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Asset accumulation
Do you prefer to hand over responsibility when investing and rely on the experience of specialists? Or do you like making your own investment decisions? Discover the most important facts about asset management and investment advice here.
Whether you are just starting to invest, want to optimize your investment strategy or already have a large portfolio – the choice between asset management and investment advice depends a great deal on your personal situation, your knowledge and goals, and the time you have available.
Asset management means that you instruct your bank to manage your assets. Depending on your investment goals, your investor profile and your preferences, the bank will work with you to determine the strategy and solution that are right for you.
As part of asset management, your bank takes full responsibility for investment decisions. With this service, you delegate every part of investing, from portfolio analysis and risk management through to portfolio optimization, to your financial service provider.
The experts take the entire burden off your shoulders and relieve you of all aspects of investment.
Asset management is like a cab ride – you hand over the wheel to a professional. Investment advice, on the other hand, is like driving with a navigation system – you’re at the wheel, and we plan the route together.
Anyone acting as an asset manager on a professional basis requires a license from the Swiss Financial Market Supervisory Authority (FINMA). Various financial, personnel and organizational requirements set out by FINMA must be met to obtain a license.
Your asset manager can draw on their know-how and experience to respond to short, medium and long-term market fluctuations. Your assets are managed in accordance with the agreed strategy. This allows you to focus on other things that are important to you while you let your capital work for you.
As a client who has entrusted their asset management to a professional, you can rest assured that your assets are regularly reviewed so that your investments are always in line with the agreed strategy.
Investors want their money to be invested in such a way that it increases in value. You can follow its development by checking the “performance,” i.e., the change in value over a certain period of time. This is also known as return on investment. It is calculated annually and expressed as a percentage.
However, performance alone does not take risk factors into account. How is performance assessed? Your asset manager measures investment performance on the basis of benchmarks (standards of comparison) and applies recognized financial mathematical standards, taking into account various risk parameters. The assessment of the invested assets therefore not only depends on how much profit is generated, but also on the extent to which fluctuations are accepted.
Your advisor works with you to determine what is important to you when investing and which strategy suits you best. With UBS Manage, you benefit from the full spectrum of UBS investment capabilities. A global team of experts applies a disciplined investment process and makes sure that your instructions are followed for all the assets in your portfolio. Continuous monitoring also makes it possible to invest on a regular or staggered basis, for example with an investment plan – without altering the balance of the portfolio.
If you opt for investment advice, you decide for yourself how to invest your assets, while your bank offers you advice.
Investment advice can also be provided by financial service providers or by private financial advisors, for instance.
Your client advisor will be at your side to guide you throughout the entire investment process – from defining your investment strategy and making investment suggestions through to implementing and monitoring your securities portfolio. Examples of the typical services provided include access to market analyses and research reports, and individual advice on complex investment decisions.
Investment advice will meet your expectations if you already have experience of investing money, enjoy following the financial markets and are interested in investment topics, and want to be active and take responsibility for your own individual investments.
If you are an experienced investor looking for specific investment opportunities, investment advice will help you to make well-informed investment decisions.
The advantage of investment advice lies in its flexibility: you can make investment decisions at any time at your own discretion. As you do so, you can benefit from the professional support of your asset manager, who will also regularly review your investments. In short: you decide, and the bank supports you.
With UBS Advice, you make your own investment decisions, but at the same time you have access to professional advice and portfolio reviews by UBS experts.
You can also take advantage of industry-leading investment research and choose from a wide range of UBS investment funds and selected third-party funds. This allows you to build up your portfolio according to your needs.
Whether asset management or investment advice is right for you depends largely on the amount of time you have available, your investment knowledge and your interest in financial topics. This summary of key characteristics will help you to make the right choice:
Asset management
You rely on the expertise of financial experts and benefit from ongoing, carefully thought-out management of your assets.Every investment decision is based on comprehensive analyses and corresponds to the strategy agreed with you. When you hand over responsibility for your investment decisions, you also give up any influence on your investment activities. You will however be constantly informed about your investments – your specialist will keep you up to date with transparent reports. Asset management therefore offers you comprehensive professional support.
Investment advice
Personal responsibility and a high degree of flexibility are important to you. You want to invest in equities, bonds, investment funds and other securities yourself. You enjoy analyzing financial information on an ongoing basis and like deriving investment decisions from this data. By choosing investment advice, you take all these aspects into your own hands, but with the support of the bank.
Asset management means that your bank manages your investment assets according to a mutually agreed strategy. You hand over responsibility and benefit from the expertise and investment knowledge of specialists. As a result, you have no influence on individual investment decisions, but you can be sure that your invested capital is in professional hands.
If you would like to manage your assets yourself, investment advice is ideal. Again, you can rely on support from your bank. However, you can make decisions more independently and keep a close eye on changes in the value of your assets. A consultation with a financial expert can help you to find out which option is right for you.
Arrange an appointment for a nonbinding consultation, or if you have any questions, just give us a call.
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