Adopting a next-generation portfolio management solution can be a truly transformative catalyst for Swiss wealth managers. A comprehensive tool helps address the challenge of hyper-personalisation, optimises portfolios across a wide range of aspects, improves operational efficiency, and enhances client satisfaction.
Faced with the challenges of fiscal transparency, market fluctuations, and the increasing demands of affluent clients, wealth managers need a powerful technological solution that enables automated and tax-efficient customisation.
By combining automation and human expertise, these solutions pave the way for a new era of wealth management in Switzerland, where performance and personalisation converge. They allow professionals to navigate a complex and ever-changing environment successfully.
The era of hyper-personalisation
Hyper-personalisation has become the norm, especially for affluent clients. Whether for personal or legal reasons, today's investors demand tailor-made services that take into account their values, convictions, personal and tax situation.
For example, an entrepreneur may need to comply with specific investment rules, while another investor may wish to align their portfolio with their values, convictions, and personal or professional wealth situation. And, not forgetting the tax specificities of international clients.
Faced with these demands, standard tools are limited. However, innovative solutions have been developed to address them. Thanks to their advanced algorithms, these allow portfolio managers to define precise criteria for each client and receive suggestions regarding their management mandates.
To achieve this, managers must be equipped with a customisation tool capable of rebalancing portfolios taking into account each investor's needs, constraints, objectives, and tax situation. Only such tools can guarantee compliance with a very specific mandate and optimal long-term performance.
Multidimensional efficiency
Beyond the elements already mentioned, such a solution optimises portfolios across multiple dimensions:
- Operational efficiency
Automating repetitive tasks frees up time for managers, allowing them to focus on value-added activities, such as investment strategy. - Increased performance
By considering multiple factors, such as transaction costs, diversification, and investor objectives, these solutions maximise the potential of each portfolio. - Tax efficiency
Thanks to its integration with Indigita, the Croesus Central customisation tool is the only one on the market to integrate in-depth knowledge of international tax regulations. Therefore, it minimises the tax impact for each client, regardless of their country of residence.
Automating to better personalise
Aware that efficiency and performance are key in portfolio management, WealthTech Croesus has developed a tool that automates tedious tasks while integrating hyper-personalisation features, the main points of which are as follows.
- Definition of objectives and constraints
For each client, the manager defines investment objectives, a risk profile, specific constraints (ethical, political, legal), as well as essential tax data, based on the investor's tax residence. - Analysis and recommendations
The solution analyses portfolios, identifies discrepancies from the target allocation, and provides personalised rebalancing recommendations, taking into account all parameters and constraints of each investor. - Validation and execution
The manager validates the recommendations provided by the system and executes orders to rebalance the portfolio according to each client's mandate. This can be done automatically or manually to align portfolios with the strategic and tactical visions of their bank, while maintaining the specific criteria of each client.
A connected and agile solution
Aware of the challenges associated with legacy systems, Croesus has designed a solution that integrates easily with existing infrastructures. This simplified connectivity allows private banks to quickly adopt new features and respond to market changes.
