{"id":5704,"date":"2024-05-16T07:08:00","date_gmt":"2024-05-16T05:08:00","guid":{"rendered":"https:\/\/vapa.ch\/?p=5704"},"modified":"2025-10-03T06:37:20","modified_gmt":"2025-10-03T04:37:20","slug":"preisgestaltung-von-beratungsdienstleistungen-im-vergleich-zu-vermogensverwaltungsdienstleistungen-mit-verwaltungsvollmacht","status":"publish","type":"post","link":"https:\/\/vapa.ch\/de\/pricing-of-advisory-vs-discretionary-wealth-management-services\/","title":{"rendered":"Beratungsgeb\u00fchren vs. diskretion\u00e4re Verm\u00f6gensverwaltungsgeb\u00fchren in der Schweiz \ud83d\udcc8"},"content":{"rendered":"\n<p>In Swiss wealth management, one of the first questions is simple: how much do advisory and discretionary mandates actually cost? This guide explains the real fee drivers, shows transparent CHF examples, and helps you decide which model fits your priorities.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-advisory-pricing-what-you-get-and-what-you-pay\">Advisory Pricing (What You Get and What You Pay)<\/h2>\n\n\n\n<p>Advisory wealth management focuses on providing professional advice, conducting thorough research, and offering personalised portfolio guidance. You approve each transaction, retaining control over execution.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Typical management fee:<\/strong> ~0.25%\u20130.75% p.a. of assets under management (AUM).<\/li>\n\n\n\n<li><strong>Execution:<\/strong> You approve trades; execution costs often stay lower.<\/li>\n\n\n\n<li><strong>When it fits:<\/strong> Cost-conscious investors who want expert input and full say over transactions.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-chf-examples-advisory\">CHF Examples (Advisory)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CHF 2m at 0.50% p.a. \u2192 <strong>CHF 10\u2019000<\/strong> per year (ex-custody &amp; transactions).<\/li>\n\n\n\n<li>CHF 5m at 0.75% p.a. \u2192 <strong>CHF 37\u2019500<\/strong> per year.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-discretionary-pricing-what-you-get-and-what-you-pay\">Discretionary Pricing (What You Get and What You Pay)<\/h2>\n\n\n\n<p>With a discretionary mandate, the manager implements decisions on your behalf\u2014useful for speed, discipline, and reduced decision-making friction.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Typical management fee:<\/strong> ~0.50%\u20131.50% p.a. of AUM.<\/li>\n\n\n\n<li><strong>Responsibility:<\/strong> Higher; portfolio adjustments are made proactively.<\/li>\n\n\n\n<li><strong>When it fits:<\/strong> Time-poor investors who value timely execution and a consistent strategy.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-chf-examples-discretionary\">CHF Examples (Discretionary)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CHF 2m at 1.00% p.a. \u2192 <strong>CHF 20\u2019000<\/strong> per year (plus custody &amp; transactions).<\/li>\n\n\n\n<li>CHF 5m at 0.80% p.a. \u2192 <strong>CHF 40\u2019000<\/strong> per year.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-hidden-costs-and-transparency-what-price-tags-miss\">Hidden Costs and Transparency (What Price Tags Miss)<\/h2>\n\n\n\n<p>Headline fees rarely tell the full story. Depending on your custodian and platform, you may also encounter:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Custody fees:<\/strong> commonly ~0.10%\u20130.35% p.a. (sometimes tiered or minimums apply).<\/li>\n\n\n\n<li><strong>Transaction fees:<\/strong> per-ticket charges or bps-based; can differ across asset classes.<\/li>\n\n\n\n<li><strong>FX spreads:<\/strong> implicit costs on currency conversions and non-CHF assets.<\/li>\n\n\n\n<li><strong>Fund\/ETF costs:<\/strong> product-level TER\/OCF charged inside the instrument.<\/li>\n<\/ul>\n\n\n\n<p>Independent wealth managers in Switzerland typically disclose these items line by line. Transparent itemisation helps you benchmark the true \u201call-in\u201d cost.<\/p>\n\n\n\n<p>Want to benchmark quickly? Try our simple<a href=\"https:\/\/vapa.ch\/fee-simulation-between-private-bank-and-independent-wealth-manager\/\"> advisory vs. discretionary\u00a0fee calculator<\/a>\u00a0and read our\u00a0<a href=\"\" target=\"_blank\">custodian bank selection guide<\/a>\u00a0to understand the drivers of custody.