/PublishingImages/header-expertise.jpg

Expertise

We determine the best solution for structuring assets by conducting transparent discussions around the following aspects: your expectations, your wealth and your activity, your projects and planning horizon, your structuring and investor profile.

Structuring

  • Asset structuring

    The best choice tailored to your needs

    In order to respond to your needs in terms of asset structuring, your relationship manager will enlist the help of highly qualified portfolio experts and specialists in financial planning and will draw on the expertise of our international network in order to respond to the requirements of an international portfolio, even enlisting the help, where necessary, of specialist partners such as notaries, lawyers, trusts, for both the structuring and planning of your portfolio (donations, inheritances and succession rights, matrimonial regimes, etc.) and also for the establishment of companies, foundations or trusts.

    On the basis of a fullstudy of your assets(equity and real estate, private and professional, national and international), coupled with personalised analysis, our financial specialists will offer you precise solutions that take into account allof the aspects relating to your assets and personal situation. The aim of asset planning is therefore to optimise your portfolio throughout yourlife, helping you to achieve your projects and making them feasible, and helping you to implement the best solutions as you flesh out your objectives.

    Our analysis tools integrate your aims in terms of retirement or donations, as well as your charitable projects, whilst also taking into account such parameters as tax and borrowing. We analyse the various resources as well as planned or likely spending, in order to manage the allocation of funds as effectively as possible. According to the parameters set by you, we then define a dynamic projection of your portfolio over time and set out various alternative scenarios.

    We take into account the following aspects:

    • your assets: liquid assets, goods, investments in transferable assets
    • your financial flows: real income and expenses
    • your longer-term plans: such as the purchase of a holiday home, financing your children's studies.
  • Diversification

    Our field of expertise enables us to offer you other options too:

    • Creation of a foundation;
    • Development and tax treatment of philanthropic campaigns;
    • Advice on international real estate;
    • Advice on private equity/venture capital and implementation of decisions,
    • Life insurance.
  • Change of residence

    Choose the best place to live

    We are regularly asked about this subject by our clients who are thinking about possibly changing their place of residence and wh​o seek our help. Certainly, the preferred destinations - whatever they may be - offer some advantageous tax measures.

    In this regard, the main criterion for benefiting from these advantages remains theplace of residence, the place from which the assets will be managed, and the placewhere the individual's major economic and personal links are based.

    Taking account of your situation, our analysts will propose:

    • professional and personalised support as you compare the different options open to you;
    • support in your wish to relocate by means of an exhaustive analysis of your situation, both in your country of origin and in your destination country;
    • proposals for organising or reorganising your portfolio before leaving while not only taking account of succession issues, but also the organisation of your assets upon arrival;
    • support with operational aspects

    Our tax, real estate and asset structuring experts as well as your relationship manager will advise you as you make your decision to move to a different country, in Switzerland or elsewhere...

Investment

  • Portfolio management

    Managing a large portfolio of assets requires availability and in-depth knowledge. BIL Suisse can assume this task for you, providing you with access to services with a high level of value added.

    BIL Suisse proposes managing your portfolio for you in an entirelytransparent process and follows an investment strategy which can be summarised as follows:

    • Our management philosophy: preserving your capital
    • Conviction management: focusing on absolute returns
    • Openness and transparency: explaining what we do, why we do it and how we do it
    • Open architecture: selection of best-in-class funds
    • Opportunistic approach: no obsession with benchmarks.
  • Financial instruments

    We work with all types of financial instrument

    All financial instruments available on the market can be included in our service (non-exhaustive list):

    • liquidity management;
    • bond market;
    • equities;
    • structured and derivative products;
    • forex or foreign exchange market;
    • traditional and alternative funds;
    • direct investments: venture capital and real estate;
    • commodities.
    • ...

    We champion and have implemented an open architecture principle: we therefore never hesitate to propose high-performance financial products developed by external service providers, even competitors, when we believe that they rank among the best on the market.

    For you, this open architecture is your guarantee of always having access to the best product. For us, it is an obligation to always be on the look-out, completely impartially, for the product that suits you the best and is the best performer.

  • Advisory management

    You choose and remain master of your investments

    Advisory management is what you need if you wish to remain the master of your choices whilst, at the same time, basing these choices on the recommendations of our experts. We will work to guide you, providing you with all of the information that you need to make decisions and to monitor your portfolio. Specifically, this is achieved through:

    • regular contact with your relationship manager or a financial advisor in order to focus on your portfolio situation, and your investor profile
    • personalised and proactive investment advice tailored to your situation,
    • buy, hold and sell recommendations with a price objective,
    • the availability of our trading floor, providing access to most stock markets (subject to terms and conditions) on the basis of the best conditions.

    You will continue to manage your portfolio yourself but will enjoy much greater speed, whilst receiving accurate and specific information on a regular basis.

    A true partnership

  • Discretionary management

    You choose to delegate the task of managing your assets

    You delegate the management of your assets to us. By means of this discretionary management mandate, your portfolio will be actively managed by a team of professionals, each specialising in a particular geographical zone of the financial markets. They are supervised by an investment committee, which sets the Bank's investment strategy on the basis of being the most efficient.On the basis of this mandate, we act in your best in​terests, complying with your investor profile and your investment aims, as defined by us together.

    The perfect combination of proximity to your relationship manager and the expertise of our analysts forms the cornerstone of your relationship with BIL Suisse. We can also offer you tailor-made management with a portfolio specific to your individual situation (integration of complex, international or even entrepreneurialdimensions), building on investment instruments and structures created especially for you. These solutions enable you to have a portfolio created on an exclusive basis, taking account of:

    • your preferences in terms of asset type - liquid (bonds, equities) or less liquid (alternative and real estate funds, private equity/venture capital, commodities, etc.), all in partnership with specialist managers;
    • your personal constraints;
    • your investment strategy, as defined jointly in advance;
    • your investment horizon.

    You delegate, we provide the expertise

Credit

Credit is one of the tools that can be used to manage your portfolio.

At any given time, credit can be used to help you seize an opportunity, to finance an acquisition without having to sell any assets or a portion of your portfolio,or even to plan complex restructuring, venture capital or an M&A transaction, not to mention the leverage effects that can be used in conjunction with some financial transactions.

BIL Suisse offers many different credit solutions, linked to the management of your portfolio or of your investments in Luxembourg or further a field. All these solutions are made possible by standard or even complex credit transactions which then require tailored analysis, documentation and monitoring. This is implemented by our Credit Structuring team as part of the credit policy defined for ourprivate clients.

We offer:

  • Lombard credit.
  • mortgage loans to facilitate purchases in Switzerland and in Europe.