The power of personalisation
Elio Barzilay, Hyposwiss Advisors
Hyposwiss Advisors is a Swiss-based wealth management company entirely dedicated to North American investors. Our client focus creates value for our US and Canadian clients thanks to our financial knowledge and expertise in efficient financial instruments suitable for those jurisdictions.
Our investment services tackle important client concerns such as understanding tax and reporting obligations, monitoring the currency exposure of assets and building tailor-made portfolios.
Financial products such as funds, ETFs and structured products can have significant tax compliance consequences for investors. For example, Ucits or other European-domiciled funds may result in burdensome and complex tax reporting obligations for American taxpayers. Based on our expertise, we endeavor to guide our clients through product offerings to avoid common mistakes and ensure they select suitable and cost-efficient products.
Another important concern for our clients is the ‘true’ currency exposure. An ETF listed in New York but invested in European shares may be traded in US dollars and be presented in bank statements as a ‘dollar’ holding, when in reality the underlying currency exposure is euros. We systematically track the underlying holdings of the products we invest in to minimise unforeseen risks and achieve the correct currency exposure desired by the investor.
Defining an acceptable risk tolerance level with each client is another key pillar in our business model. Based on our experience, North American clients are much more eager to invest in equities and do not consider a 70%-plus stock allocation as ‘dynamic’ or ‘aggressive’, contrary to usual Swiss asset management standards. Our value added is in building a diversified portfolio oriented towards sustainable performance with an acceptable risk level.
On top of our expertise, being based in Switzerland offers a significant competitive edge to our clients in terms of stability, access to multiple asset types and a large choice of local counterparts and custodian banks.
We offer differentiated and complementary advice from our peers located in the US or Canada. Our worldwide investment framework and perspective help us to build more resilient and robust portfolios.
As a fully registered asset manager in the US and Canada that is also under supervision from the authorities in Switzerland, we comply with the highest global standards and best practices. By offering personalised services to our North American clients, we aim to achieve a solid performance for future generations.