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Founded in 1862, UBS is a Swiss bank that provides private banking, wealth management, asset management and investment banking services. Business insider recently ranked UBS as the 12th largest bank in Europe.
UBS has a presence all around the world, including Asia, EMEA and the US. They have $2.6 trillion of assets under management (as of 15th December, 2020) and 72,887 employees.
As a financial services provider based in Switzerland, UBS is subject to the consolidated supervision of the Swiss Financial Market Supervisory Authority (FINMA) and is regulated by the concerned authorities in each country of business.
UBS offers private clients wealth management and investment banking services that best suit their needs.
Their wealth planners call this the financial blueprint. In it, they detail a clients current circumstances and create a flexible investment plan based on that.
1. Investment services:
UBS's investment service claims to focus on the bigger picture for their clients, helping them make sense of it and creating an investment strategy that is in line with their needs.
UBS's investment services can be summarised below:
|Building a strategy||UBS's wealth managers help you identify your priorities and build your financial plan around that. What matters to you could be anything...wealth preservation, business growth, family wealth, etc.|
|Monitoring the markets||UBS's investment management process is said to help you navigate complex investment markets and optimise your investment portfolio to deliver the best results.|
|Managing your portfolio||The portfolio managers at UBS use research to update your portfolio and optimise it to adapt to market changes through continuous monitoring (we would recommend reading about the 3 key investment strategies and their differences here before making a decision).|
UBS offers an advised portfolio service that provides their private clients with research and recommendations from professional analysts.
A personal adviser is also assigned to clients as part of UBS Advice. This adviser offers recommendations to help clients keep their portfolios balanced and profitable.
UBS also claims to provide regular updates about new investment opportunities, continuous monitoring, access to a portfolio specialist and other online services.
Sharia-friendly solutions are also offered to clients.
2. Banking services:
UBS claims to support their client's banking needs anywhere in the world.
They offer a variety of banking solutions such as:
Other services related to art, businesses and wealth are also provided by UBS.
We would highly recommend reading the 'expert verdict' section of this review to make an informed decision.
Additionally, here's a free guide that can help you achieve better results. In this guide, you'll learn:
Lombard lending is taken by clients for three main reasons:
UBS also allows clients to take loans that are backed by property and real estate holdings.
Yes, UBS offers sustainable investment options.
They have a quiz to help you challenge your knowledge about sustainable investing and list steps to help you build a portfolio that has an impact on the world.
This includes checking your current portfolio, identifying the causes that are close to your heart and putting a plan in action.
You need a minimum investment amount of CHF 1,000,000 to take advantage of UBS's portfolio management services.
UBS offers a variety of investment strategies that clients are free to choose from based on their risk appetite. The options include:
UBS claims to help clients in the following ways through their personalised investment advisory service:
UBS is a very large, top tier private bank with a very well-known brand, making it a good option for senior international investors.
However the traditional values you would expect from a private bank, such as trust and an uncompromising duty of care, are harder to achieve, the larger the outfit. UBS also lacks independence and is only able to push its own products and services, as opposed to being able to offer you the best in the market.
Also, because UBS 'does everything', its private bankers are also likely to be incentivised to sell you a bit of everything.
If you are already a private banking client of UBS, we would recommend a no-obligation Second Opinion to ensure you are on track to reach your ideal future.
Additionally, we are happy to review the financial plan that has led to the investment portfolio you currently have.