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Open up to a new type of banking service – Trafalgar Wealth Management Ltd., Zürich – A true alternative in Switzerland’s Private Banking Scenery



Zsolt Bandy

By Zsolt Bandy CEO of Zürich-based Trafalgar Wealth Management Ltd. (TWM)

Trafalgar Wealth Management in Zürich offers a viable alternative in the Swiss private banking scene with a service that takes a disciplined, multi asset-class and tailor-made approach to the challenges facing the modern investor.Zsolt Bandy

On the eve of an even more complex market and regulatory environment, Swiss private banking prepares itself to cope with all the known and new challenges. Some financial institutions will fail and some will survive and turn stronger. The question is what is key in order to position oneself on the winner’s list?

Each financial institution is aware of new standards to be fulfilled in order to keep the private banking clients satisfied. But which ones of still numerous market participants will have the right structures, the optimised processes, the necessary know-how and experience as well as the right contacts to other synergetic and professional product and service units not only to be solid but also proactive and flexible enough to successfully embrace the upcoming new age?

Based on the growing criticism of lack of transparency, dizzy taxation threats with unpredictable changes in the various jurisdictions, unclear fee structures, diminishing service quality, high personnel turnover and poor performance figures – a lot of institutional clients and high net worth individuals (HNWI) are being confronted with following deeply evident questions:

–    Is there a way to optimize my co-operation with my bank and my private banker in view of a better performance, better service quality and lower costs?
–    Is there a way to build up a long-term banking relationship based on trust and affected by loyalty, independent opinion and a maximum degree of discretion?
–    Is there a person or an institution being committed to provide me with attractive investment ideas and best possible timing without any conflict of interest?
–    Is there an institution as your lender of last resort you can approach and get advice or simply for a helpful second opinion for alternative structures and for all my different asset classes?
–    Is it possible to approach my future financial advisor with the combination of all these wishes and have answers out of one hand?

Paralysing some investors is the threat of an inherent possible meltdown of the financial markets. Making money with the right performance drivers in the adequate asset classes, a continuous screening of the investment in view of an efficient risk-management, and a new way of taking care of the clients’ assets, which we represent, is at least to be taken into consideration.

We assume that the majority of the ‘Global Banking & Finance’ readers are familiar with the so-called family offices – often reserved to the super-rich – , which are fairly common and well represented especially in Anglo-Saxon countries. Major characteristics of these entities supposed to match exactly with the above enumerated requirements and are therefore very much en vogue.

With this article we would like to turn your attention to the – so far less known – Swiss pendant of this approach – a well-established and traditional Swiss constitution called ‘Independent Asset Manager Companies’ such as Trafalgar Wealth Management Ltd. is.
Based on our experiences we have made since establishing our independent asset management company, more than ever we are convinced that this platform is an optimising centre of competence between our partner banks, product and service providers, specialist partner firms and our trusted clients. It offers all the advantages that will further gain more attention and future followers especially in view of the described on-going changes in the financial industry.

Let us welcome you in our premises in Zürich and have an opening discussion about your financial background and needs – it could be a first step towards a beneficial partnership – as a true alternative in the world of “New Swiss Private Banking”.

More about the author:

Zsolt Bandy
Zsolt Bandy is the CEO of Zürich-based Trafalgar Wealth Management Ltd. (TWM). He holds a university degree in economics, has 20 years of international experience in investment advisory for individual and institutional clients, and is well connected in the Swiss Private Bankers’ community.

Together with his associate partners at TWM, he draws on strong analytical and processing skills while covering all asset classes including private equity, start-up and early-stage investments, and while offering tailor-made advisory services.
Among the companies, he has worked for during his career, as a private banker are UBS, Credit Suisse and Dresdner Bank.
The inspiration for the establishment of Trafalgar Wealth Management Ltd. by its CEO was to create an adequate platform to cope with today’s multiple challenges in the financial industry allowing the concentration on the essences of a successful co-operation with clients and partners by generating excellence in the disciplines Competence, Independence, Continuity, Discretion & Performance.

More about the company:

Trafalgar Wealth Management Ltd., Zürich
Embedded in Switzerland’s solid political, legal and economic environment, Trafalgar Wealth Management Ltd. is a Switzerland based and licenced Independent Asset Management Company, established 2006.

