{"id":15414,"date":"2025-09-20T16:05:33","date_gmt":"2025-09-20T14:05:33","guid":{"rendered":"https:\/\/vapa.ch\/?p=15414"},"modified":"2026-11-02T19:14:01","modified_gmt":"2026-11-02T18:14:01","slug":"fee-simulation-between-private-bank-and-independent-wealth-manager","status":"publish","type":"post","link":"https:\/\/vapa.ch\/de\/gebuhrensimulation-zwischen-privatbank-und-unabhangigem-vermogensverwalter\/","title":{"rendered":"Geb\u00fchrensimulation: Privatbank vs. unabh\u00e4ngiger Verm\u00f6gensverwalter"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"15414\" class=\"elementor elementor-15414\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"has_eae_slider elementor-element elementor-element-22f6fc8e e-con-full e-flex e-con e-parent\" data-eae-slider=\"3323\" data-id=\"22f6fc8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73135de3 elementor-widget elementor-widget-text-editor\" data-id=\"73135de3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Private Banking vs Independent Wealth Management \u2013 which is cheaper?<\/strong><br \/>Most investors think about performance and reputation when choosing a wealth manager.\u00a0But the real difference is often hidden in the fees and costs you actually pay.\u00a0Custody fees, mandate fees, hidden product margins, ticket fees \u2013 they all reduce your returns.\u00a0The problem: private banks are not always transparent, whereas independent wealth managers often disclose all fees.<\/p><p>In this article, we compare <strong>Private Banking fees<\/strong> with\u00a0<strong>Independent Wealth Management costs<\/strong>.\u00a0And because numbers speak louder than words, you can also use our free\u00a0<strong>Wealth Management Fee Comparator Tool<\/strong> to calculate your own costs.\u00a0Simply enter your <strong>Assets under Management (AUM)<\/strong> and your\u00a0<strong>annual portfolio turnover<\/strong>, and see the results in seconds.<\/p><h2>Why Costs Matter in Wealth Management<\/h2><ul><li><strong>Custody Fees:<\/strong> Higher for private banks, lower for independent managers.<\/li><li><strong>Mandate Fees:<\/strong> Similar ranges, but independents are often more flexible.<\/li><li><strong>Transaction Costs:<\/strong> Private banks hide them in spreads, independents show ticket fees.<\/li><li><strong>In-house Products:<\/strong> Private banks often add hidden costs of 0.25%\u20130.75% p.a.<\/li><\/ul><p>Even slight differences add up. On a CHF 20 million portfolio,\u00a0just 0.25% in hidden costs means CHF 50,000 lost every year.<\/p><h2>Calculate Your Own Costs<\/h2><p>Use our <strong>interactive fee calculator<\/strong> to compare Private Banking and\u00a0Independent Wealth Management.\u00a0Enter your portfolio size and <a href=\"https:\/\/vapa.ch\/how-many-transactions-does-a-portfolio-need\/\">turnover<\/a>, and see the difference in black and white.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b46a973 elementor-widget elementor-widget-html\" data-id=\"b46a973\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- Simple Fee Comparator (AUM + Turnover) | Black & White | Updated formatting + fee tweaks -->\r\n<style>\r\n  .wrap{max-width:12000px;margin:0 auto;padding:16px;background:#fff;color:#000;\r\n        font:14px\/1.45 -apple-system,Segoe UI,Roboto,Arial,sans-serif;border:1px solid #000}\r\n  h1{margin:0 0 10px;font-size:22px}\r\n  h2{margin:0 0 8px;font-size:16px}\n  .wrap h3{margin:0 0 8px;font-size:16px;font-weight:700}\r\n  .card{border:1px solid #000;padding:12px;margin-top:12px}\r\n  .grid{display:grid;gap:12px}\r\n  @media(min-width:900px){.grid-2{grid-template-columns:1fr 1fr}}\r\n  label{font-size:12px}\r\n  input[type=\"number\"],input[type=\"range\"],input[type=\"text\"]{width:100%;padding:8px;border:1px solid #000;background:#fff;color:#000}\r\n  .mono{font-variant-numeric:tabular-nums}\r\n  table{width:100%;border-collapse:collapse;margin-top:8px}\r\n  th,td{border:1px solid #000;padding:6px 8px;text-align:left;vertical-align:top}\r\n  th{background:#f5f5f5}\r\n  .row{display:grid;grid-template-columns:1fr 1fr;gap:8px}\r\n  .small{font-size:12px;color:#222}\r\n  .toggle{display:flex;align-items:center;gap:8px;margin-top:6px}\r\n<\/style>\r\n\r\n<div class=\"wrap\" id=\"cmp\">\r\n  <h2>Private Banking vs Independent Wealth Management \u2014 Simple Cost Comparator<\/h2>\r\n\r\n  <div class=\"card\">\r\n    <h3>Your inputs<\/h3>\r\n    <div class=\"row\">\r\n      <div>\r\n        <label for=\"aum\">Amount to invest (AUM)<\/label>\r\n        <!-- use text input to allow formatted numbers with commas -->\r\n        <input id=\"aum\" type=\"text\" inputmode=\"numeric\" placeholder=\"e.g., 20,000,000\">\r\n      <\/div>\r\n      <div>\r\n        <label for=\"turn\">Turnover (% of portfolio traded per year)<\/label>\r\n        <input id=\"turn\" type=\"range\" min=\"0\" max=\"150\" step=\"5\" value=\"60\" oninput=\"document.getElementById('turnv').textContent=this.value + '%'\">\r\n        <div class=\"small\">Current: <span id=\"turnv\">60%<\/span> (buy + sell together)<\/div>\r\n      <\/div>\r\n    <\/div>\r\n    <div class=\"toggle\">\r\n      <input id=\"inh\" type=\"checkbox\" checked>\r\n      <label for=\"inh\">Private Banking \u2014 Hidden cost (in-house products) (+0.25% p.a.)<\/label>\r\n    <\/div>\r\n    <div class=\"small\">Assumptions fixed: 50% Equities \/ 50% Bonds, avg. position size 5% of portfolio; discretionary mandate.<\/div>\r\n  <\/div>\r\n\r\n  <div class=\"grid grid-2\">\r\n    <div class=\"card\">\r\n      <h3>Private Banking (Direct client)<\/h3>\r\n      <table>\r\n        <tbody id=\"pb-body\"><\/tbody>\r\n        <tfoot>\r\n          <tr><th>Total (yearly)<\/th><th class=\"mono\" id=\"pb-total\">\u2014<\/th><\/tr>\r\n          <tr><th>Total (% of AUM)<\/th><th class=\"mono\" id=\"pb-pct\">\u2014<\/th><\/tr>\r\n        <\/tfoot>\r\n      <\/table>\r\n      <div class=\"small\">\r\n        Includes: custody 0.30% (min CHF 1\u2019500), discretionary 1.00%, in-house +0.25% (toggle),\r\n        trading costs on turnover (equities 0.40%, bonds 0.20%).\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <div class=\"card\">\r\n      <h3>Independent Wealth Management<\/h3>\r\n      <table>\r\n        <tbody id=\"iw-body\"><\/tbody>\r\n        <tfoot>\r\n          <tr><th>Total (yearly)<\/th><th class=\"mono\" id=\"iw-total\">\u2014<\/th><\/tr>\r\n          <tr><th>Total (% of AUM)<\/th><th class=\"mono\" id=\"iw-pct\">\u2014<\/th><\/tr>\r\n        <\/tfoot>\r\n      <\/table>\r\n      <div class=\"small\">\r\n        Includes: custody 0.15% (no minimum), discretionary 1.00%,\r\n        explicit ticket fees CHF 125 per side; brokerage % assumed 0%.\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"card\">\r\n    <h3>Method (fixed)<\/h3>\r\n    <ul class=\"small\">\r\n      <li>Turnover applies to full AUM: traded value = AUM \u00d7 turnover% (buy + sell combined).<\/li>\r\n      <li>Asset mix fixed at 50% equities \/ 50% bonds.<\/li>\r\n      <li>PB trading cost = 0.40% on equity trades + 0.20% on bond trades (on traded value).<\/li>\r\n      <li>IWM trading cost = ticket CHF 125 per trade side. Number of sides = traded value \u00f7 (5% \u00d7 AUM).<\/li>\r\n      <li>Custody floors: PB CHF 1\u2019500; IWM <strong>no minimum<\/strong>.<\/li>\r\n      <li>Mandate fee (discretionary) = 1.00% p.a. on AUM (both columns).<\/li>\r\n      <li>PB in-house (hidden cost) adds +0.25% p.a. on AUM (toggle above).<\/li>\r\n      <li>Taxes, FX, stamp duty, extra TERs beyond in-house uplift are omitted for simplicity.