{"id":13718,"date":"2023-06-08T09:15:00","date_gmt":"2023-06-08T07:15:00","guid":{"rendered":"https:\/\/vapa.ch\/?p=13718"},"modified":"2026-11-02T18:50:18","modified_gmt":"2026-11-02T17:50:18","slug":"switching-to-an-independent-wealth-manager-heres-what-you-still-need-to-sign","status":"publish","type":"post","link":"https:\/\/vapa.ch\/de\/wechsel-zu-einem-unabhangigen-vermogensverwalter-was-sie-noch-unterschreiben-mussen\/","title":{"rendered":"Wechseln Sie zu einem unabh\u00e4ngigen Verm\u00f6gensverwalter? Das m\u00fcssen Sie noch unterschreiben"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Das klingt einfach, oder? Ihr neuer unabh\u00e4ngiger Berater arbeitet mit der <a href=\"https:\/\/vapa.ch\/de\/\">gleiche Bank<\/a> die Sie bereits nutzen. Also, kein neues Konto, keine neue Bank, kein \u00c4rger? Nicht ganz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Even if the custodian stays the same, the moment a client switches from direct private banking to an external asset manager (EAM), the legal and regulatory groundwork must be re-established. Skipping this step at the initial stage isn\u2019t just risky\u2014it\u2019s non-compliant. What the adviser adds is the part worth spelling out to the client: <a href=\"https:\/\/vapa.ch\/de\/was-ein-unabhangiger-vermogensverwalter-hinzufugt\/\">Was ein unabh\u00e4ngiger Verm\u00f6gensverwalter hinzuf\u00fcgt<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dieser Leitfaden richtet sich an Relationship Manager und Kundenberater, die bei oder mit EAMs arbeiten. Er erkl\u00e4rt genau, was beim Onboarding eines Kunden, der bereits ein Konto bei der Depotbank hat, zu unterschreiben und zu dokumentieren ist.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-no-new-account-but-yes-a-new-relationship\">1. Kein neues Konto - aber doch eine neue Beziehung<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The fact that the client already banks with your custodian saves time, but doesn\u2019t remove the need for formal onboarding. You still need to submit or refresh: The choice itself deserves a clear comparison: <a href=\"https:\/\/vapa.ch\/de\/bank-oder-unabhangiger-vermogensverwalter\/\">Bank oder unabh\u00e4ngiger Verm\u00f6gensverwalter<\/a>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Aktualisierte <a href=\"https:\/\/vapa.ch\/de\/pepschecks-und-banken\/\">KYC <\/a>und AML-Dokumentation<\/li>\n\n\n\n<li>Vereinbarung \u00fcber die Anlageverwaltung (IMA)<\/li>\n\n\n\n<li>Vollmacht (<a href=\"https:\/\/vapa.ch\/de\/\">LPOA<\/a>) f\u00fcr die Portfolioverwaltung<\/li>\n\n\n\n<li>Formelle Weisung, in der der EAM als Berater benannt wird<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Dieser Schritt wird von den Beratern oft untersch\u00e4tzt. Ohne ihn ist die Beziehung informell und ungeregelt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-formal-appointment-of-the-eam\">2. F\u00f6rmliche Ernennung der EAM<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Der Kunde muss die EAM ausdr\u00fccklich als seinen Portfoliomanager beauftragen. Diese Erm\u00e4chtigung wird in der Regel durch ein von der Depotbank bereitgestelltes Formular oder ein internes Schreiben erteilt und best\u00e4tigt:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Das Beratungs- oder Verwaltungsmandat (diskretion\u00e4r)<\/li>\n\n\n\n<li>Erlaubnis f\u00fcr die Depotbank, Daten weiterzugeben<\/li>\n\n\n\n<li>Handels- und Kommunikationsvollmacht f\u00fcr den EAM<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Die meisten EAMs \u00fcbernehmen diese Administration, doch das Dokument muss unterzeichnet und eingereicht werden, damit der Berater offiziell anerkannt ist.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-power-of-attorney-specific-to-this-setup\">3. Vollmacht \u2013 speziell f\u00fcr dieses Setup<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Auch bei einem bestehenden Konto muss der Kunde eine auf den neuen Berater zugeschnittene beschr\u00e4nkte Vollmacht ausstellen. Dies erm\u00f6glicht:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ausf\u00fchrung von Gesch\u00e4ften<\/li>\n\n\n\n<li>Vollst\u00e4ndige \u00dcberwachung des Portfolios<\/li>\n\n\n\n<li>Dokumentenzugriff f\u00fcr Steuern und Berichterstattung<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ohne sie bleibt der EAM Zuschauer statt Verwalter.