Wealth management

OLZ wealth management mandate: in the interests of the client

No conflicts of interest

We advise you without conflicts of interest. Since OLZ was established, all retrocessions (eg custodian bank reimbursements) have been disclosed and fully credited to the client. OLZ is paid exclusively by the client and independent of their investment strategy. These are prerequisites for wealth management free of false incentives.

Tailored investment strategy

OLZ draws up an investment proposal which is based on a personal risk profile analysis (with optional detailed financial planning). We place great value on comprehensive clarification of value fluctuation and loss risks. We only invest in assets which actually contribute to diversification. We do not speculate on the stock market and we avoid non-transparent investment products. You benefit from a sound, individual investment strategy, and can experience the development of your assets at a low level of stress.

Scientifically sound investment concept

Based on findings in financial market research, OLZ has developed a sound methodology for structuring equity and bonds portfolios. OLZ focuses on assets with low fluctuation risks and optimises their weighting. Systematic portfolio optimisation significantly reduces value fluctuation and loss risk. At the same time, the client benefits from above-average returns which are based on scientifically proven excess return from equities with low risk.

Minimal costs

OLZ clients benefit from fair wealth management fees and attractive special terms with selected custodian banks. OLZ’s compensation in their funds is offset against the wealth management fee so that no double charging occurs. The implementation of portfolios is carried out partly with institutional funds, which are exempt from stamp duties. OLZ funds have no issuing commissions or redemption fees.

FAQs

How do I become an OLZ client?

We schedule an initial, non-binding appointment where you learn more about OLZ. If you wish, we gather the necessary information and work out an OLZ investment proposal. In a second meeting we discuss our investment proposal with you. You decide whether you want to issue a wealth management mandate to OLZ. You choose the custodian bank (eg, your house bank). We draw up the mandate contract between you and OLZ and take care of the formalities with the chosen custodian bank.

Where is my money located and in whose name?

Your assets are located at the custodian bank of your choice and in your name. OLZ only collaborates with renowned custodian banks. You give OLZ limited authorisation to manage the assets according to the mandate contract. Within the bounds of its limited authorisation, OLZ cannot make deposits or withdrawals outside the account/custodian relationship.

How safe is OLZ as an asset manager?

Since 2007, OLZ has been supervised by the Swiss Financial Market Supervisory Authority FINMA and is audited by PricewaterhouseCoopers AG (PwC). OLZ is owned by its partners and board members, thus ensuring stability and continuity. We place great value on making sure that you receive and understand the relevant information transparently and comprehensively. We discuss the portfolio with you in periodic personal review meetings and explain what we are doing and why.

How are retrocessions handled?

Since OLZ was founded in 2001, any retrocessions (eg discounts from the custodian bank on brokerage and custodian fees) have been transparently accounted and fully credited to the clients.

How is my money invested?

After defining the investment strategy with you, we distribute the risk over equities and bonds in the best possible way (efficiently diversified). We choose a combination of equities and bonds that minimises risk and compensates you optimally in the long term for incurred risk. We use OLZ funds to ensure that your strategy can be implemented efficiently and cost effectively.

Why does OLZ not have performance fees?

Performance fees are always one-sided and can lead to conflicts of interest: speculating with your money and incurring undue risk gives an asset manager the opportunity to make more money. If it goes well, you pay higher fees; if it goes badly, the asset manager pays you nothing. Client and asset manager interests are therefore not the same, even thouth this is often suggested.