Wealth advice
Physical gold and investment gold
Gold pays neither interest nor dividends. People hold it mainly to diversify their wealth. You still need to choose the right form.
Physical or financial
- Bars and coins: you own the metal. It has to be kept somewhere safe and insured.
- Financial gold: funds or accounts backed by gold. Simpler to acquire and to resell, but you do not hold the bar yourself.
VAT
In Switzerland, investment gold is exempt from VAT: cast or minted bars with a fineness of at least 995 thousandths, marked with their fineness and the stamp of an assayer-melter, and gold coins issued by states (Federal VAT Act (LTVA), art. 107 para. 2, in French; VAT Ordinance (OTVA), art. 44). Jewellery and gold objects are not included.
Where to keep it
Bank safe-deposit box, specialist vault or at home: each solution has its own cost, access conditions and insurance. The purchase price is only part of the total cost.
What the law does not cover
A bar or a coin is not a financial instrument within the meaning of the Financial Services Act (FinSA, LSFin). The profile and suitability rules that apply to investments do not apply to it: all the more reason to put everything in writing.
What share?
There is no universal rule. Gold is priced in US dollars: its price in Swiss francs also depends on the exchange rate. A gold position should not exceed what you could see fall sharply without putting your plans at risk.
What I do
I help you choose the form (bars, coins or a financial investment), the size of the position and how to store it. You receive a written recommendation showing the purchase, storage and resale costs.
In collaboration with Callenium GmbH, a non-tied insurance intermediary.
Framework: Gold: [TO BE COMPLETED — regulatory status to be provided]. Details: see Legal information.
A share of gold in your wealth? Let’s see which kind.
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