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Thank you for visiting our website and for your interest in our company. By accessing our website www.stg-wealth.com you agree to the following terms of use.
St. Gotthard Wealth Ltd. ("STGW") grants you a revocable, non-exclusive, non-transferable, and limited license to use this website when you visit it. This applies only if you accept these Terms of Use and comply with the restrictions set forth therein. You may not interrupt or influence the operation of the Website. All contents of this website are written in English and partly in German and are intended exclusively for customers residing in Switzerland.
STGW constantly checks and updates the information on the website. Despite all due care, data may have changed in the meantime. Any liability or guarantee for the topicality, correctness and completeness of the information and data provided is excluded. This also applies to all other websites to which hyperlinks are provided. STGW is also not responsible for the content of websites reached via such links.
The information on this website is solely for your own information. It does not constitute investment advice, tax advice or legal advice. Neither does it constitute an offer, a recommendation, or an invitation to make investment decisions of any kind whatsoever. Before making any investment decision, you should seek appropriate and expert advice. Orders for the purchase of investment fund units referred to on this website may only be made on the basis of the current sales documents relating to the respective investment. Please read these documents carefully before making your investment decision. Please note that the value of an investment may rise as well as fall. Investors must therefore be willing and able to accept losses on the invested capital. Investment results from the past do not allow any conclusions to be drawn about future performance.
The content and structure of our Internet pages are protected by copyright. The reproduction of information or data, in particular the use of texts, parts of texts or images, requires the prior consent of STGW. The creation of a hyperlink or inline link from another website to our website is prohibited without prior written consent.
STGW reserves the right to make changes or additions to the information or data provided without prior notice.
The use of the STGW website is subject to Swiss law. As far as legally permissible, Zug is agreed as the place of jurisdiction.
If at any time any provision (or part thereof) of these Terms is or becomes illegal, invalid, or unenforceable under the laws of any jurisdiction, the legality, validity, or enforceability of the remaining provisions (or parts thereof) of these Terms in that jurisdiction or any other jurisdiction shall not be affected.
Zug, April 27th, 2024
Thank you for your interest in our company and our services. St. Gotthard Wealth Ltd. ("STGW") attaches particular importance to data protection. The following information will give you an overview of the processing of your personal data by us and your rights under the Swiss Data Protection Act ("CH DPA") and the EU General Data Protection Regulation ("EU GDPR").
Responsible body is:
St. Gotthard Wealth Ltd.
Suurstoffi 14
6343 Rotkreuz
Switzerland
Telephone: +41 41 544 91 20
E-mail: info@stg-wealth.com
You can reach our data protection officer at:
St. Gotthard Wealth Ltd.
Mr. Christian Tanner
Suurstoffi 14
6343 Rotkreuz
Switzerland
Telephone: +41 41 544 91 20
E-mail: info@stg-wealth.com
Within the scope of the business relationship with you, it is necessary for STGW to process your personal data. This means that we collect, store, use, transmit or delete data. The legal basis for data processing can be the execution of a contract or a declaration of consent, or can be based on a legal obligation or to protect legitimate interests. 1. The processing of personal data (origin and categories of data):
2. The processing of personal data takes place on the legal basis of the CH DPA and EU GDPR for the provision of financial services within the framework of the execution of our contracts with you or for the execution of pre-contractual measures, which take place on your request. The purposes of data processing depend primarily on the specific product and may include, but are not limited to, needs assessments, advice, investment brokerage, asset management and support, and the execution of transactions. Further details regarding the purpose of data processing can be found in the respective contract documents and terms and conditions.
3. As part of our business relationship, you must provide the personal information that is necessary to establish and conduct a business relationship and to fulfil the related contractual obligations or for the collection of which we are required by law obliged. Without this data we will normally have to refuse the conclusion of the contract or the execution of the order or will no longer be able to execute an existing contract and may have to terminate it. In particular, according to the money laundering regulations obligations, we are obliged to collect and record your name, place of birth, date of birth, nationality as well as your residential address and identity card data prior to establishing the business relationship, for example on the basis of your identity card to identify. In order for us to be able to comply with the legal requirements of obligations, you must provide us with the necessary information and documents in accordance with the Money Laundering Act and notify us immediately of any changes arising in the course of the business relationship. If you do not provide us with the necessary information and documents, we may not establish or continue the business relationship you have requested.