<\/li>\r\n    <\/ul>\r\n  <\/div>\r\n<\/div>\r\n\r\n<script>\r\n(function(){\r\n  const $ = (id)=>document.getElementById(id);\r\n  const CHF = (v)=>'CHF ' + Math.round(v).toLocaleString('de-CH');\r\n  const pctAmt = (A,p)=>A*(p\/100);\r\n\r\n  \/\/ ---- Fixed assumptions (updated) ----\r\n  const ASSUME = {\r\n    \/\/ custody\r\n    pbCustPct: 0.30, pbCustFloor: 1500,\r\n    iwCustPct: 0.15, \/\/ no minimum\r\n\r\n    \/\/ mandate (discretionary)\r\n    mandatePctPB: 1.00,\r\n    mandatePctIW: 1.00,\r\n\r\n    \/\/ PB in-house uplift (hidden cost)\r\n    pbInhousePct: 0.25,\r\n\r\n    \/\/ trading\r\n    equityShare: 0.50, bondShare: 0.50,\r\n    pbEqBps: 0.40,   \/\/ % of traded value (equities)\r\n    pbBdBps: 0.20,   \/\/ % of traded value (bonds)\r\n    iwmTicketCHF: 125, \/\/ per side (buy OR sell)\r\n    avgPosShare: 0.05  \/\/ 5% of AUM\r\n  };\r\n\r\n  \/\/ Parse AUM from formatted text (strip non-digits)\r\n  function parseAUM(){\r\n    const raw = $('aum').value.trim().toLowerCase();\r\n    const suf = raw.match(\/(mio|mn|m|k)\\.?\\s*$\/);\r\n    if(suf){\r\n      const num = parseFloat(raw.slice(0, suf.index).replace(\/[^0-9.]\/g,''));\r\n      if(!isFinite(num)) return 0;\r\n      return Math.round(num * (suf[1]==='k' ? 1e3 : 1e6));\r\n    }\r\n    const digits = raw.replace(\/[^0-9]\/g,'');\r\n    return digits ? +digits : 0;\r\n  }\r\n\r\n  \/\/ Format AUM with commas as user types\/blurs; expands 5m \/ 500k \/ 5 mio on blur\r\n  function formatAUM(expand){\r\n    const el = $('aum');\r\n    if(\/[a-z]\/i.test(el.value) && !expand){ return; } \/\/ user is typing a suffix like m \/ k \/ mio\r\n    const v = parseAUM();\r\n    el.value = v ? v.toLocaleString('en-GB') : ''; \/\/ 1,000,000 style\r\n  }\r\n\r\n  function compute(){\r\n    const A = parseAUM();\r\n    const T = (+$('turn').value || 0)\/100;\r\n    const inh = $('inh').checked;\r\n    if(A<=0){ reset(); return; }\r\n\r\n    const traded = A * T; \/\/ buy + sell combined\r\n    const tradedEq = traded * ASSUME.equityShare;\r\n    const tradedBd = traded * ASSUME.bondShare;\r\n\r\n    \/\/ --- Private Banking ---\r\n    const pbCust = Math.max(pctAmt(A, ASSUME.pbCustPct), ASSUME.pbCustFloor);\r\n    const pbMand = pctAmt(A, ASSUME.mandatePctPB);\r\n    const pbInH  = inh ? pctAmt(A, ASSUME.pbInhousePct) : 0;\r\n    const pbTrade = (tradedEq * (ASSUME.pbEqBps\/100)) + (tradedBd * (ASSUME.pbBdBps\/100));\r\n    const pbTotal = pbCust + pbMand + pbInH + pbTrade;\r\n    const pbPct = (pbTotal\/A)*100;\r\n\r\n    \/\/ --- Independent WM ---\r\n    const iwCust = pctAmt(A, ASSUME.iwCustPct); \/\/ no floor\r\n    const iwMand = pctAmt(A, ASSUME.mandatePctIW);\r\n    \/\/ number of trade sides (each side = one ticket)\r\n    const sides = traded \/ (A * ASSUME.avgPosShare);\r\n    const iwTickets = sides * ASSUME.iwmTicketCHF;\r\n    const iwTotal = iwCust + iwMand + iwTickets;\r\n    const iwPct = (iwTotal\/A)*100;\r\n\r\n    \/\/ Fill tables\r\n    const pbRows = [\r\n      ['Custody (0.30% p.a., min CHF 1\u2019500)', pbCust],\r\n      ['Mandate fee (1.00% p.a.)', pbMand],\r\n      ['Hidden cost (in-house products, 0.25% p.a.)', pbInH],\r\n      ['Trading costs on turnover', pbTrade]\r\n    ];\r\n    const iwRows = [\r\n      ['Custody (0.15% p.a., no minimum)', iwCust],\r\n      ['Mandate fee (1.00% p.a.)', iwMand],\r\n      ['Ticket fees (CHF 125 per side)', iwTickets]\r\n    ];\r\n\r\n    $('pb-body').innerHTML = pbRows.map(([k,v])=>`<tr><th>${k}<\/th><td class=\"mono\">${CHF(v)}<\/td><\/tr>`).join('');\r\n    $('iw-body').innerHTML = iwRows.map(([k,v])=>`<tr><th>${k}<\/th><td class=\"mono\">${CHF(v)}<\/td><\/tr>`).join('');\r\n\r\n    $('pb-total').textContent = CHF(pbTotal);\r\n    $('pb-pct').textContent = pbPct.toFixed(2) + '%';\r\n    $('iw-total').textContent = CHF(iwTotal);\r\n    $('iw-pct').textContent = iwPct.toFixed(2) + '%';\r\n  }\r\n\r\n  function reset(){\r\n    ['pb-body','iw-body'].forEach(id=>$(id).innerHTML='');\r\n    ['pb-total','pb-pct','iw-total','iw-pct'].forEach(id=>$(id).textContent='\u2014');\r\n  }\r\n\r\n  \/\/ Bind events\r\n  $('aum').addEventListener('input', ()=>{ formatAUM(); compute(); });\r\n  $('aum').addEventListener('blur', ()=>formatAUM(true));\r\n  ['turn','inh'].forEach(id=>$(id).addEventListener('input', compute));\r\n\r\n  \/\/ Initial render\r\n  compute();\r\n})();\r\n<\/script>\r\n\r\n<!-- FAQPage structured data (matches the FAQ section of this article) -->\r\n<script type=\"application\/ld+json\">\r\n{\n \"@context\": \"https:\/\/schema.org\",\n \"@type\": \"FAQPage\",\n \"mainEntity\": [\n  {\n   \"@type\": \"Question\",\n   \"name\": \"Is independent wealth management always cheaper than a private bank?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"Not always, but often. The main savings come from lower custody fees, transparent ticket fees and the absence of in-house product margins.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"Why is the mandate fee the same in both columns?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"To compare like with like. In practice, mandate fees vary by firm and can often be negotiated.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"Can I negotiate private banking fees?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"Yes, especially for larger portfolios. Ask for an all-in fee proposal in writing and compare it with the totals from the calculator.\"\n   }\n  }\n ]\n}\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5ac54c elementor-widget elementor-widget-text-editor\" data-id=\"c5ac54c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Understanding the Results<\/h2><p><strong>Private Banking:<\/strong> Higher custody, plus hidden <a href=\"https:\/\/vapa.ch\/in-house-products-vs-open-architecture-wealth-management\/\">in-house<\/a> product costs if used. Transaction costs are bundled into spreads and not always visible.<\/p><p><strong>Independent Wealth Management:<\/strong> Lower custody (no minimums), transparent ticket fees, and usually access to cheaper <a href=\"https:\/\/vapa.ch\/swiss-independent-wealth-management-blog\/bankable-investment-products-in-swiss-wealth-management-overview\/\">ETFs<\/a> and institutional funds. The result: more of your money stays invested, less goes to fees.<\/p><h2>A worked example: CHF 5 million, 50% turnover<\/h2><p>Take a CHF 5 million portfolio with an annual turnover of 50%, using the method of the calculator above. The traded value is CHF 2.5 million per year.<\/p><table><thead><tr><th>Cost component (per year)<\/th><th>Private Banking<\/th><th>Independent Wealth Management<\/th><\/tr><\/thead><tbody><tr><td>Mandate fee (1.00%)<\/td><td>CHF 50,000<\/td><td>CHF 50,000<\/td><\/tr><tr><td>Trading costs<\/td><td>CHF 7,500 (0.40% equities, 0.20% bonds)<\/td><td>CHF 1,250 (10 tickets \u00e0 CHF 125)<\/td><\/tr><tr><td>In-house products (+0.25%)<\/td><td>CHF 12,500<\/td><td>\u2013<\/td><\/tr><tr><td><strong>Total before custody<\/strong><\/td><td><strong>CHF 70,000<\/strong><\/td><td><strong>CHF 51,250<\/strong><\/td><\/tr><\/tbody><\/table><p>The difference is CHF 18,750 per year before custody fees, or about CHF 187,500 over ten years without compounding. The mandate fee is the same in both columns. The gap comes from the costs clients rarely see on a statement.<\/p><h2>What the simulation leaves out<\/h2><p>The calculator keeps things simple on purpose. In practice, several further costs apply to both models:<\/p><ul><li><strong>Swiss stamp duty<\/strong> on securities trades, typically 0.075% on Swiss and 0.15% on foreign securities for the client.