Trafalgar offers its own asset management advice with a tailor-made and highly disciplined investment approach as individual or as standardized mandates, depending on the client’s risk profile and preferences. The range is from very conservative profiles with low-risk directives to more dynamic portfolios with higher performance expectations.

Trafalgar’s clients have accounts held with well-recognised Swiss Private Banks according to their choice. Their accounts automatically enjoy attractive conditions based on the contractual partnership between Trafalgar and its partner banks as well as carefully selected best-in-class products from the best product and service providers.

Trafalgar offers of course all the typical banking services such as account openings and maintenance, administration and professional monitoring, trustee-mandates and establishing of offshore structures such as Marshall Islands Companies, Trusts and Foundations etc.
Additionally, our clients find access to a wide network of business partners with in-depth knowledge and expertise in the fields of company structures incl. offshore-solutions, private equity, real estate, investment funds, hedge funds and structured products.
As a registered Swiss independent asset management company Trafalgar offers over-average earning perspectives, attractive banking conditions, carefully selected best-in-class products, and is committed to fulfil high quality standards based on Swiss private banking tradition.
Since its foundation in 2006, Trafalgar has achieved double-digit performance rates every year with its equity based portfolio mandate.


What should I invest and How do I invest



What should I invest and How do I invest 1

By Imogen Clarke, The Fry Group

With all the uncertainty that has arisen from 2020, with lockdown threatening businesses and the warning of a second wave, the topic of investments has taken on new meaning. Nowadays, more people are concerned with what makes for a good investment, or, if you’re a novice, how to best invest.

For instance, you might be unsure about the reliability of the company you’re looking to invest in, as well as the long-term prospects of your investment.

If you are unsure of your investments, then it is best to seek advice from financial experts like The Fry Group, who deal with tax, wealth and estate planning. They will see that you have a strong financial plan in place to help meet your objectives. They will develop a strategy that is built around your needs and asses any risks that could hinder your plans.

There are some things you’ll need to consider for your strategy; for instance, are you looking to make investments that are more of a risk and will take longer to come to fruition? Or, alternatively, are you wanting a faster approach that will result in a steady income? Whether or not you decide to play it safe all depends on your current financial situation and whether you have the means to take more of a risk. Do you have any other debts that take precedence over your future plans? Is your investment strategy realistic?

With the aid of a specialist – or investment manager – you can design an investment concept that works for you and your goals, and start to build a regular income from your investments. There are four main areas when it comes to assets (groups of investments) that you can consider:

  • Equities
  • Bonds
  • Alternatives
  • Cash

Your investment manager will test the risks associated with your investment, and if it proves to be a positive investment choice, then you will be able to invest more over time.

So, how do you decide where to invest?

According to The Fry Group, ESG investing (Environmental, Social and Governance) is a good option for investors looking to support businesses that meet their similar ethics.

The main areas of ESG investing include:

  • Environmental challenges (climate change, pollution, etc)
  • Social issues (human rights, labour standards, child labour, etc)
  • Governance considerations relating to company management

According to The Fry Group, “Many investors choose to consider ESG investing in order to ensure any investment decisions reflect personal beliefs and values. As a result, they choose to support companies who are making informed, responsible decisions which take into account their wider societal and global impact. In this way investors can achieve peace of mind that their investments are creating a positive effect.”

ESG investing is also more relevant now than ever, as more businesses are looking to present themselves as an environmentally conscious corporation that recognises the values of their consumers.

As The Fry Group puts it, “In the past, ESG investing has been seen as a niche investment approach, for a relatively small number of people with specific requirements. This has changed significantly in recent years, with a growing awareness of environmental issues such as climate change and an increasing understanding of social issues and human rights. As a result, many people are increasingly interested in reflecting their opinions and lifestyle choices through the way they invest.”

So, if you want your investments to pave the way for your personal values and reflect your own morals, then this is the route to go down. But how does it all work?

There are four areas of ESG investing:

  • Responsible ownership and engagement: when companies are encouraged to make necessary improvements.
  • Avoidance or negative screening: whereby businesses are ‘graded’ based on how ethical their business practices are and are avoided altogether if their methods are not approved.
  • Positive screening strategies:when companies meet the ESG goals and are approved for investments.
  • Impact investment strategies: the purpose of this is to use investment capital for positive social results such as renewable energy.

