{"id":3577,"date":"2022-09-05T20:28:00","date_gmt":"2022-09-05T18:28:00","guid":{"rendered":"https:\/\/vapa.ch\/?p=3577"},"modified":"2025-12-24T09:32:21","modified_gmt":"2025-12-24T08:32:21","slug":"die-wahl-zwischen-banken-und-unabhangigen-vermogensverwaltern","status":"publish","type":"post","link":"https:\/\/vapa.ch\/de\/choosing-between-banks-and-independent-wealth-managers\/","title":{"rendered":"Das Dilemma des verm\u00f6genden Kunden: Die Wahl zwischen Banken und unabh\u00e4ngigen Verm\u00f6gensverwaltern \ud83c\udfe6\ud83d\udcbc"},"content":{"rendered":"<p class=\"wp-block-paragraph\">F\u00fcr <a href=\"https:\/\/vapa.ch\/de\/sehr-vermogende-privatpersonen-uhnwi-vermogende-kunden\/\">verm\u00f6gende Kunden<\/a>Die Banken bieten wesentliche betriebliche Funktionen, darunter den Zugang zu verschiedenen <a href=\"https:\/\/vapa.ch\/de\/offene-architektur-bei-investitionen\/\">hauseigene Produkte<\/a> und Online-Banking. Wir \u00fcberwachen die Portfolios aktiv nach Anlageprofilen, um die \u00dcbereinstimmung mit unseren Anlagestrategien sicherzustellen.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Verm\u00f6gende Kunden streben oft eine Diversifizierung ihrer <a href=\"https:\/\/vapa.ch\/de\/swiss-independent-wealth-management-blog\/aktien-anleihen-kryptowahrungen-hedgefonds-commodities-vermogensverwaltung\/\">bankf\u00e4hige Verm\u00f6genswerte<\/a> \u00fcber <a href=\"https:\/\/vapa.ch\/de\/swiss-independent-wealth-management-blog\/depotbanken-fur-unabhangige-vermogensverwalter-fim-eam\/\">mehrere Banken<\/a>Sie folgen damit der Weisheit, nicht alles auf eine Karte zu setzen. Dieser Ansatz bringt jedoch logistische Herausforderungen mit sich. Der Umgang mit mehreren Bankern ohne einen konsolidierten \u00dcberblick \u00fcber die Verm\u00f6genswerte erh\u00f6ht das Risiko inkonsistenter Risikobewertungen, die nicht mit dem Anlageprofil \u00fcbereinstimmen. Au\u00dferdem m\u00fcssen <a href=\"https:\/\/vapa.ch\/de\/swiss-independent-wealth-management-blog\/vorteil-der-offenen-plattform-unabhangige-vermogensverwaltung\/multibanking-fur-hnwi-und-uhnwi\/\">mehrere Bankbeziehungen<\/a> kann dazu f\u00fchren, dass man von einem Institut nicht mehr als \"Schl\u00fcsselkunde\" angesehen wird, was m\u00f6glicherweise zu einem Wechsel in eine andere Abteilung oder zu einem anderen Kundenbetreuer f\u00fchrt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-wholesale-pricing-available-from-custodian-bank\">Gro\u00dfhandelspreise bei der Depotbank erh\u00e4ltlich<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Im Gegensatz dazu nimmt die Komplexit\u00e4t ab, wenn sie von einem unabh\u00e4ngigen Verm\u00f6gensverwalter betreut wird. Verm\u00f6gensverwaltungsgesellschaften f\u00fchren in der Regel mehrere Kundenkonten bei derselben f\u00fchrenden Privatbank, was den Verm\u00f6gensverwalter zu einer wichtigen Gegenpartei des Finanzinstituts macht. Dieser Status beinhaltet oft Vorzugsbedingungen <a href=\"https:\/\/vapa.ch\/de\/swiss-independent-wealth-management-blog\/vermogensverwalter\/gebuhrenvergleich-schweizer-privatbanken-unabhangige-vermogensverwalter\/\">Honorarbedingungen <\/a>und den Zugang f\u00fcr den Kunden zu nutzen.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Verm\u00f6gensverwalter k\u00f6nnen f\u00fcr ein und denselben Kunden Konten bei verschiedenen Banken er\u00f6ffnen und diese Portfolios mit Hilfe eines ausgekl\u00fcgelten <a href=\"https:\/\/vapa.ch\/de\/swiss-independent-wealth-management-blog\/vorteil-der-offenen-plattform-unabhangige-vermogensverwaltung\/multibanking-fur-hnwi-und-uhnwi\/\">Multibankensystem<\/a> mit Datenschnittstellen zum <a href=\"https:\/\/vapa.ch\/de\/\">depotf\u00fchrende Banken<\/a>. Dies erm\u00f6glicht eine konsolidierte Berichterstattung und eine \u00dcberwachung des Anlagerisikos. Dar\u00fcber hinaus k\u00f6nnen unabh\u00e4ngige Verm\u00f6gensverwalter konkurrierende Produkte verschiedener Banken ausw\u00e4hlen, um sicherzustellen, dass sie am besten zum Portfolio des Kunden passen, und sorgf\u00e4ltig bestimmte Privatbanken ausw\u00e4hlen, die bestimmte Bed\u00fcrfnisse erf\u00fcllen.