Our minimum investment is CHF 1 million.

If you do not meet the above minimum, but belong to the family of existing clients; please do not hesitate to contact us anyway.

Our family office services are available to all our wealth management clients. As a rule, these services are used to a greater extent by very wealthy clients with complex financial circumstances.

We do not hold custody over your assets. These are deposited in accounts under your name with a well-capitalised Swiss bank or with several banks of your choosing. Our agreement with you gives us limited power of attorney to manage your portfolio(s), but not to disburse or transfer funds. 

As the banking sector is in transition, we recommend that our clients use more than just one custodian bank as a diversification measure. This measure gives you the room for manoeuvre you need, and means you are not dependent on one bank. With banks, we have negotiated special rates for our clients, and these include significant reductions. 

No, not under any circumstances.

We have no hidden fees and as a basic principle we do not accept any retrocessions or commissions. Business practices like these are contrary to our fundamental values, as these would lead to a conflict of interest between ourselves and our clients.

A conflict of interest arises when a bank or an asset manager should act in the best interest of their clients, but seeks to increase their own revenues through non-transparent business practices instead. Here are a few examples:

a) Because banks or asset managers earn more money with their own financial products (e.g. investment funds or structured products) than with direct investments or third-party products, they have a financial incentive to issue their own products and use them in their clients' portfolios.

b) Banks and asset managers often receive commissions from the issuer of a financial product for the initial investment as well as part of the ongoing fees charged. This creates a false incentive to recommend investments that are the most profitable for the financial institution.

c) Many banks and asset managers earn money with every customer transaction (purchase or sale of securities). This provides a financial incentive to make as many (unnecessary) transactions in clients' portfolios as possible.

Such business practices have always been out of the question at Moor & Bachmann. We are compensated exclusively and directly by our clients. In our opinion, this is a prerequisite for a long-term business relationship based on trust.

Our reporting is straightforward, clear and understandable.

We provide our clients with an individual and detailed Investment Management Report on an annual basis. This report includes a consolidated yearly performance statement, which aggregates all of the client’s custodian bank accounts. If required, we can adapt our reporting to our client’s individual needs. For example, we can include assets such as property or investments in privately held companies. Of course, we can also organize e-banking access for our clients if required.

No, we do not manage or accept untaxed assets. 

As part of our business principles, we generally try to avoid incalculable risks. In this way, we protect both our clients and ourselves.

We maintain absolute confidentiality regarding all client information.

Our customers have the right to expect us to protect their privacy and personal data. This matter is especially important to us now that the "transparent citizen" is increasingly becoming the norm.

For security reasons and to protect the transmission of data that you send to us via the contact form, this website uses encryption (SSL). Our website is hosted on web servers in Switzerland. Please read our data protection policy here.

Yes, we certainly can.

In contrast to the standardised strategies of larger financial institutions or mutual funds, we create individual portfolios for each of our clients. This means that your unique circumstances and wishes will always be accommodated. Some of our clients ask us to avoid certain industries (e.g. for ethical reasons) or stocks (e.g. because they are corporate insiders), and we always respect that. 

The individual positions we aim for are of a size where each and every investment counts. At the same time, we are careful to diversify sufficiently, because even we get things wrong occasionally. This typically translates to 20-30 stock positions, with position sizes fluctuating between 2% and 6%. Most positions are in the 2-4% range.

We are long-term investors, not traders.

We are not buy-and-hold investors, however; we are buy-and-sell investors. Just because we have bought a stock does not mean we will hold it forever. It has to deserve to stay in the portfolio; it has to continue to provide a good risk-adjusted return for us. We continuously monitor our positions to make sure that this is the case.

We retain many positions for longer than five or even ten years, and we own others for less than a year (though this is rare). We have no incentives whatsoever to make more transactions than absolutely necessary (please also see the question above, "What is a conflict of interest”).

No, we follow an absolute return target, not a relative one.

Our goal is the long-term preservation and accumulation of our clients’ wealth. Our approach is to invest in quality companies, not to "hug" indices. However, we are confident that we stand up to comparison with any benchmark or reference index in the long-run.

The term “family office” comes from the Anglo-Saxon world and refers to a company that comprehensively supports wealthy private individuals and/or families in managing their assets. A family office that supports several families is called a multi family office (versus single family office).

Moor & Bachmann has the resources to provide bespoke family office services in addition to wealth management. These services range from consolidated reporting, pension and estate planning to philanthropic tasks.

Please read more about our services.

Moor & Bachmann is a wealth manager according to Art. 2 para. 1 lit. a FINIG and holds the necessary licenses from the Swiss Financial Market Authority FINMA (Laupenstrasse 27 in 3003 Bern). We are supervised by the following organization:

AOOS - Swiss Corporation for Supervision
Clausiusstrasse 50, CH-8006 Zurich
Website: aoos.ch

In addition, Moor & Bachmann is an active member of the Swiss Association of Asset Managers (SAAM):

VSV - Swiss Association of Asset Managers
Scheuchzerstrasse 44, CH-8006 Zurich
Website: vsv-asg.ch

Our wealth management mandate complies with the requirements of the SAAM's professional recommendations for wealth management mandates.

Finally, Moor & Bachmann is a member with an ombudsman service, Ombud Finance Switzerland (OFS). The service is available to our clients as a mediation and dispute resolution body if required:

OFS - Ombud Finance Switzerland
Rue du Conseil Général 10, CH-1205 Geneva
Website: ombudfinance.ch

No, we do not provide legal or tax advice. As central points of contact, however, we often coordinate the work of qualified lawyers and tax advisors for our clients. 

We speak German, English and French.  

Please read the information in this section.