04Sep2025

Revolutionising Wealth Management: The Case for a Shared Economy in Investment Know-how

Disclaimer: The views and opinions expressed in the vapa Swiss independent wealth management blog are solely my own and do not reflect those of any institutions or organisations with which I am affiliated. These posts are intended to share personal insights and should not be interpreted as official statements.

Innovative approach in wealth management depicting the integration of shared economy principles in investment strategies.

Covering non-traditional investment themes like direct lending and alternative investments requires significant effort for small banks and independent wealth managers. It involves research specialists filtering the investment universe, performing on-site due diligence, and selecting the appropriate investment managers. These steps increase headcount and operational costs without directly boosting the financial institution’s income.

An HNWI/UHNWI client of a financial institution remains a client either because they appreciate the private bank’s iconic brand or because of the relationship manager. This client loyalty could pave the way for a shared economy in the pricey investment know-how sector. For example, with Uber, both the company and the driver earn something when transporting clients, and both are part of the same platform. This economic opportunity exists in our industry as well. Both parties could lower costs and increase revenue by sharing investment knowledge and platform resources.

Covering non-traditional investment themes like direct lending and alternative investments requires significant effort for small banks and independent wealth managers. It involves research specialists filtering the investment universe, performing on-site due diligence, and selecting the appropriate investment managers. These steps increase headcount and operational costs without directly boosting the financial institution’s income. ๐Ÿ’ผ๐Ÿ’ก

An HNWI/UHNWI client of a financial institution remains a client either because they appreciate the private bank’s iconic brand or because of the relationship manager. This client loyalty could pave the way for a shared economy in the pricey investment know-how sector. For example, with Uber, both the company and the driver earn something when transporting clients, and both are part of the same platform. This economic opportunity exists in our industry as well. Both parties could lower costs and increase revenue by sharing investment knowledge and platform resources. ๐Ÿ’ธ๐Ÿš€

Additionally, this collaborative approach fosters innovation and efficiency. By pooling resources, small banks and wealth managers can compete with larger institutions, offering bespoke services and leveraging shared expertise. Ultimately, this model benefits clients by providing diverse, high-quality investment options while maintaining personalised service. ๐ŸŒŸ๐Ÿ“ˆ

Source: LinkedIn (SEO adjusted)

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Beyond the Bank โ€“ A Private Bankerโ€™s Path to Independence

Discover how todayโ€™s private bankers can break free from traditional institutions and build truly independent client relationships. This guide shares the strategies, challenges, and opportunities behind a successful move into independent wealth management.

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