4. As far as services for children are requested by the customers, we also collect personal data of children. Here we ensure that the holders of parental responsibility consent to the processing of personal data or in certain cases consent to the consent of the child.
5. We collect personal data from our suppliers and business partners in the course of our cooperation with them in order to ensure a smooth business relationship. We collect the data of our contacts within the organization, e.g. name, telephone number and e-mail address. We also collect bank information in order to make payments to our suppliers and business partners.
6. We may also collect personal information from individuals who have no direct relationship with us, such as any of the following:
7. If you have given us consent to the processing of personal data for certain purposes, the legality of this processing is given on the basis of your consent. Data processing for the purpose of establishing contact with us takes place on the basis of your voluntarily given consent, for example if you provide us with a business card for establishing contact. A given consent can be revoked at any time. If we wish to use your personal data for purposes other than those mentioned above, we will inform you accordingly and, if necessary, obtain your consent.
8. Within our house those places receive access to your data, which these need for the fulfilment of our contractual and legal obligations. Service providers and vicarious agents employed by us may also receive data for these purposes if they comply with our written data protection instructions. We may only pass on information about you if this is required by law, if you have consented or if contract processors commissioned by us guarantee compliance with the requirements of the CH DPA and EU GDPR. Under these conditions, recipients of personal data may be, for example:
9. we use your personal information to comply with various legal and regulatory obligations, including but not limited to Banking and financial regulations on the basis of which we take security measures to prevent abuse and fraud; detect transactions that differ from normal patterns; monitor and report risks to which we may be exposed. We also process data to prevent money laundering and terrorist financing; to respond to an official request from a competent government or judicial authority; to comply with sanctions and embargo regulations; to combat tax evasion; and to comply with tax control and reporting obligations.
10. As far as necessary, we process your data beyond the actual fulfilment of the contract to protect the legitimate interests of us or third parties. This includes in particular the following activities:
11. If international data transfers are made to countries outside the European Economic Area ("EEA") and a non-EEA country (e.g., the USA) is considered by the European Commission to provide an adequate level of data protection, the transfer of your personal data may take place on this basis. For transfers to non-EEA countries whose level of data protection has not been recognised by Switzerland and the European Commission, we may consider an appropriate exception (for example, if the data transfer is necessary to fulfil our contract with you) using standard contractual clauses to ensure the protection of your personal data.
12. We store your data for the duration of our contractual relationship. Your data will then be restricted for further use and will only be available for limited purposes from this point on. These purposes include in particular compliance with the statutory retention periods and the assertion, exercise and defense of legal claims, for example as proof of proper advice. The statutory limitation periods are up to 30 years (whereby the regular limitation period is 3 years), the statutory retention periods up to 10 years. We store proof of advice as long as claims can be asserted from it. If your data is no longer required for the above-mentioned purposes and all retention periods have expired, it will be deleted definitively.
13. Affected rights:
14. In principle, we do not use fully automated decision making (including profiling) for the establishment and execution of the business relationship. Should we use these procedures in individual cases, we will inform you separately if this is required by law.
15. We take reasonable and appropriate measures to protect the information we store and process from misuse, loss or unauthorized access. To this end, we have taken a number of technical and organisational measures and will update them on an ongoing basis. If you suspect that your personal information has been misused or lost or has been accessed without authorisation, please let us know as soon as possible.
16. To protect the security of your data during transmission, we use state-of-the-art encryption procedures (e.g. SSL) via HTTPS.
17. Our website www.stg-wealth.com automatically sends information to the server of our website through the browser used on your terminal device. This information is temporarily stored in a so-called log file. The following information is collected and stored until automated deletion: Name and URL of the retrieved file, IP address of the requesting computer (or terminal), date and time of the access, website from which the access is made, status code, transferred bytes, user agent.
