{"id":5704,"date":"2024-05-16T07:08:00","date_gmt":"2024-05-16T05:08:00","guid":{"rendered":"https:\/\/vapa.ch\/?p=5704"},"modified":"2026-10-16T19:52:55","modified_gmt":"2026-10-16T17:52:55","slug":"pricing-of-advisory-vs-discretionary-wealth-management-services","status":"publish","type":"post","link":"https:\/\/vapa.ch\/de\/preisgestaltung-von-beratungsdienstleistungen-im-vergleich-zu-vermogensverwaltungsdienstleistungen-mit-verwaltungsvollmacht\/","title":{"rendered":"Beratungsgeb\u00fchren vs. diskretion\u00e4re Verm\u00f6gensverwaltungsgeb\u00fchren in der Schweiz \ud83d\udcc8"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">In Swiss wealth management, one of the first questions is simple: how much do advisory and <a href=\"https:\/\/vapa.ch\/discretionary-investment-mandate-explained\/\">discretionary mandates<\/a> 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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\"><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 class=\"wp-block-paragraph\"><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 class=\"wp-block-paragraph\">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=\"https:\/\/vapa.ch\/discretionary-vs-advisory-investment-private-banking\/\">Discretionary vs Advisory: Complete Service Comparison (Switzerland)<\/a>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/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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Advisory Pricing (What You Get and What You Pay) Advisory wealth management focuses on providing [&hellip;]<\/p>\n","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":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[88],"tags":[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-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 v28.7 (Yoast SEO v28.7) - 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