Financial Analysis & Goal Setting
The first step towards successful wealth building
Successful wealth building starts with clarity
Before you invest, you need a clear picture of your current situation and your goals. How much wealth do you have? What are your financial obligations? What goals are you pursuing?
A professional financial analysis uncovers hidden potential, identifies unnecessary costs, and lays the foundation for a tailor-made investment strategy.
Your benefits at a glance
Complete overview of your assets
Recording of all assets, debts and ongoing costs
Concrete investment goals
Definition of measurable goals with a realistic timeline
Risk profile determination
Determining your individual risk tolerance
Optimisation potential
Uncovering savings potential and inefficiencies
Return expectations
Realistic forecasts based on your profile
Protection check
Reviewing your risk coverage before building wealth
In-depth knowledge
Recording your assets
A complete record of all assets forms the basis. This includes: bank accounts, securities, real estate, pension fund, pillar 3a, life insurance, valuable items and all debts.
A typical Swiss household has 5-10 different 'asset pots'. Many of them are not optimally structured.
Defining SMART goals
Investment goals must be SMART: Specific, Measurable, Attractive, Realistic and Time-bound.
Example: 'CHF 200'000 in 10 years for the down payment on an apartment' is better than 'I want to save for a house'.
Determining your risk profile
Your risk profile consists of two components: risk capacity (objective, based on time horizon and financial situation) and risk tolerance (subjective, how you deal with losses).
Someone with a 20+ year horizon can take on more risk than someone with a 5-year horizon.
Cash flow analysis
How much can you invest each month? The cash flow analysis shows your available income after all fixed costs.
A typical Swiss family should be able to set aside 10-20% of net income for long-term wealth building.
Avoid common mistakes
These are the mistakes we see most often in practice
Investing without an emergency reserve
In an emergency, investments have to be sold at a loss.
Taking on too much risk with a short horizon
Price fluctuations can jeopardise your investment goal.
Emotional risk assessment
Overestimated in bull markets, underestimated in bear markets.
Unclear or unrealistic goals
Leads to frustration and constant strategy changes.
Checklist: your next steps
What you can do right now
Frequently asked questions about Financial Analysis & Goal Setting
Answers to the most important questions
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