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Federal Act on Financial Services (FinSA)
Information for our clients
General Information regarding FinSA
FinSA entered into force on January 1st, 2020. The act contains information and transparency requirements vis-à-vis the client, so that the client can make informed decisions when dealing with the bank and its offering of products and services. This applies in particular to transactions on securities, derivatives or forward transactions.
FinSA as well as the European regulation under MiFID II (in force since January 3rd, 2018) include the obligation to profile and segment clients.
The scope of investor protection depends on the classification into the segments of retail (private) clients, professional clients and institutional clients. Gutzwiller AG Zürich carries out the profiling whenever possible directly with the client, who, as a result, is informed about the classification into the respective segment.
Gutzwiller AG Zürich offer the following services:
- Discretionary portfolio management
- Investment advice
- Receipt and transmission of orders in relation to financial instruments
(Execution-only in relation to E. Gutzwiller & Cie, Banquiers)
Information regarding Gutzwiller AG Zürich and the Self-Regulation Organisation VQF
Gutzwiller AG Zürich is affiliated with the Self-Regulation Organisation VQF Financial Services Standards Association. The affiliation with FINControl Suisse Ltd, an independent Swiss Supervisory Organisation is envisaged for 2022, according to the dispositions of the Federal Financial Institutions Act (FinIA).
Gutzwiller AG Zürich is a subsidiary of E. Gutzwiller & Cie, Banquiers, an authorized bank and securities dealer of the category private bankers, regulated through FINMA.
Gutzwiller AG Zürich
Tel : +41 43 497 27 42
Tel : +41 41 763 28 20
FINcontrol Suisse Ltd
Tel : +41 41 767 36 00
Information regarding affiliation with Ombudsman’s office for financial services
Gutzwiller AG Zürich is affiliated with FINOS, officially recognized ombudsman service. This independent Ombudsman’s office guarantees a professional and serious handling of complaints concerning affiliated companies.
Finanzombudsstelle Schweiz (FINOS)
Tel : +41 44 552 08 00
Risk information, product information/key information document
Based on requirements by FinSA and in relation to investment activities of clients from the segment of retail (private) clients, we will provide product information relating to financial instruments as proposed or eventually as executed, as long as such is available.
In the brochure “Risks Involved in Trading Financial Instruments” by SwissBanking, you find information on typical financial services as well as on the characteristics and risks of financial instruments. You may download the brochure here.
Principles of best execution and handling of conflict of interests
The principles of best execution by Gutzwiller AG Zürich are laid down in the following fact-sheet.
Regarding the handling of conflict of interests, we refer you to the relevant fact-sheet. Gutzwiller AG Zürich is the investment advisor of the EG CHF Bond Fund (CHF), with E. Gutzwiller & Cie, Banquiers as main distributor. Further, Gutzwiller AG Zürich is Investment Manager in a number of Actively Managed Certificates issued by third-party financial institutions. For further details, please refer to your client advisor.
Information on costs and fees
Duties regarding Documentation, Rendering of account and Provision of documents
Clients may request to receive a copy of their file, provided to them on a durable data medium. In first line, the information will be
– on the received and executed orders
– on the composition, valuation and development of the portfolio in respect of the management of client assets
– on the development of the portfolio in respect of the management of client custody accounts
– on the specific costs which the financial service provider is required to provide details
Within the scope of these duties, it should be noted that the content of client exchanges is regis-tered. Currently, there is no recording of telephone conversations with clients taking place.