{"id":2216,"date":"2023-12-01T15:54:17","date_gmt":"2023-12-01T14:54:17","guid":{"rendered":"https:\/\/vapa.ch\/?p=2216"},"modified":"2026-08-22T17:57:28","modified_gmt":"2026-08-22T15:57:28","slug":"balance-sheet-of-an-independent-wealth-manager","status":"publish","type":"post","link":"https:\/\/vapa.ch\/de\/bilanz-eines-unabhangigen-vermogensverwalters\/","title":{"rendered":"Die Bilanz eines unabh\u00e4ngigen Verm\u00f6gensverwalters: Ein genauerer Blick\ud83d\udd0d"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Im Bereich der Verm\u00f6gensverwaltung gibt es zahlreiche <a href=\"https:\/\/vapa.ch\/de\/basel-aml-index\/\">Missverst\u00e4ndnisse<\/a>, insbesondere im Hinblick auf die <a href=\"https:\/\/vapa.ch\/de\/swiss-independent-wealth-management-blog\/vermogensverwalter\/\">Bilanz <\/a>eines unabh\u00e4ngigen Verm\u00f6gensverwalters. Hier sind einige Klarstellungen:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-where-are-clients-funds-held\">\ud83c\udfe6 Wo werden die Kundengelder aufbewahrt?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Zun\u00e4chst einmal ist es wichtig zu verstehen, dass die Gelder der Kunden niemals direkt vom Verm\u00f6gensverwalter gehalten werden. Sie werden bei einer sorgf\u00e4ltig ausgew\u00e4hlten Depotbank hinterlegt. Diese <a href=\"https:\/\/vapa.ch\/de\/konvergenzkurve-unabhangige-vermogensverwaltung\/\">wichtige Tatsache <\/a>bedeutet, dass die\u00a0<a href=\"https:\/\/vapa.ch\/de\/cet1-quote-in-schweizer-privatbanken-fur-eams\/\">Finanzstrategien <\/a>Die Solidit\u00e4t der Depotbank sollte unser Hauptanliegen sein, nicht die des Verm\u00f6gensverwalters.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-s-on-the-bank-s-balance-sheet\">\ud83d\udcca Was steht in der Bilanz der Bank?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Die Finanzen der Bank sind zwar von grundlegender Bedeutung, aber es ist bemerkenswert, dass die Wertpapiere ausserhalb der Bank gehalten werden. <a href=\"https:\/\/vapa.ch\/de\/bilanz-eines-unabhangigen-vermogensverwalters\/\">Bilanz<\/a>. Nur Barguthaben sind wirklich in der Bilanz der Bank ausgewiesen. Bei gr\u00f6sseren Liquidit\u00e4tspositionen empfiehlt sich eine Diversifikation der Cash-Positionen durch den Einsatz von Geldm\u00e4rkten, Tages-\/Termineinlagen oder ultrakurzfristigen Obligationenfonds. Es ist wichtig zu wissen, dass z.B. nur Betr\u00e4ge bis zu 100'000 CHF versichert sind.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-happens-in-the-worst-case\">\u2757 Was passiert im schlimmsten Fall?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ein Handelsfehler tritt auf. Die meisten Verm\u00f6gensverwalter haben eine Berufshaftpflichtversicherung (Professional Indemnity Insurance, PII) abgeschlossen. Das Deckungsvolumen dieser Versicherungen ist in der Regel viel h\u00f6her, als es die Bilanz eines Verm\u00f6gensverwalters vermuten liesse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zusammenfassend l\u00e4sst sich sagen, dass ein unabh\u00e4ngiger Verm\u00f6gensverwalter <a href=\"https:\/\/vapa.ch\/de\/beyond-aum-wie-unabhangige-vermogensverwalter-rentabilitat-und-performance-priorisieren\/\">Bilanz<\/a> mag auf den ersten Blick wichtig erscheinen. F\u00fcr die Bewertung der Sicherheit und Zuverl\u00e4ssigkeit sind jedoch viele andere Faktoren von entscheidender Bedeutung.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quelle: <a href=\"https:\/\/www.linkedin.com\/posts\/patrick-stauber-marcuard-heritage_balancesheet-wealthmanager-trading-activity-7132608611221958657-ElZd?utm_source=share&amp;utm_medium=member_desktop\" 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\/2216?action=genpdf&amp;id=2216\" 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>In the realm of wealth management, there are numerous misconceptions, especially regarding the balance sheet of an independent wealth manager. Here are some clarifications: \ud83c\udfe6 Where Are Clients&#8217; Funds Held? Firstly, it&#8217;s vital to understand that clients&#8217; funds are never directly held by the wealth manager. They are deposited with a meticulously selected custodian bank. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2217,"comment_status":"open","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":[89],"tags":[276,36,180,127,99,42],"class_list":["post-2216","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-industry-news","tag-2023-blogs-wealth-management","tag-banks","tag-custodian-bank","tag-financials","tag-independent-wealth-management","tag-wealth-management"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.7 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>The Balance Sheet | independent wealth management<\/title>\n<meta name=\"description\" content=\"What&#039;s the Bank&#039;s Balance Sheet? 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