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-advisory-vs-discretionary-fee-comparison\">Advisory vs Discretionary: Fee Comparison<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Cost Element<\/th><th>Advisory Mandate<\/th><th>Discretionary Mandate<\/th><\/tr><\/thead><tbody><tr><td><strong>Management fee<\/strong><\/td><td>~0.25%\u20130.75% p.a.<\/td><td>~0.50%\u20131.50% p.a.<\/td><\/tr><tr><td><strong>Decision authority<\/strong><\/td><td>Client approves all trades<\/td><td>Manager implements decisions<\/td><\/tr><tr><td><strong>Custody &amp; transactions<\/strong><\/td><td>Often lower<\/td><td>Often higher (depends on activity)<\/td><\/tr><tr><td><strong>Transparency<\/strong><\/td><td>High (provider-dependent)<\/td><td>High if itemised; varies by provider<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><small>Ranges are indicative. Your all-in cost depends on mandate size, asset mix, trading frequency, and custodian terms.<\/small><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-fee-structure-is-better\">Which Fee Structure Is Better?<\/h2>\n\n\n\n<p><strong>It depends on your priorities.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Lower headline fee &amp; full control:<\/strong> Advisory tends to win.<\/li>\n\n\n\n<li><strong>Convenience, speed &amp; discipline:<\/strong> Discretionary can justify the higher fee.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-hybrid-approach-often-best-of-both\">The Hybrid Approach (Often Best of Both)<\/h2>\n\n\n\n<p>Many HNWI\/UHNWI investors combine both models: a discretionary <em>core<\/em> for efficiency and an advisory <em>satellite<\/em> for specialised ideas (private markets, thematic allocations, or opportunistic trades). This can improve flexibility and keep costs aligned with where you need active drive versus optionality.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-assess-and-negotiate-fees\">How to Assess and Negotiate Fees<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Ask for itemisation:<\/strong> Management, custody, transactions, FX, and product costs listed separately.<\/li>\n\n\n\n<li><strong>Request tiering:<\/strong> Larger AUM tiers should be accompanied by lower marginal bps.<\/li>\n\n\n\n<li><strong>Match service to price:<\/strong> Reporting, access, research, and response times should reflect the fee.<\/li>\n\n\n\n<li><strong>Benchmark custodians:<\/strong> Execution quality and operational service matter as much as raw price \u2014 see our <a href=\"\/key-factors-in-selecting-a-custodian-bank\/\">custodian guide<\/a>.<\/li>\n\n\n\n<li><strong>Cross-border nuance:<\/strong> Requirements can affect cost and process; read our <a href=\"\/smart-cross-border-wealth-management\/\">cross-border wealth management guide<\/a>.<\/li>\n<\/ol>\n\n\n\n<div style=\"border:1px solid #e5e7eb; padding:16px; border-radius:8px; margin:24px 0;\">\n  <strong>Go deeper:<\/strong> Fees are only one dimension. For governance, risk, performance process, and suitability, read the full guide:\n  <br>\n  <a href=\"\/discretionary-vs-advisory-investment\/\">Discretionary vs Advisory: Complete Service Comparison (Switzerland)<\/a>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\">FAQs<\/h2>\n\n\n\n<div class=\"faq\">\n  <h3>What are typical advisory fees in Switzerland?<\/h3>\n  <p>Advisory management fees commonly range from ~0.25% to 0.75% p.a. of AUM, excluding custody, transaction, and product costs.<\/p>\n\n  <h3>What is usually included in discretionary fees?<\/h3>\n  <p>The discretionary fee covers portfolio management and decision-making. You will typically still pay custody, transactions, FX, and product-level costs.<\/p>\n\n  <h3>Are custody fees always extra?<\/h3>\n  <p>In most set-ups, yes. Custody is charged by the custodian bank (often ~0.10%\u20130.35% p.a., sometimes with minimums or tiers).<\/p>\n\n  <h3>Is a hybrid mandate common?<\/h3>\n  <p>Yes. Many clients use a discretionary core for efficiency and an advisory satellite for specialised ideas.<\/p>\n\n  <h3>How do I negotiate fees?<\/h3>\n  <p>Request itemised quotes, ask for tiered pricing on higher AUM, and benchmark execution and service quality across custodians.<\/p>\n\n  <h3>Which model is better for cross-border situations?<\/h3>\n  <p>It depends on your residency, booking centre, and regulatory constraints. Costs and processes can vary\u2014see our cross-border guide for details.