Building portfolios for resilience and growth in 2026

As Swiss investors look toward 2026, markets remain full of open questions. With income opportunities scarce, technology valuations under scrutiny, and regional prospects shifting, the key questions are clear: Where can reliable returns still be found in a low-rate environment? Is the excitement around AI still justified? And is Europe poised for a genuine revival?

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James Mazeau

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Fabian Deriaz

Global Equity Strategist

Moderator: Belinda Peeters

Investment Communications Strategist

In today’s low-interest rate environment, borrowing can be a valuable part of a well-structured financial strategy. Whether you are considering a mortgage for real estate or a loan secured by your financial assets, reviewing your borrowing capacity may help you make the most of current market conditions.

Borrowing against real estate

For homeowners, a large share of wealth may be concentrated in property, which can limit diversification and overall investment performance. By keeping or increasing your mortgage, you can free up liquidity to invest in a diversified portfolio—helping to improve your risk-return profile and support long-term wealth growth.

Building wealth through mortgages

Borrowing against an investment portfolio

Borrowing is sometimes viewed as a sign of overextending, but when incorporated into a prudent financial plan, it can offer additional opportunities. Appropriate borrowing strategies may help reduce tax burdens, enhance portfolio returns, and improve diversification—while still managing associated costs and risks.

The potential role of borrowing in a financial plan

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