{"id":3577,"date":"2022-09-05T20:28:00","date_gmt":"2022-09-05T18:28:00","guid":{"rendered":"https:\/\/vapa.ch\/?p=3577"},"modified":"2026-08-12T11:08:59","modified_gmt":"2026-08-12T09:08:59","slug":"choosing-between-banks-and-independent-wealth-managers","status":"publish","type":"post","link":"https:\/\/vapa.ch\/de\/die-wahl-zwischen-banken-und-unabhangigen-vermogensverwaltern\/","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>\u00a0bieten Banken wesentliche operative Funktionen, darunter den Zugang zu verschiedenen <a href=\"https:\/\/vapa.ch\/de\/offene-architektur-bei-investitionen\/\">hauseigenen Produkten<\/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>, getreu der Weisheit, nicht alles auf eine Karte zu setzen. Dieser Ansatz bringt allerdings logistische Herausforderungen mit sich. Der Umgang mit mehreren Bankern ohne konsolidierte Verm\u00f6gens\u00fcbersicht erh\u00f6ht das Risiko widerspr\u00fcchlicher Risikoeinsch\u00e4tzungen, die nicht zum Anlageprofil passen. Zudem kann <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 \u201eSchl\u00fcsselkunde\u201c 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\">Grosshandelspreise 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\/\">Depotbanken<\/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 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\/3577?action=genpdf&amp;id=3577\" 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>For wealthy clients, banks offer essential operational functions, including access to various in-house products and online banking. We actively monitor portfolios according to investment profiles to ensure alignment with our investment strategies. Wealthy clients often seek to diversify their bankable assets across multiple banks, adhering to the wisdom of not putting all their eggs in [&hellip;]<\/p>\n","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":""},"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 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