We match your convictions with leading investment strategies

  • Digital, smart and personal.

Descartes Finance is an owner-run, digital Swiss asset manager. This is what you can expect from us.

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Performance

Your assets will be invested in line with your needs and preferences according to scientifically-based investment strategies with a proven track record of above-average returns.

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Efficiency

You receive as much advice and support as you want. Your assets are managed via a simple, transparent and secure web platform. Unnecessary costs are avoided.

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Security

Our investment platform meets the most stringent security standards, and we work with well-known partners across the board. Your personal data are processed and securely stored in Switzerland.

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It’s all down to strategy

We have strong convictions when it comes to investing. 

We follow an investment method based on clear rules. This approach sets the framework for the investment strategies that we develop together with our partners on a scientific basis. The investment style you can choose is either passive or active. The passive style is based on broad market indices. When investing actively, the aim is to beat the market average. There are good arguments for both investment styles.

What do you believe?
 

  • No one can beat the market!
    My strategy is passive, cost-efficient investing.

    For you we suggest Strategic ETF CHF.

    This strategy involves investing your assets close to the index and putting together a portfolio of cost-efficient passive investments, for example exchange-traded funds (ETFs).

    The Strategic ETF Portfolio is designed for volatile, uncertain market situations. In an endeavour to keep the overall risk of the portfolio significantly lower than the sum of its parts, this strategy strives for balanced risk exposure to different asset classes. The model uses new tools such as ETFs to put together this portfolio. Risk exposure is measured in real time using the industry-leading risk management system from BlackRock. The portfolio is designed to intelligently exploit active risks by way of tactical trading or active funds. The goal is to further boost potential returns and improve portfolio diversification.

    • The Descartes fees come to 0.30% p.a.
    • The ETFs are held in a custody account at UBS or Vontobel.
    • The all-in account fee at UBS is 0.35% p.a. (excluding third-party fees).
    • The all-in account fee at Vontobel is 0.50% p.a. (excluding third-party fees) .
    • This strategy is available for the Income, Balanced and Growth risk profiles starting from an investment of CHF 25,000.
       
  • Risk management is the key!
    I choose a portfolio that gives me the optimum rewards for the amount of risk I take.

    For you we suggest OLZ Minimum Risk ESG.

    A minimum risk portfolio is designed to maximise the expected return for a specific risk. The portfolio is efficient and and complies with the principle of sustainability.

    Efficiency is achieved by putting together the portfolio on the basis of the risk parameters (volatilities and correlations) forecast for the individual assets, and selecting the assets that in their entirety promise the best performance within a given risk budget. The portfolio is systematically monitored and adjusted if required. This approach draws on the latest findings of financial market research.

    • The Descartes fees come to 0.30% p.a.
    • The OLZ funds are held in a custody account at UBS or Vontobel.
    • The all-in account fee at UBS is 0.20% p.a. (excluding third-party fees).
    • The all-in account fee at Vontobel is 0.50% p.a. (excluding third-party fees).
    • The strategy is available for all risk profiles, starting from an investment of CHF 25,000.
  • There are always opportunities!
    My strategy’s built on the right tactical allocation for my portfolio.

    For you we suggest Multi Asset Core CHF.

    In this investment strategy the asset manager, Deutsche Asset Management, acts on clear convictions with the aim of rewarding greater risk appetite with greater returns – provided investors can live with tolerable drawdowns depending on the situation. The strategy is designed to capitalise on both long-term expected returns and tactical returns. It’s implemented primarily in the form of cost-efficient, liquid ETFs and active funds.

    • The Descartes fees come to 0.30% p.a. The ETFs and funds are held in a custody account at UBS or Vontobel.
    • The all-in account fee at UBS is 0.35% p.a. (excluding third-party fees).
    • The all-in account fee at Vontobel is 0.50% p.a. (excluding third-party fees).
    • The strategy is available for the Income, Balanced and Growth risk profiles starting from an investment of CHF 25,000.
       
  • Science knows what drives value!
    My strategy’s based on the latest insights from evidence-based financial market research.

    For you we suggest Swiss Rock Spread & Style Portfolio.

    This strategy involves implementing evidence-based research findings on the global financial markets by putting together portfolios of different actively managed equity and bond modules. On the equity side, research shows that the factors driving value vary over time and from region to region. The goal is to achieve robust overperformance by dynamically weighting these factors when picking stocks. The bond strategy uses tried-and-tested quantitative methods to select attractive investments from the global universe of non-government bonds, removing from the portfolio risks for which investors are not adequately compensated.

    • The Descartes fees come to 0.30% p.a.
    • The Swiss Rock funds are held in a custody account at UBS or Vontobel.
    • The all-in account fee at UBS is 0.35% p.a. (excluding third-party fees).
    • The all-in account fee at Vontobel is 0.50% p.a. (excluding third-party fees).
    • The strategy is available for all risk profiles starting from an investment of CHF 25,000.
  • The market situation is decisive!
    I want to exploit the upside and hedge the downside.