18. We use cookies when visiting the www.stg-wealth.com website. Cookies are small texts that can be stored on your computer or mobile device by website providers. The purpose of a cookie is to make it easier for you to visit our website: A cookie enables us to make our services available to you individually. The cookies used do not have the purpose of collecting personal data from you. Cookies do not cause any damage to your end devices and do not contain any viruses, Trojans or other malware. We use so-called "session cookies" to recognise that you have already visited individual pages on our website. These are automatically deleted after leaving our site or expire after a certain period of time. In addition, we also use temporary cookies to optimise user-friendliness, which are stored on your computer or terminal for a specific period of time. In the event that you visit our website again in order to use our services, it is automatically recognised that you have already visited us and what inputs and settings you have made so as not to have to enter them again. These cookies expire automatically after a defined period of time. If you do not wish cookies to be used on your computer, you must delete our cookies from your hard drive yourself. Under no circumstances do we use the data from the cookies to draw conclusions about your person.
19. Against the background of constant technical change, these notes shall be adapted as necessary. Please check regularly and in particular before each use of a service whether an updated version is available. You can call up and print out the current data protection declaration at any time on the website at www.stg-wealth.com. This data protection declaration is currently valid and as of 5 November 2019. We reserve the right to change this data protection declaration from time to time. We will inform you about fundamental changes on the website and via the usual communication channels.
Information about your right of objection
1. Right of objection in individual cases You have the right to object at any time, for reasons related to your particular situation, to the processing of personal data concerning you carried out on the basis of data processing in the public interest and data processing on the basis of a balancing of interests; this also applies to a Pro�ling based on this provision. If you file an objection, we will no longer process your personal data unless we can prove compelling reasons for processing worthy of protection which outweigh your interests, rights and freedoms, or the processing serves the assertion, exercise or defence of legal claims.
2. Right to object to the processing of data for advertising purposes In individual cases we process your personal data in order to operate direct advertising. You have the right to object at any time to the processing of your personal data for the purpose of such advertising; this also applies to Pro�ling, insofar as it is connected with such direct advertising. If you object to the processing for purposes of direct advertising, we will no longer process your personal data for these purposes.
The objection can be made in any form and should be addressed to by telephone if possible: +41 41 544 91 20 or alternatively by sending an e-mail to info@stg-wealth.com.
The Financial Services Act ("FinSA") came into force in Switzerland on 1 January 2020. The FinSA obliges all financial service providers to provide clients with detailed information on financial services and financial instruments offered. St. Gotthard Wealth Ltd. ("STGW") has already provided very comprehensive information on STGW when the contract was concluded. We are pleased to comply with the further requirements of the legislator as follows:
You can reach STGW at the following contact details:
| Home and postal address: | St. Gotthard Wealth Ltd. |
| Suurstoffi 14 6343 Rotkreuz Switzerland |
|
| Telephone number: | +41 41 544 91 20 |
| E-mail: | info@stg-wealth.com |
| Website: | www.stg-wealth.com |
STGW is in the commercial register registered under the following company number: CHE-255.944.727
Managing directors are:
Christian Tanner (COO)
Daniel Egger (CIO)
Stefan Bollhalder (CEO)
The share capital amounts to CHF 1'000'000. 100% of the share capital of STGW is owned by Plutus Holding Ltd. 100% of the share capital of Plutus Holding Ltd. is owned by Yihong Yang. There are no economic ties to other third parties.
As a financial intermediary domiciled in Switzerland, STGW is licensed by the Swiss Financial Market Supervisory Authority FINMA ("FINMA") as a Portfolio Manager and subject to ongoing supervision by the independent Swiss Supervisory Organization FINcontrol Swiss Ltd. ("FINcontrol") FINcontrol is responsible for the supervision of its members in the fight against money laundering and terrorist financing. In its function as an industry organisation for independent portfolio managers FINcontrol supports independent portfolio managers in complying with key asset management principles. STGW will provide clients with an up-to-date confirmation of membership if they so wish.