You will need to take into account your own personal objectives as well as the objectives that meet the ESG investment criteria. And, in terms of financial performance, ESG investing can be hugely beneficial. Those who opt for ESG investing perform a more in-depth analysis into long-term and future trends that affect industries, meaning that they are better prepared for changes in consumer values when they arise. And, with all the unpredictability that this year has offered us so far, isn’t it better to do the research and have all angles covered?

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Investment Roundtable: Live with Jim Bianco



With Q4’s macro picture still looking grim amid the return of exponential coronavirus waves in Europe and the U.S. and Europe, we speak with veteran macroanalysis strategist Jim Bianco, CMT for a data-driven deep-dive into the global economy and financial markets on Sept. 7th at 12pm EDT.

Sign up for this exclusive webinar now

Key themes:

  • Learn from Jim’s unique combination of quantitative and qualitative analytics which provide an objective view on Rates, Currencies and Commodities to make smart investment decisions
  • Identify important intermarket relationships he is watching with respect to Global Equities
  • Roadmap a global outlook for 2021 in view of socio-political backdrop giving viewers key takeaways and intermarket perspectives on global investing.

Sign up for this exclusive webinar now

Jim’s robust technical analysis includes a broad look at trends and themes in the markets, market internals, positioning such as the Commitment of Traders (COT), sentiment, and fund flows. Don’t miss out on this exclusive session from one of the investment world’s most insightful thought leaders.

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Equity markets react to a rise in Covid-19 cases, uncertain Brexit talks and the upcoming US election



Equity markets react to a rise in Covid-19 cases, uncertain Brexit talks and the upcoming US election 2

By Rupert Thompson, Chief Investment Officer at Kingswood

Equity markets had another choppy week, falling for most of it before recovering some of their losses on Friday and posting further gains this morning.

At their low point last week, global equities were down some 7% from their high in early September. US equities were down close to 10%, hurt by the large weighting to the tech giants which at least initially led the market decline.

The market correction is nothing out of the ordinary with 5-10% declines surprisingly common. Indeed, a set-back was arguably overdue given the size and speed of the market rebound from the low in March.  As to the cause for the latest weakness, it is all too obvious – namely the second wave of infections being seen across the UK and much of Europe and the local lockdowns being imposed as a result.

These will inevitably take their toll on the economic recovery which was always set to slow significantly following an initial strong bounce. Indeed, business confidence fell back in September both here and in Europe with the declines led by the consumer-facing service sector. A further drop looks inevitable in October – fuelled no doubt in the UK by the prospect that the latest restrictions could be in place for as long as six months.

The job support package announced by Rishi Sunak did little to boost confidence. Its aim is to limit the surge in unemployment triggered by the end of the furlough scheme in October. However, the scheme is much less generous than the one it replaces as the government doesn’t want to continue subsidising jobs which are no longer viable longer term.  A rise in the unemployment rate to 8% or so later this year still looks quite likely.

Aside from Covid, for the UK at least, there is of course another major source of uncertainty – namely Brexit. Another round of trade talks start this week and we are rapidly reaching crunch time with a deal needing to be largely finalised by the end of October.

Whether we end up with one or not is still far from clear. That said, the prospects for a deal maybe look rather better than they did a couple of weeks ago when the Government was busy tearing up parts of the Withdrawal Agreement. With significant Covid restrictions quite probably still in place in the new year and the Government already under attack for incompetence, it may not wish to take the flack for inflicting yet more chaos onto the economy.

Markets remain unimpressed. UK equities underperformed their global counterparts by a further 2.7% last week, bringing the cumulative underperformance to an impressive 24% so far this year. The UK weighting in the global equity index has now shrunk to all of 4.0%.

It is not only the UK which faces a few weeks of uncertainty. The US elections are on 3 November. We also have the first of three Presidential debates this Tuesday. Joe Biden’s lead looks far from unassailable, a close result could be contentious and control of Congress is also up for grabs.

All said and done, equity markets look set for a choppy few weeks. Further out, however, we remain more positive – not least because the focus should hopefully switch from the roll-out of new lockdowns to the roll-out of a vaccine.

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