Most wealth management firms start with the portfolio. Caveo Wealth starts with your financial plan. It determines how much liquidity you need, when capital will be due, and how much risk you can bear. Only then is the strategy developed.
CHF 300'000 invested in Swiss stocks at the end of 1985. Those who remained invested through all the crises had approximately CHF 5.95 million by the end of 2025. Those who exited after every year of heavy losses and waited a year had approximately CHF 4.23 million. That’s CHF 1.72 million less, with the same investments.
In millions of CHF, logarithmic scale
| End of year | Sold in crises | Remained invested |
|---|---|---|
| 1985 | CHF 300'000 | CHF 300'000 |
| 1987 | CHF 240'000 | CHF 240'000 |
| 1990 | CHF 240'000 | CHF 290'000 |
| 1995 | CHF 480'000 | CHF 690'000 |
| 2000 | CHF 1'260'000 | CHF 1'840'000 |
| 2002 | CHF 980'000 | CHF 1'060'000 |
| 2008 | CHF 1'390'000 | CHF 1'490'000 |
| 2015 | CHF 2'240'000 | CHF 2'970'000 |
| 2022 | CHF 3'380'000 | CHF 4'480'000 |
| 2025 | CHF 4'230'000 | CHF 5'950'000 |
Vanguard estimates the potential added value of good advice at up to 3% per year. Most of it comes down to behavior: don't sell during a crisis, because the plan shows that you won't need the money for years.
Caveo Wealth leverages all four areas. To put 3% per year into perspective: CHF 300'000 will grow to approximately CHF 446'000 in 20 years at a 2% return, and to approximately CHF 796'000 at a 5% return. That’s a difference of CHF 350'000. This is a simple compound interest calculation based on Vanguard’s upper limit—it is not a forecast or a promise.
The added value does not accrue evenly, but rather primarily in specific years, and depends on your individual situation. The studies were conducted in the United Kingdom and the United States. There is no guarantee of future returns.
Vanguard, “Quantifying Adviser’s Alpha,” 2025. In addition Morningstar, “Alpha, Beta, and Now… Gamma”: Better financial planning decisions can increase retirement income by about 29%.
Two examples, the same method, two different portfolios.
Accounts and money market: 100 % Liquidity
Defensive strategy: 55 % Bonds, 20 % Shares, 10 % Real estate, 10 % Liquidity, 5 % Gold and commodities
Growth strategy: 60 % Shares, 15 % Private-market loans, 10 % Bonds, 10 % Real estate, 5 % Gold and commodities
Derived from the plan, not from a risk tolerance questionnaire.
Sample figures. Your financial plan determines which amounts belong in which phase. The strategies are managed by the investment manager you choose. Private-market investments are only partially tradable and are therefore included exclusively in the long-term phase.
Do you have assets with another provider? In the financial plan, we’ll check whether they can implement your plan and show you where it works and where it doesn’t.
You pay for the management of your assets. You either pay an additional fee for planning and guidance, or you choose not to have those services.
You pay the same administrative fee. Your financial plan is updated on an ongoing basis, and every measure is implemented without hourly billing.
Caveo Wealth won't cost you any more than going directly to a wealth manager. Planning, implementation, and support are all included in one price.
When comparing options, be sure to consider the additional costs. With many low-cost providers, costs not prominently listed on any price list are added to the stated fee: currency conversion surcharges, transaction fees, and product costs. At Caveo Wealth, these are included in the price.
That takes care of everything. Caveo, asset management, account maintenance, transactions, currency exchange, and the product costs associated with the investments. The only items not included are statutory fees such as stamp duty and value-added tax.
With Caveo, you won't pay any more than you would without it. The same at Azemos, Everon and ZIAG. For investable assets of CHF 250'000 or more.
To ensure this isn't just an empty phrase, there are four rules to follow.
It's comprehensive, even if you invest your assets elsewhere. Each plan outlines both options: on your own or through your bank, or with Caveo Wealth.
Our planners are evaluated based on the quality of their planning and your satisfaction, not on the amount of assets under management.
Our 0.50% fee is included in the total costs. You pay the same amount as you would through a direct investment. Our fee is the same for all three asset managers and every strategy, so we have no reason to steer you toward a specific partner. We do not receive any rebates on investment products.
If your assets are held at your bank, we will assist you for a fee that we will determine together in advance.