{"id":2216,"date":"2023-12-01T15:54:17","date_gmt":"2023-12-01T14:54:17","guid":{"rendered":"https:\/\/vapa.ch\/?p=2216"},"modified":"2025-11-29T10:48:11","modified_gmt":"2025-11-29T09:48:11","slug":"bilanz-eines-unabhangigen-vermogensverwalters","status":"publish","type":"post","link":"https:\/\/vapa.ch\/de\/balance-sheet-of-an-independent-wealth-manager\/","title":{"rendered":"Die Bilanz eines unabh\u00e4ngigen Verm\u00f6gensverwalters: Ein genauerer Blick\ud83d\udd0d"},"content":{"rendered":"<p>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\/\">bilanzieren <\/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>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\/\">Finanzen <\/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>Die Finanzen der Bank sind zwar von grundlegender Bedeutung, aber es ist bemerkenswert, dass die Wertpapiere au\u00dferhalb der Bank gehalten werden. <a href=\"https:\/\/vapa.ch\/de\/bilanz-eines-unabhangigen-vermogensverwalters\/\">bilanzieren<\/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>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 lie\u00dfe.<\/p>\n\n\n\n<p>Zusammenfassend l\u00e4sst sich sagen, dass ein unabh\u00e4ngiger Verm\u00f6gensverwalter <a href=\"https:\/\/vapa.ch\/de\/beyond-aum-wie-unabhangige-vermogensverwalter-rentabilitat-und-leistung-in-den-vordergrund-stellen-%f0%9f%92%b0%f0%9f%93%88\/\">bilanzieren<\/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>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>Im Bereich der Verm\u00f6gensverwaltung gibt es zahlreiche Missverst\u00e4ndnisse, insbesondere was die Bilanz eines unabh\u00e4ngigen Verm\u00f6gensverwalters betrifft. Hier sind einige Klarstellungen: \ud83c\udfe6 Wo werden die Kundengelder gehalten? Zun\u00e4chst einmal ist es wichtig zu verstehen, dass die Kundengelder niemals direkt vom Verm\u00f6gensverwalter gehalten werden. Sie werden bei einer sorgf\u00e4ltig ausgew\u00e4hlten Depotbank deponiert. Diese wichtige Tatsache bedeutet, dass die finanzielle Solidit\u00e4t der Depotbank unser Hauptanliegen sein sollte, nicht die des Verm\u00f6gensverwalters. \ud83d\udcca Was steht in der Bilanz der Bank? Die Finanzen der Bank sind zwar von grundlegender Bedeutung, doch ist es bemerkenswert, dass die Wertpapiere nicht in der Bilanz der Bank erscheinen. Nur Bargeldbest\u00e4nde sind wirklich in der Bilanz der Bank enthalten. Bei gr\u00f6\u00dferen Liquidit\u00e4tspositionen empfiehlt sich eine Diversifizierung der Bargeldpositionen durch den Einsatz von Geldm\u00e4rkten, Tages- und Termingeldern oder ultrakurzfristigen Rentenfonds. Es ist wichtig zu wissen, dass z.B. nur Betr\u00e4ge bis zu 100\u2019000 CHF versichert sind. \u2757 Was passiert im schlimmsten Fall? Ein Handelsfehler tritt auf. Die meisten Verm\u00f6gensverwalter haben vorsorglich eine Berufshaftpflichtversicherung abgeschlossen. Die Deckungssummen dieser Versicherungen sind in der Regel viel h\u00f6her, als man aufgrund der Bilanz eines Verm\u00f6gensverwalters vermuten k\u00f6nnte. Zusammenfassend l\u00e4sst sich sagen, dass die Bilanz eines unabh\u00e4ngigen Verm\u00f6gensverwalters auf den ersten Blick wichtig erscheinen mag. Allerdings ...<\/p>","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":"","twitter_1821932287224696832_1821932287224696832":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_uag_custom_page_level_css":"","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 v27.4 (Yoast SEO v27.5) - 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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