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dieses Beispiel verdeutlicht, warum sich Kundenbetreuer und ihre verm\u00f6genden Kunden f\u00fcr unabh\u00e4ngige Verm\u00f6gensverwaltungsfirmen entscheiden. Um die Ausgangsfrage zu beantworten: Ein reicher Kunde braucht einen <a href=\"https:\/\/vapa.ch\/de\/komplexe-beziehung-zwischen-depotbanken-und-unabhangigen-vermogensverwaltern\/\">Bank f\u00fcr die Verwahrung von Wertpapieren<\/a> und die Ausf\u00fchrung von Transaktionen. Der pers\u00f6nliche Kundenbetreuer kann jedoch auch unabh\u00e4ngig sein und als '<a href=\"https:\/\/vapa.ch\/de\/swiss-independent-wealth-management-blog\/vorteil-der-offenen-plattform-unabhangige-vermogensverwaltung\/\">Quarterback<\/a>' f\u00fcr risikomindernde Multi-Bank-Verm\u00f6gensallokationen f\u00fcr verm\u00f6gende und sehr verm\u00f6gende Privatpersonen.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quelle: <a href=\"https:\/\/www.linkedin.com\/posts\/patrick-stauber-marcuard-heritage_portfolio-wealthmanagement-financialinstitution-activity-6844645496653406208-XlxX\/?utm_source=share&amp;utm_medium=member_desktop\" target=\"_blank\" rel=\"noreferrer noopener\">Linkedin<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/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\/3577?action=genpdf&#038;id=3577\" 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>F\u00fcr verm\u00f6gende Kunden bieten die Banken wesentliche operative Funktionen, einschlie\u00dflich des Zugangs zu verschiedenen hauseigenen Produkten und zum Online-Banking. Wir \u00fcberwachen aktiv die Portfolios entsprechend den Anlageprofilen, um die \u00dcbereinstimmung mit unseren Anlagestrategien zu gew\u00e4hrleisten. Verm\u00f6gende Kunden versuchen oft, ihr bankf\u00e4higes Verm\u00f6gen \u00fcber mehrere Banken zu streuen, da sie nicht alles auf eine Karte setzen wollen. Dieser Ansatz bringt jedoch logistische Herausforderungen mit sich. Der Umgang mit mehreren Banken ohne konsolidierte Verm\u00f6gens\u00fcbersicht erh\u00f6ht das Risiko inkonsistenter Risikobewertungen, die nicht mit dem Anlageprofil \u00fcbereinstimmen. Dar\u00fcber hinaus kann eine Beziehung zu mehreren Banken dazu f\u00fchren, dass man von einem Institut nicht mehr als \u2018Schl\u00fcsselkunde\u2019 angesehen wird, was m\u00f6glicherweise zu einem Wechsel zu einer anderen Abteilung oder einem anderen Kundenbetreuer f\u00fchrt. Im Gegensatz dazu nimmt die Komplexit\u00e4t ab, wenn sie von einem unabh\u00e4ngigen Verm\u00f6gensverwalter betreut wird. Verm\u00f6gensverwaltungsgesellschaften unterhalten in der Regel mehrere Kundenkonten bei derselben f\u00fchrenden Privatbank, was den Verm\u00f6gensverwalter zu einer wichtigen Gegenpartei des Finanzinstituts macht. Dieser Status beinhaltet h\u00e4ufig Vorzugsbedingungen f\u00fcr Geb\u00fchren und den Zugang zu Hebelwirkung f\u00fcr den Kunden. Verm\u00f6gensverwalter k\u00f6nnen f\u00fcr ein und denselben Kunden Konten bei verschiedenen Banken er\u00f6ffnen und diese Portfolios \u00fcber ein ausgekl\u00fcgeltes Multi-Banking-System mit Datenschnittstellen zur Depotbank \u00fcberwachen ...<\/p>","protected":false},"author":1,"featured_media":3578,"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":[89],"tags":[275,36,180,169,99,198,133,64,96],"class_list":["post-3577","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-industry-news","tag-2022-blogs-wealth-management","tag-banks","tag-custodian-bank","tag-holistic-wealth-management","tag-independent-wealth-management","tag-investment","tag-open-architecture","tag-private-banking","tag-reflection"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v27.8) - 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