The most important things first
A bank-independent depot analysis shows whether your existing securities solution is transparent, cost-efficient and appropriately positioned for the risk. At VPZ, the whole process takes 5 working days and is aimed at people in Switzerland with assets over CHF 100,000. As part of holistic wealth planning, the service costs the client nothing.
What we repeatedly notice in practice is that many bank clients sense that something is not quite right, but cannot name the reason. This is where VPZ comes in: the analysis reveals weaknesses in fees, costs, risk and structure before they cost in the long term.
Who is a depot analysis worthwhile for?
The service is suitable for individuals resident in Switzerland with larger securities holdings who want an independent view of their bank solution. It is especially sensible if you already have some wealth and want to know whether the composition still aligns with your goals. VPZ works bank-independently and views the existing asset management portfolio from the customer's perspective.
- You want to know if your fees are proportional to the service.
- You want to reduce risks without unnecessarily complicating your investment strategy.
- You are looking for a neutral assessment rather than an internal bank product logic.
- You suspect optimization potential but cannot quantify it yet.
From our experience at VPZ, the most common misconception is that a solid bank solution automatically means a good bank solution. In many cases, the independent analysis reveals where unnecessary costs are hidden or the risk structure does not cleanly fit the client’s situation.
When is the service not suitable?
| Situation | VPZ Classification | Why |
|---|---|---|
| Larger securities assets in Switzerland | Suitable | Here the optimization potential is often relevant enough for a deeper analysis. |
| Desire for an independent view of the bank solution | Suitable | The assessment is not from a bank perspective, but based on wealth and risk criteria. |
| No obvious potential or very small assets | Rather not suitable | The service requires a certain minimum size and a realistic optimization topic. |
| Expectation of product advice or sale of financial products | Not suitable | VPZ does not offer financial products or insurance advice. |
How does the analysis at VPZ work?
The process is lean and clear: first, a personal consultation to clarify needs is held. Then VPZ analyzes the existing asset management portfolio bank-independently and shows optimization opportunities. The whole process takes 5 working days.
- Personal meeting to clarify needs
- Analysis of the existing bank solution
- Highlighting fee, risk and structure potential
- Classification of results and next steps
Let VPZ prove that there is optimization potential. You can only gain from the insights gained.
What does the depot analysis cost?
As part of holistic wealth planning, the service costs the client nothing. The main cost driver is not the price itself, but how large the concrete optimization potential is in the existing solution. That is where the decisive added value is created in practice.
VPZ Vermögens Planungs Zentrum AG
What results does a depot analysis deliver?
The analysis shows where fees and costs are unnecessarily high, where risks can be reduced, and where portfolio performance can improve. In a concrete client project, VPZ uncovered major deficiencies in portfolio composition, massively reduced costs and fees and clearly increased performance. This yielded several thousand francs of optimization potential.
Contrary to the assumption that with an existing bank solution only minor gains are possible, we often see much more substance than expected. Many new VPZ clients initially question the added value, but after the assessment are surprised at how much can actually be improved in a carefully constructed solution.
Frequently asked questions
How quickly will I see the results?
Do I have to switch banks for this?
Is the service also worthwhile for smaller fortunes?
What if no potential is visible?
If you want to review your bank solution bank-independently, VPZ’s depot analysis is a factual first step. You receive a neutral assessment of costs, risks and structure, without being sold products. For clients with larger securities assets, this is often the most direct path to greater clarity.
Especially for wealth above CHF 100,000, it pays to assess your own solution not just by gut feeling. VPZ shows in practice where fees can be reduced, risks better distributed and unnecessary weaknesses eliminated.
Jetzt eine unabhängige Depotanalyse anfragen
VPZ Vermögens Planungs Zentrum AG, Kloten