_name":"superuser","author_link":"https:\/\/vapa.ch\/de\/author\/superuser\/"},"uagb_comment_info":0,"uagb_excerpt":"Many smaller investors, whether young or less wealthy, face a hidden challenge: investment suitability rules. These regulations aim to protect us but often block access to investment opportunities that deliver more substantial long-term returns. The regulatory framework goes even further, tightening these limits and restricting access even more. \ud83d\udcbc The current situationIf you&#8217;re starting or&hellip;","_links":{"self":[{"href":"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/posts\/12606","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/comments?post=12606"}],"version-history":[{"count":6,"href":"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/posts\/12606\/revisions"}],"predecessor-version":[{"id":13322,"href":"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/posts\/12606\/revisions\/13322"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/media\/12607"}],"wp:attachment":[{"href":"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/media?parent=12606"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/categories?post=12606"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/tags?post=12606"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}