Financial Risk Information
Information Document – Vault Wealth Management SA
The Swiss Federal Financial Services Act (FinSA) has been in effect since 1 January 2020.
Its primary aim is to enhance investor protection by imposing stricter requirements for providing clear information and proper documentation in connection with financial services.
You fall within the scope of FinSA if you engage in transactions involving securities, derivatives, or futures.
Investor protection varies according to the type of client classification: private, professional, or institutional.
Unless Vault Wealth Management SA informs you otherwise, you will automatically be treated as a private client, which grants you the highest level of protection available.
INTRODUCTION
Vault Wealth Management SA provides wealth management advisory services to its clients. This document aims to inform clients about the main risks associated with financial investments and how Vault Wealth Management SA delivers its advisory services.
Vault Wealth Management SA is subject to the Swiss Federal Banking Act and is supervised by the Swiss Financial Market Supervisory Authority (FINMA and SO FIT). You can obtain the contact details from your relationship manager.
Mediation.
Ensuring our clients’ satisfaction is a priority for Vault Wealth Management SA
Should our service not fully meet your expectations, we encourage you to get in touch with us so we can work toward a suitable resolution together.
If a mutually acceptable solution cannot be found, you have the option to approach a Swiss mediation body—an impartial and independent organization that provides information and mediation services, clients may contact FINSOM, the mediation service.
General Principles
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Every investment carries a certain degree of uncertainty, and no return is guaranteed.
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Diversification can reduce overall risk but does not eliminate it.
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Risk varies according to the investment type and horizon.
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Even instruments considered safe may experience value fluctuations.
Main Financial Risks
a) Market Risk
The value of investments may fluctuate according to financial market developments. These fluctuations can be positive or negative.
b) Credit Risk
The issuer of a financial instrument may not be able to repay principal or interest due.
c) Liquidity Risk
Some investments may be difficult to sell quickly without loss of value.
d) Currency Risk
Investments denominated in foreign currencies are exposed to exchange rate fluctuations.
e) Interest Rate Risk
Changes in benchmark interest rates influence certain financial instruments, notably bonds.
f) Specific Risk
Certain risks are directly linked to the company, sector, or product selected.
g) Systemic Risk
Major events (financial crises, geopolitical instability, bank failures) can affect entire markets simultaneously.
Client Responsibility
The client remains fully responsible for their investment decisions. Vault Wealth Management SA provides advice and recommendations only, without executing or managing investments on behalf of the client. The client is responsible for:
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Defining financial objectives,
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Assessing risk tolerance,
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Carefully reviewing information documents prior to any decision.
Remuneration Policy
The remuneration of Vault Wealth Management SA is based exclusively on fees agreed with clients. The company does not receive retrocessions or third-party commissions, except where explicitly and transparently disclosed to the client. This approach ensures independence and transparency in the advice provided.
Conflicts of Interest
Vault Wealth Management SA provides independent advisory services and aims to act solely in the best interests of its clients.
Situations may nonetheless arise where the interests of Vault Wealth Management SA, its staff, or third parties differ from those of a client—for example when Vault Wealth Management SA receives fees, retrocessions, or other benefits from product providers or service partners.
Vault Wealth Management SA maintains internal policies and controls to identify, prevent, and manage such conflicts, including transparent disclosure of any compensation arrangements, the use of objective selection criteria for products and service providers, and, where necessary, obtaining the client’s explicit consent.
Upon request, further details on Vault Wealth Management SA’s conflict-of-interest management framework will be provided.
Legal Disclaimer
This document is provided for information purposes only and does not constitute investment advice, an offer, or a solicitation to buy or sell any financial instrument.
While Vault Wealth Management SA strives to ensure that the information herein is accurate and up to date, Vault Wealth Management SA makes no representation or warranty, express or implied, as to the completeness or accuracy of the content.
The information may change without notice.
Clients should make their own independent decisions regarding investments and, where appropriate, seek professional advice.
Vault Wealth Management SA provides advisory services only and does not hold client assets or execute transactions on their behalf.