<\/li><li><strong>VAT<\/strong> of 8.1% on asset management fees.<\/li><li><strong>FX margins<\/strong> when trading in foreign currencies, often hidden in the exchange rate.<\/li><li><strong>Fund costs (TER)<\/strong> of ETFs and funds beyond the in-house uplift.<\/li><\/ul><p>These costs do not change the conclusion, but they show why an all-in view matters.<\/p><h2>Five fee questions to ask before you sign<\/h2><ol><li>What is my total annual cost in CHF and in % of assets, including custody and trading?<\/li><li>Are transaction costs charged as tickets or hidden in spreads?<\/li><li>Which share classes are used, and are retrocessions passed on to me?<\/li><li>What FX margin does the bank apply?<\/li><li>Is there a minimum fee, and how does it change if my assets grow?<\/li><\/ol><h2>Frequently asked questions<\/h2><p><strong>Is independent wealth management always cheaper than a private bank?<\/strong><br>Not always, but often. The main savings come from lower custody fees, transparent ticket fees and the absence of in-house product margins.<\/p><p><strong>Why is the mandate fee the same in both columns?<\/strong><br>To compare like with like. In practice, mandate fees vary by firm and can often be negotiated.<\/p><p><strong>Can I negotiate private banking fees?<\/strong><br>Yes, especially for larger portfolios. Ask for an all-in fee proposal in writing and compare it with the totals from the calculator.<\/p><h2>Conclusion: Transparency Wins<\/h2><p>The right wealth manager is not only about performance or brand. It is about <strong>how much of your wealth you keep after all fees and hidden costs<\/strong>. Our calculator shows that in most cases, Independent Wealth Management is cheaper and more transparent.<\/p><p>\ud83d\udc49 Try the tool with your own numbers, compare the totals, and see how much you could save. Over ten years, the difference can reach <a href=\"https:\/\/vapa.ch\/sudden-wealth-stay-rich-with-these-key-management-strategies-%f0%9f%8c%9f\/\">hundreds of thousands of francs<\/a>.<\/p><p>Disclaimer: This article is for informational purposes only. It does not represent financial advice. Please consult a licensed professional before making investment decisions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Private Banking vs Independent Wealth Management \u2013 which is cheaper?Most investors think about performance and reputation when choosing a wealth manager.\u00a0But the real difference is often hidden in the fees and costs you actually pay.\u00a0Custody fees, mandate fees, hidden product margins, ticket fees \u2013 they all reduce your returns.\u00a0The problem: private banks are not always [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":18422,"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","footnotes":""},"categories":[88],"tags":[36,230,141,99,64,42],"class_list":["post-15414","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","tag-banks","tag-client-relationship","tag-fees","tag-independent-wealth-management","tag-private-banking","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>private banking fees vs independent wealth management \u2013 cost comparison<\/title>\n<meta name=\"description\" content=\"Private bank vs independent wealth manager: compare fees with our free calculator. A CHF 5m example shows CHF 18,750 a year in hidden costs.\" \/>\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\/15414\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fee Simulation between Private Bank and Independent Wealth Manager\" \/>\n<meta property=\"og:description\" content=\"Private bank vs independent wealth manager: compare fees with our free calculator. 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