Focus on Wealth Planning #5: Structuring and managing your wealth
WEALTH PLANNING AND PHILANTHROPY
Managing your assets effectively is more than choosing investments: they must be structured and managed with the right approach to meet your goals and needs.
The importance of structuring your wealth
Wealth structuring means organising your assets coherently and strategically to meet one or more goals: secure your future, protect your loved ones, pass on your wealth, or factor in tax implications.
With the right structure you can manage risks and adapt your investments to your plans.
What does each wealth management structure offer?
Several structures exist for holding and managing your wealth effectively:
A real estate investment trust is a solution for administering your family or business-related real estate assets. It offers flexibility for managing and passing on your wealth.
Securities accounts or personal equity plans are ideal for managing equity and bond portfolios, and offer long-term growth opportunities.
A life insurance policy allows you to combine savings and estate planning within a favourable legal and tax framework.
Adapting wealth management to your goals
Once you have a structure for your financial assets, you must choose a management approach. There are a few options:
Self-management allows you to personally oversee your investments, providing the autonomy you need to stay involved in the management of your wealth.
If you prefer delegating your wealth management, you can choose between discretionary management and advised management. Both approaches guarantee active and optimised management by an expert.
In all cases, diversification through investment funds spanning multiple asset classes is essential for spreading risk and seizing growth opportunities.
Specialised tools and guidance
With our digital tools you can perform a financial diagnostic analysis of your wealth to obtain a detailed overview of your financial and non-financial assets. Such diagnostic tools allow you to objectively assess the likely performance of an equity portfolio in terms of expected risks and returns. Regular monitoring with a private banker and a portfolio manager ensures that your investments are adjusted as the market and your plans evolve.
Our support
Wealth structuring and management are two key steps to achieve your personal and financial goals. Working alongside your private banker, our experts, wealth engineers, investment advisors and portfolio managers are at hand to bring their perspective and guidance on selecting the right wealth management structure for you.
Would you like to discuss this subject further with us?
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