{"id":15414,"date":"2025-09-20T16:05:33","date_gmt":"2025-09-20T14:05:33","guid":{"rendered":"https:\/\/vapa.ch\/?p=15414"},"modified":"2025-12-14T10:17:49","modified_gmt":"2025-12-14T09:17:49","slug":"gebuhrensimulation-zwischen-privatbank-und-unabhangigem-vermogensverwalter","status":"publish","type":"post","link":"https:\/\/vapa.ch\/de\/fee-simulation-between-private-bank-and-independent-wealth-manager\/","title":{"rendered":"Geb\u00fchrensimulation zwischen Privatbank und unabh\u00e4ngigem 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 sticky-no is-skin bg-el bg-inherit bg-light bg-no bg-no bg-no box-no e-con e-parent\" data-eae-slider=\"97068\" 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}\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    <h2>Your inputs<\/h2>\r\n    <div class=\"row\">\r\n      <div>\r\n        <label>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>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      <h2>Private Banking (Direct client)<\/h2>\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      <h2>Independent Wealth Management<\/h2>\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    <h2>Method (fixed)<\/h2>\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.replace(\/[^0-9]\/g,'');\r\n    return raw ? +raw : 0;\r\n  }\r\n\r\n  \/\/ Format AUM with commas as user types\/blurs\r\n  function formatAUM(){\r\n    const digits = $('aum').value.replace(\/[^0-9]\/g,'');\r\n    if(!digits){ $('aum').value=''; return; }\r\n    const n = Number(digits);\r\n    $('aum').value = n.toLocaleString('en-GB'); \/\/ 1,000,000 style\r\n  }\r\n\r\n  function compute(){\r\n    const A = parseAUM();\r\n    const T = (+$('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  $('aum').addEventListener('blur', formatAUM);\r\n  ['turn','inh'].forEach(id=>$(id).addEventListener('input', compute));\r\n\r\n  \/\/ Initial render\r\n  compute();\r\n})();\r\n<\/script>\r\n\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>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\/\">millions<\/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<div class=\"wps-pgfw-pdf-generate-icon__wrapper-frontend pgfw-icon-display pgfw-icon-display--default\" style=\"--pgfw-icon-justify:;\"><a href=\"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/posts\/15414?action=genpdf&#038;id=15414\" class=\"pgfw-single-pdf-download-button pgfw-single-pdf-download-button--default pgfw-single-pdf-download-button--image-only pgfw-single-pdf-download-button--icon-only\" title=\"Generate PDF\" style=\"--pgfw-icon-width:25px;--pgfw-icon-height:45px;\" target=\"_blank\" aria-label=\"Generate PDF\"><span class=\"pgfw-single-pdf-download-button__media\" aria-hidden=\"true\"><img src=\"https:\/\/vapa.ch\/wp-content\/uploads\/2024\/11\/pdf-svgrepo-com.svg\" alt=\"\" decoding=\"async\"><\/span><\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>Private Banking vs. unabh\u00e4ngige Verm\u00f6gensverwaltung - was ist g\u00fcnstiger?Die meisten Anleger denken bei der Wahl eines Verm\u00f6gensverwalters an Leistung und Ruf. Der wahre Unterschied liegt jedoch oft in den Geb\u00fchren und Kosten, die Sie tats\u00e4chlich zahlen. Depotgeb\u00fchren, Mandatsgeb\u00fchren, versteckte Produktmargen, Ticketgeb\u00fchren - sie alle schm\u00e4lern Ihre Rendite. Das Problem: Privatbanken sind nicht immer transparent, w\u00e4hrend unabh\u00e4ngige Verm\u00f6gensverwalter oft alle Geb\u00fchren offenlegen. In diesem Artikel vergleichen wir die Geb\u00fchren im Private Banking mit den Kosten der unabh\u00e4ngigen Verm\u00f6gensverwaltung. Und weil Zahlen mehr sagen als Worte, k\u00f6nnen Sie auch unser kostenloses Wealth Management Fee Comparator Tool nutzen, um Ihre eigenen Kosten zu berechnen. Geben Sie einfach Ihr verwaltetes Verm\u00f6gen (AUM) und Ihren j\u00e4hrlichen Portfolioumsatz ein, und Sie erhalten die Ergebnisse in Sekundenschnelle. Warum die Kosten bei der Verm\u00f6gensverwaltung eine Rolle spielen Depotgeb\u00fchren: H\u00f6her f\u00fcr Privatbanken, niedriger f\u00fcr unabh\u00e4ngige Verwalter. Mandatsgeb\u00fchren: \u00c4hnliche Spanne, aber unabh\u00e4ngige Verwalter sind oft flexibler. Transaktionskosten: Privatbanken verstecken sie in den Spreads, unabh\u00e4ngige Verwalter weisen die Ticketgeb\u00fchren aus. Eigene Produkte: Privatbanken f\u00fcgen oft versteckte Kosten von 0,25%-0,75% p.a. hinzu. Selbst kleine Unterschiede summieren sich. Bei einem Portfolio von 20 Millionen CHF bedeuten 0,25% an versteckten Kosten einen Verlust von 50'000 CHF pro Jahr. Berechnen Sie Ihre eigenen Kosten Nutzen Sie unseren interaktiven Geb\u00fchrenrechner, um Private Banking und Independent Wealth Management zu vergleichen. Geben Sie Ihre ...<\/p>","protected":false},"author":1,"featured_media":15428,"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":[277,36,230,141,99,64,42],"class_list":["post-15414","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","tag-2025-blog-wealth-management","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 v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>fee simulation | independent wealth management<\/title>\n<meta name=\"description\" content=\"Compare Private Banking fees vs Independent Wealth Management. 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