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-compliance-no-shortcuts-here\">4. Einhaltung der Vorschriften: Hier gibt es keine Abk\u00fcrzungen<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Auch wenn die Depotbank \u00fcber <a href=\"https:\/\/vapa.ch\/de\/kyc-prozess-einer-schweizer-privatbank\/\">g\u00fcltige KYC-Daten verf\u00fcgt<\/a>, muss der EAM ein eigenes, konformes Dossier erstellen. Der Kunde muss Folgendes bereitstellen:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Identit\u00e4ts- und Adressnachweis<\/li>\n\n\n\n<li>CRS\/FATCA-Erkl\u00e4rungen<\/li>\n\n\n\n<li>Nachweis der Verm\u00f6gensherkunft<\/li>\n\n\n\n<li>Best\u00e4tigung des PEP-Status<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Dieser Schritt ist nicht nur b\u00fcrokratisch, sondern wird von der FINMA, FCA oder MiFID II gesetzlich vorgeschrieben und sch\u00fctzt sowohl den Kunden als auch den Berater.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-investment-management-agreement-ima\">5. Anlageverwaltungsabkommen (IMA)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Die IMA ist das Herzst\u00fcck der Beratungsbeziehung. Sie legt den Umfang, die Zust\u00e4ndigkeiten und die Regeln des Engagements fest:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Anlageziele und Risikopr\u00e4ferenzen<\/li>\n\n\n\n<li>Berichtsstandards und Kontakth\u00e4ufigkeit<\/li>\n\n\n\n<li><a href=\"https:\/\/vapa.ch\/de\/versteckte-gebuhren-bankwesen-automobile\/\">Honorarmodell<\/a> (fest, gestaffelt, leistungsabh\u00e4ngig)<\/li>\n\n\n\n<li>Gesetzliche Haftung und Offenlegung von Konflikten<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ohne unterzeichnetes IMA kann die Portfolioverwaltung nicht beginnen \u2013 egal, wie gut der Kunde Sie kennt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\">Fazit<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Das Onboarding eines Kunden, der bereits bei Ihrer Depotbank Kunde ist, mag sich wie eine Abk\u00fcrzung anf\u00fchlen, aber das \u00dcberspringen der formalen Schritte birgt Risiken f\u00fcr den Kunden, den Berater und die Beziehung.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Machen Sie es reibungslos, aber machen Sie es offiziell. Indem Sie den Kunden durch diese letzten (und wichtigen) Unterschriften f\u00fchren, sch\u00fctzen Sie die Beziehung, gew\u00e4hrleisten die Einhaltung der Vorschriften und sch\u00f6pfen die Vorteile des EAM-Modells voll aus.<\/p>","protected":false},"excerpt":{"rendered":"<p>It sounds easy, right? Your new independent adviser works with the same bank you already use. So, no new account, no new bank, no hassle? Not quite. Even if the custodian stays the same, the moment a client switches from direct private banking to an external asset manager (EAM), the legal and regulatory groundwork must [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":13719,"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":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[92],"tags":[164,230,99,42],"class_list":["post-13718","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-client-relations","tag-changing-landscape","tag-client-relationship","tag-independent-wealth-management","tag-wealth-management"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.7 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Switching to | independent wealth management<\/title>\n<meta name=\"description\" content=\"Switching to an independent adviser? Even if you keep your bank, key forms still need signing\u2014here\u2019s what to expect.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/posts\/13718\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Switching to an Independent Wealth Manager? Here\u2019s What You Still Need to Sign\" \/>\n<meta property=\"og:description\" content=\"Switching to an independent adviser? 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