Portfolio composition
- Liquidity2.0%
- Bonds85.0%
- Equities0.0%
- Alternative investments13.0%
Invest strategically. Guided professionally.
Everyone has individual financial goals, whether independence, worry-free retirement or financial security for their family.
Traditional saving alone is no longer enough to achieve these goals today. Anyone who wants to build or preserve wealth sustainably needs a sound, flexible investment strategy – exactly what smzh Invest offers.
smzh Invest is neither a robo-advisor nor a traditional private bank. It is the first Swiss solution to combine digital efficiency, personal advice and a holistic view of total wealth.
Shape your wealth
So you can fund your dreams.
Looking ahead to the future
So you have more time for what really matters to you.
Think about tomorrow
So your wealth connects generations.
A professional wealth management solution, regardless of asset size or investment amount.
Invest according to your possibilities, either as a one-time investment or on an ongoing basis. You decide how much and for how long you want to invest. You can get started from as little as CHF 100.
You do not need to take care of your investments yourself. This leaves more time for other topics that matter to you.
Your goals at the center. We support you as a partner and adjust your strategy when your life circumstances change.
You always retain control and transparency over your wealth, either digitally through our app or through your personal advisor.
Choose the investment strategy that best suits your goals and needs, either online or in a personal consultation.
Based on the overall wealth analysis and your goals, we define an individual investment strategy. The focus is on your risk profile: How much volatility can and do you want to bear? What return objectives are you pursuing and over what investment horizon would you like to invest? Based on sound scientific insights, we work with you to find the balance between bonds, equities and alternative investments such as real estate or gold that corresponds to your risk profile. A higher equity allocation means higher risks, but also offers higher return potential. The investment strategy can be adjusted at any time.
Stand: 31.5.2026
The results shown for the years 2016–2024 are based on a backtest and represent simulated values. The backtest analyses how the current asset allocation structure would have developed in different historical market phases. Past performance is not an indication of future results.
| Average return | +0.9% |
| Average volatility | +3.2% |
| Lowest performance in a calendar year | -13.3% |
| Highest performance in a calendar year | +6.4% |
Contributions to pillar 3a reduce your tax burden while also enabling structured wealth accumulation over time.
You invest according to your possibilities, either as a one-time contribution or on an ongoing basis throughout the year. You decide how much and how often you would like to invest. You can get started from as little as CHF 100.
Choose an investment strategy that best suits your goals and needs, either online or in a personal consultation.
Your goals at the center. We support you as a trusted partner and adapt your strategy whenever your life changes.
You maintain a clear overview of your pension assets at all times, either digitally or through personal exchange with your advisor.
You can easily transfer your existing pillar 3a assets to us. Doing so is simple, secure and effortless.
Based on the overall wealth analysis and your goals, we define an individual investment strategy. The focus is on your risk profile: How much volatility can and do you want to bear? What return objectives are you pursuing and over what investment horizon would you like to invest? Based on sound scientific insights, we work with you to find the balance between bonds, equities and alternative investments such as real estate or gold that corresponds to your risk profile. A higher equity allocation means higher risks, but also offers higher return potential. The investment strategy can be adjusted at any time.
Stand: 31.5.2026
The results shown for the years 2016–2024 are based on a backtest and represent simulated values. The backtest analyses how the current asset allocation structure would have developed in different historical market phases. Past performance is not an indication of future results.
| Average return | +0.9% |
| Average volatility | +3.2% |
| Lowest performance in a calendar year | -13.3% |
| Highest performance in a calendar year | +6.4% |
Vested benefits are an important part of your pension capital and should be actively and strategically integrated, rather than sit idle.
With a targeted investment strategy, your vested benefits can contribute to the long-term stability and growth of your overall wealth.
Whether defensive, balanced or return-oriented, the investment strategy is aligned with your current situation, your plans and your investment horizon. Choose your strategy online or in a personal consultation.
Your goals at the center. We support you as a trusted partner and adapt your strategy whenever your circumstances change.
You maintain a clear overview of your pension assets at all times, either digitally or through personal exchange with your advisor.
