{"id":3556,"date":"2022-01-05T15:46:00","date_gmt":"2022-01-05T14:46:00","guid":{"rendered":"https:\/\/vapa.ch\/?p=3556"},"modified":"2025-01-03T06:42:29","modified_gmt":"2025-01-03T05:42:29","slug":"das-geheimnis-des-beleihungswerts-luften","status":"publish","type":"post","link":"https:\/\/vapa.ch\/de\/unlocking-the-mystery-of-loan-to-value\/","title":{"rendered":"Das Geheimnis des Loan-to-Value entschl\u00fcsseln \ud83d\udcc8\ud83d\udca1"},"content":{"rendered":"<p>Loan-to-Value, kurz LTV, ist in unserer Branche nach wie vor ein Mythos. Die Methodik ist in vielen F\u00e4llen schwer zu verstehen.<br><br>Es ist verst\u00e4ndlich, dass der LTV in der Vergangenheit anhand einer Anlageklasse definiert wurde, da die Computerleistung f\u00fcr mehr nicht ausreichte. Heute sind die Systeme ausgefeilter, und es werden Faktoren wie der Handelsmarkt, das Volumen oder der R\u00fccknahmepreis der Mittel und der \u00fcbliche Zeitrahmen f\u00fcr die Gutschrift des Geldes auf dem Konto ber\u00fccksichtigt.<br><br>Infolgedessen erhalten Blue-Chip-Aktien mit h\u00f6herem Abw\u00e4rtsrisiko oft einen h\u00f6heren Loan-to-Value als konservative <a href=\"https:\/\/vapa.ch\/de\/gebuhren-fur-investmentfonds\/\">Investmentfonds<\/a>die w\u00e4hrend der Turbulenzen auf dem COVID-19-Markt stabil geblieben sind. Dar\u00fcber hinaus stellt man als Kunde fest, dass bankeigene Produkte einen h\u00f6heren Wert erhalten als externe Produktanbieter.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-loan-to-value-calculation\">Loan-to-Value-Berechnung<\/h2>\n\n\n\n<p>Begr\u00fcndet wird dies damit, dass die \u00dcberwachung von Positionen innerhalb des Unternehmens <a href=\"https:\/\/vapa.ch\/de\/gebuhren-fur-investmentfonds\/\">Investmentfonds<\/a> beeinflusst die Berechnung des Beleihungswerts kaum. Das Risiko bei der Zuordnung des Beleihungswerts liegt in der potenziellen maximalen Inanspruchnahme, dem R\u00fccknahmeschluss und der K\u00fcndigungsfrist f\u00fcr Investmentfonds. Es ist wichtig zu beachten, dass die Bank <a href=\"https:\/\/vapa.ch\/de\/swiss-independent-wealth-management-blog\/aktien-anleihen-kryptowahrungen-hedgefonds-commodities-vermogensverwaltung\/\">Investmentfonds<\/a> die M\u00f6glichkeit der R\u00fccknahme genutzt haben.<\/p>\n\n\n\n<p>Heute sollte die Rechenleistung <a href=\"https:\/\/vapa.ch\/de\/vom-sonnenschutzmittel-bis-zur-tabellenkalkulation\/\">effizient auswerten<\/a> und gewichten Standardparameter, einschlie\u00dflich historischer Marktdaten. Diese F\u00e4higkeit kann helfen <a href=\"https:\/\/vapa.ch\/de\/wenn-absolute-rendite-absolut-richtig-ist\/\">konservative Anlageprodukte<\/a> von Nicht-Banken-Fondsmanagern einen Loan-to-Value erreichen, der sich an <a href=\"https:\/\/vapa.ch\/de\/bilanzen-in-der-vermogensverwaltung-und-im-bankwesen\/\">moderne Parameter f\u00fcr das Risikomanagement<\/a>.<\/p>\n\n\n\n<p>Quelle: <a href=\"https:\/\/www.linkedin.com\/posts\/patrick-stauber-marcuard-heritage_ltv-bluechip-mutualfunds-activity-6877542797377880064-s2rG?utm_source=share&amp;utm_medium=member_desktop\" target=\"_blank\" rel=\"noreferrer noopener\">LinkedIn<\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n<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\/3556?action=genpdf&#038;id=3556\" 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=\"PDF generieren\" style=\"--pgfw-icon-width:25px;--pgfw-icon-height:45px;\" target=\"_blank\" aria-label=\"PDF generieren\"><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>Loan-to-Value, kurz LTV, ist in unserer Branche nach wie vor ein Mythos. Die Methodik ist in vielen F\u00e4llen schwer zu verstehen. In der Vergangenheit wurde der LTV verst\u00e4ndlicherweise anhand einer Anlageklasse definiert, da die Computerleistung f\u00fcr mehr nicht ausreichte. Heute sind die Systeme ausgefeilter, und es werden Faktoren wie der Handelsmarkt, das Volumen oder der R\u00fccknahmepreis von Fonds und der \u00fcbliche Zeitrahmen f\u00fcr die Gutschrift des Geldes auf dem Konto ber\u00fccksichtigt. Infolgedessen erhalten Blue-Chip-Aktien mit h\u00f6herem Abw\u00e4rtsrisiko oft einen h\u00f6heren Loan-to-Value als konservative Investmentfonds, die sich w\u00e4hrend der Turbulenzen an den COVID-19-M\u00e4rkten als stabil erwiesen haben. Au\u00dferdem stellt man als Kunde fest, dass bankeigene Produkte einen h\u00f6heren Wert erhalten als externe Produktanbieter. Loan-to-Value-Berechnung Die Begr\u00fcndung ist, dass die \u00dcberwachung der Positionen innerhalb der bankeigenen Investmentfonds die Loan-to-Value-Berechnung kaum beeinflusst. Das Risiko bei der Zuordnung des LTV liegt in der m\u00f6glichen maximalen Inanspruchnahme, dem R\u00fccknahmetor und der K\u00fcndigungsfrist f\u00fcr Investmentfonds. Es ist wichtig zu wissen, dass die Investmentfonds der Banken die Option der R\u00fccknahmefrist genutzt haben. Heutzutage sollte die Rechenleistung Standardparameter, einschlie\u00dflich historischer Marktdaten, effizient auswerten und gewichten. Diese F\u00e4higkeit kann konservativen Anlageprodukten von Fondsmanagern, die keine Banken sind, zu einem Loan-to-Value verhelfen, der ...<\/p>","protected":false},"author":1,"featured_media":3557,"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","_uag_custom_page_level_css":"","footnotes":""},"categories":[93],"tags":[275,184,185,108,42],"class_list":["post-3556","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-regulations","tag-2022-blogs-wealth-management","tag-investment-management","tag-operations","tag-risk-management","tag-wealth-management"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Mystery of Loan-to-Value | independent wealth management<\/title>\n<meta name=\"description\" content=\"Unlocking the Mystery of Loan-to-Value. 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