    For you we suggest Lakefield Dynamic Swiss Core.

    This strategy aims for equity-like returns in a positive market and asset preservation in a difficult market environment. It invests in a broadly diversified portfolio of Swiss equities, bonds and liquid assets. Asset allocation is worked out in a systematic investment process with a track record going back many years.

    • The Descartes fees come to 0.30% p.a.
    • The Lakefield funds are held in a custody account at UBS or Vontobel.
    • The all-in account fee at UBS is 0.35% p.a. (excluding third-party fees).
    • The all-in account fee at Vontobel is 0.50% p.a. (excluding third-party fees).
    • The strategy is available for all risk profiles starting from an investment of CHF 25,000.
       
  • Cost-efficient and sustainable investments achieve added value!
    My strategy’s to focus on sustainable products with the lowest costs.

    For you we suggest Invesco Multi Asset ESG.

    In this strategy Invesco invests in the most cost-effective European UCITS ETS, which are globally oriented and comply with the principle of sustainability (ESG).

    The approach combines the ETFs to create globally diversified and sustainable portfolios with a strong exposure to US dollars. The expertise of the Invesco Multi Asset Management team is applied. Both at the asset class level and the portfolio level, Invesco takes risks only when they appear to be attractively rewarded.

    • The Descartes fees come to 0.30% p.a.
    • The ETFs are held in a custody account at UBS or Vontobel.
    • The all-in account fee at UBS is 0.35% p.a. (excluding third-party fees).
    • The all-in account fee at Vontobel is 0.50% p.a. (excluding third-party fees).
    • This strategy is available for the Income, Balanced and Growth risk profiles starting from an investment of CHF 25,000.

How to invest

1
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Click “Sign up”
and complete the investment profile

2
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Select your portfolio and custodian bank

3
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Sign the documents received by email or postal mail and return them

4
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Fund your investment account and manage your wealth

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Our partners

  • The UBS Group is a global firm providing financial services to private, corporate and institutional clients. The UBS Group is present in all major financial centers and has offices in over 50 countries. The UBS Group employs approximately 60,000 people around the world. The UBS Group's historical roots stretch back more than a century.

    www.ubs.com
  • OLZ is an independent Swiss asset manager (founded in 2001, FINMA regulated) that is specialised on the systematic improvement of the diversification and efficiency of portfolios. OLZ manages assets for institutional investors and private clients.

    www.olz.ch
  • Invesco is one of the world’s largest and leading independent investment managers with approx. USD 1,200 billion assets under management and on-the-ground presence in 25 countries, serving clients in more than 120 countries. Invesco has the global capability to offer investors access to attractive investment opportunities worldwide. In addition to a broad range of active funds, more than 100 Invesco ETFs include a wide choice of cost-effective products for key benchmark indices, factor-based strategies and innovative exposures.

    www.invesco.ch
  • Lakefield Partners is a FINMA-regulated Swiss asset manager serving a clientele of high-net-worth individuals and institutional investors in Switzerland and abroad. The company specialises in gearing portfolios to current and anticipated market conditions, managing both mixed and pure equity or bond portfolios.

    www.lakefieldpartners.com
  • Swiss Finance Service Center (SFSC) is an independent financial services provider founded in 2006. SFSC offers advice and solutions in the areas of retirement planning, pension planning, insurance, asset management and home financing.

    www.sfsc.ch
  • Vontobel is a globally-oriented Swiss private bank based in Zurich. It was founded in 1924 and employs approximately 2,000 employees worldwide. Vontobel specialises in wealth management for private clients and institutional investors and investment banking.

    www.vontobel.com
  • With more than € 700bn in AUM and almost 4,000 employees worldwide, DWS is a truly global asset manager. Its size and reach are fundamental to its capabilities and strength accross the Active, Passive and Alternatives investment spaces.

    www.dws.com
  • iShares is a global leader in exchange-traded funds (ETFs), with more than a decade of expertise and commitment to individual and institutional investors of all sizes. With over 800 funds globally across multiple asset classes and strategies and more than 1.5 trillion in assets under management, iShares helps clients, meet specific investment goals and implement market views. iShares funds are powered by the expert portfolio and risk management of BlackRock, trusted to manage more money than any other investment firm.

    www.ishares.com/ch
  • Swiss Rock Asset Management AG is an independent Swiss asset manager (founded in 2007, FINMA regulated). Their strategies systematically implement evidence-based research findings on the global financial markets. Swiss Rock is active in institutional asset management and fund management.

    www.swiss-rock.ch/en
  • Safe Swiss Cloud is a leading European cloud provider for data protection companies, software companies, IT service providers and banks.

    www.safeswisscloud.ch