You can easily transfer existing vested benefits. Doing so is simple and effortless.
Based on the overall wealth analysis and your goals, we define an individual investment strategy. The focus is on your risk profile: How much volatility can and do you want to bear? What return objectives are you pursuing and over what investment horizon would you like to invest? Based on sound scientific insights, we work with you to find the balance between bonds, equities and alternative investments such as real estate or gold that corresponds to your risk profile. A higher equity allocation means higher risks, but also offers higher return potential. The investment strategy can be adjusted at any time.
Stand: 31.5.2026
The results shown for the years 2016–2024 are based on a backtest and represent simulated values. The backtest analyses how the current asset allocation structure would have developed in different historical market phases. Past performance is not an indication of future results.
| Average return | +0.9% |
| Average volatility | +3.2% |
| Lowest performance in a calendar year | -13.3% |
| Highest performance in a calendar year | +6.4% |
The choice of your investment strategy and preferred implementation model forms the basis for operational implementation.
We do not think in isolated components, but in a consolidated, strategically managed structure – with clear responsibilities and one objective: to implement your long-term wealth goals efficiently, independently and transparently.
For operational implementation, we rely on collaboration with experienced partners.
of investment instruments by the smzh CIO: well-founded, evidence-based and independent.
by Everon as implementation partner: professional, efficient and competent.
at a custodian bank of your choice: transparent and securely held in your name.
We did not invent wealth management – but we make it accessible to everyone in just a few steps.
Step 1
Contact us for a personal consultation.
Step 2
Together, we analyze your financial situation holistically and define your individual investment strategy based on your goals and possibilities.
Step 3
Account opening with one of our partner banks and transfer of funds.
Step 4
We support you personally and proactively – transparently, clearly and independently. You do not invest in products, but in a partnership.
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smzh ag stands for an independent, comprehensive and tailored financial solution that is accessible to everyone. Regular personal exchange with our clients is particularly important to us. This is the only way we truly understand their goals and wishes, which are always at the center of our considerations. We do everything we can to find the optimal solution for our clients' situation today and in future.
The total costs amount to 0.75% for wealth management and 0.90% for pension solutions (Pillar 3a and vested benefits).
This includes management fees, custody fees, brokerage fees, foreign exchange costs and the tax statement, as well as our personal advice in particular.
Product fees are not included (depending on the strategy, between 0.08% and 0.25%), nor are statutory charges such as stamp duties and VAT.
You decide how much you want to invest – whether as a one-off amount or through a savings plan.
Our solutions are accessible regardless of income or wealth.
We place great importance on personal advice, regardless of your wealth or income.
Thanks to our independence, we can draw on a broad range of solutions tailored exclusively to your interests.
You benefit from transparent, objective advice and a comprehensive service without conflicts of interest.
In addition, our Family Office Light approach offers you holistic support across your entire financial ecosystem.
Your strategy is defined by the smzh Chief Investment Office (CIO) and implemented by our experienced wealth management partner Everon.
Yes. Our investment solutions are modular and flexible.
You can adjust your strategy, investment horizon or risk profile at any time.
No. With smzh Invest, you gain access to the same professional structures and strategies that are otherwise reserved for private banking clients – regardless of the size of your investment.
For our investment solutions, we rely on collaboration with proven partners: wealth management is carried out by Everon, while Liberty Pension Foundation acts as our partner for pension solutions.
For the choice of custodian bank, you can partner with Hypothekarbank Lenzburg, Julius Baer, UBS, Vontobel, Swissquote or VP Bank.
Your assets are held at a reputable custodian bank of your choice.
You can choose from Hypothekarbank Lenzburg, Julius Baer, UBS, Vontobel, Swissquote or VP Bank.
Your custody account is always held in your name, giving you access at all times as well as full transparency and security over your assets.
Through the Everon-smzh app, you can access and track the development of your investments around the clock.
Of course, our client advisors are available any time for personal advice.
Yes, you can sell all or part of your assets at any time – the corresponding funds will be available to you promptly.
Please note that, depending on the selected product or investment, a short settlement period may apply.