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.

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.

Building wealth through mortgages

The potential role of borrowing in a financial plan

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Please visit the page below and read the Disclaimer that applies to this recording.

ll investment ideas in this section originate from entities outside the UBS Chief Investment Office GWM. These entities are not subject to the legal requirements pertaining to independence of financial analysis, so the investment ideas may not fully reflect the views of the UBS Chief Investment Office GWM. If you would like more information or full documentation on these products, please consult UBS Quotes or ask your client advisor.

Investment ideas are provided by UBS for information and marketing purposes only. They are not based on investment research and should not be construed as an offer, recommendation, or solicitation to buy or sell any financial instrument, or to enter into any transaction. Investment ideas do not constitute a form of investment advice. They do not take into account your investment objectives, your financial situation, or your specific needs. Before investing in a financial instrument, you should read the relevant product documents carefully and thoroughly, such as the prospectus, the Key Investor Information Document, and the term sheet. The terms and conditions of an investment, including product-specific risk warnings, are subject exclusively to the detailed provisions of the product documents, which are available at UBS Quotes or can be requested from your client advisor.

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