<\/p>\n<\/div>\n\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What are typical advisory fees in Switzerland?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Advisory management fees commonly range from ~0.25% to 0.75% per year of AUM, excluding custody, transaction, FX and product-level costs.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is usually included in discretionary fees?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The discretionary fee covers portfolio management and decision-making. 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Many clients use a discretionary core for efficiency and an advisory satellite for specialised ideas.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How do I negotiate fees?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Request itemised quotes, ask for tiered pricing on higher AUM, and benchmark execution and service quality across custodians.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Which model is better for cross-border situations?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"It depends on your residency, booking centre, and regulatory constraints. Costs and processes can vary\u2014consult a cross-border wealth management specialist.\"\n      }\n    }\n  ]\n}\n<\/script>\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\/5704?action=genpdf&#038;id=5704\" 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=\"Generate PDF\" style=\"--pgfw-icon-width:25px;--pgfw-icon-height:45px;\" target=\"_blank\" aria-label=\"Generate PDF\"><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>In der Schweizer Verm\u00f6gensverwaltung ist eine der ersten Fragen ganz einfach: Wie viel kosten Beratungs- und Verm\u00f6gensverwaltungsmandate tats\u00e4chlich? Dieser Leitfaden erkl\u00e4rt die tats\u00e4chlichen Geb\u00fchrentreiber, zeigt transparente CHF-Beispiele und hilft Ihnen zu entscheiden, welches Modell Ihren Priorit\u00e4ten entspricht. Die beratende Verm\u00f6gensverwaltung konzentriert sich auf die professionelle Beratung, die Durchf\u00fchrung gr\u00fcndlicher Recherchen und die individuelle Betreuung des Portfolios. Sie genehmigen jede Transaktion und behalten die Kontrolle \u00fcber die Ausf\u00fchrung. CHF Beispiele (Advisory) Discretionary Pricing (What You Get and What You Pay) Bei einem diskretion\u00e4ren Mandat setzt der Verm\u00f6gensverwalter die Entscheidungen in Ihrem Namen um, was f\u00fcr Schnelligkeit, Disziplin und geringere Reibungsverluste bei der Entscheidungsfindung von Vorteil ist. CHF-Beispiele (diskretion\u00e4r) Versteckte Kosten und Transparenz (Was Preisschilder verpassen) Die Headline-Geb\u00fchren erz\u00e4hlen selten die ganze Geschichte. Je nach Depotbank und Plattform k\u00f6nnen Sie auch auf versteckte Kosten sto\u00dfen: Unabh\u00e4ngige Verm\u00f6gensverwalter in der Schweiz legen diese Posten in der Regel Zeile f\u00fcr Zeile offen. Eine transparente Aufschl\u00fcsselung hilft Ihnen, die wahren \"All-in\"-Kosten zu ermitteln. M\u00f6chten Sie einen schnellen Vergleich durchf\u00fchren? Testen Sie unseren einfachen Rechner f\u00fcr Beratungs- und Verwaltungsgeb\u00fchren und lesen Sie unseren Leitfaden f\u00fcr die Auswahl der Depotbank, um die Faktoren zu verstehen, die bei der Verwahrung eine Rolle spielen. Beratung vs. diskretion\u00e4r: Geb\u00fchrenvergleich Kostenelement Beratungsmandat Ermessensmandat Verwaltungsgeb\u00fchr ~0,25%-0,75% p.a. ~0,50%-1,50% p.a. Entscheidungsbefugnis Kunde genehmigt alle Gesch\u00e4fte Manager setzt Entscheidungen um Verwahrung ...<\/p>","protected":false},"author":1,"featured_media":5705,"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":[88],"tags":[272,213,228,230,227,141,46,236,42],"class_list":["post-5704","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","tag-2024-blogs-wealth-management","tag-absolute-return","tag-client-first","tag-client-relationship","tag-credibility","tag-fees","tag-financial-advisor","tag-growth-strategy","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>Advisory vs Discretionary Fees | independent wealth management<\/title>\n<meta name=\"description\" content=\"Compare advisory vs discretionary fees in Swiss wealth management. 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