Our VAT number is: CHE-255.944.727VAT
Our Legal Entity Identifier ("LEI") is: 5067008Y90MI4N1PUU89
Our Global Intermediary Identification Number ("GIIN") is: 7I025J.99999.SL.756
STGW is a "Reporting Financial Institution" under Model 2 IGA.
STGW offers asset management and investment advice and the distribution of a fund in which STGW is the investment manager. Other services can include portfolio analyses and investment proposals, capital-protected investment strategies and fund and hedge fund advice.
STGW does not itself hold any financial instruments or client assets in safe custody. STGW is not entitled to make cash dispositions, deliver securities or other
assets in its own favour or in favour of third parties. For this reason, measures for the separation of client funds are not envisaged. Clients' assets are held in
safe custody at institutions recognized as banks by the Swiss Financial Market Supervisory Authority FINMA ("FINMA") and subject to prudential supervision.
Under Swiss bankruptcy law, deposits with banks and securities dealers up to the amount of CHF 100,000 per person are privileged in the 2nd class. They are settled before most other unsecured claims. This ensures with a probability bordering on certainty that these amounts will also be paid out to clients. In addition, the Swiss banks' and securities dealers' deposit guarantee scheme ensures that these client balances of up to CHF 100,000 are paid out quickly, i.e., no later than 90 days after the bank or securities dealer closes.
A bank cannot offset claims against clients (e.g., mortgage) against their deposits (e.g., savings account). In accordance with the agreement between the Swiss banks and securities dealers on deposit protection, the banks have waived the right to offset against the depositor's debts up to the maximum privileged amount. This waiver is irrevocable and binding on the bank's decision-makers.
Securities (e.g., shares and bonds) are directly segregated by the liquidator as client property, do not fall within the liquidation assets and are therefore directly secured. A similar regulation applies to securities of investment funds. These investments therefore do not require deposit protection.
In the event of a bank's bankruptcy, physical precious metal (precious metals from a safe deposit box or custody account) is handed over immediately, as it has only been kept in safe custody. Credit balances on a metal account, on the other hand, are assigned to the 3rd bankruptcy class.
The exact costs can be found in the investment advisory or asset management agreement. It is possible that the client may incur additional costs and taxes as a result of future legal changes arising from investment advice or asset management in connection with the financial instruments and investment services purchased for him/her, which are not included in the investment advice or asset management agreement, and which may be charged to him/her. Payment shall be made by direct debit from the customer's account by means of the direct debit procedure. The customer therefore has the right to object.
The customer's own costs (e.g., for long distance calls, postage, but in particular all costs of the custodian bank) must be borne by the customer.
Disputes concerning claims of the customer against STGW should be settled by an ombudsman's office, if possible, within the framework of a dispute settlement procedure. The submission of a request for dispute settlement to an ombudsman does not exclude or prevent a civil action. STGW is affiliated with the following ombudsman's office:
| Name: | FINOS Finanzombudsstelle Schweiz |
| Address: | Talstrasse 20, 8001 Zurich, Switzerland |
| Phone: | +41 44 552 08 00 |
| Website: | www.finos.ch |
| E-mail: | info@finos.ch |
The advice and management by STGW are not restricted by internal guidelines as is the case with banks. As an independent asset manager, STGW performs the same tasks as banks, but the main difference is that STGW can make independent investment decisions according to its own convictions. This freedom allows STGW to advise the client more individually and to include a wider range of products.
Furthermore, STGW does not accept any benefits (including retrocessions) from banks and third parties in the case of asset management mandates and investment advice, nor does it pass them on to the client.
In the case of investment advisory and asset management clients, STGW checks in each individual case whether the financial instrument in question is suitable for the client ("suitability"), i.e., whether it is in line with the risk profile and the investment strategy before the purchase.
STGW undertakes to select securities with care. Only reliable sources of information are used to select investments and financial instruments.
As an investment advisory or asset management client of STGW, you will receive a statement of assets and liabilities on a regular basis (monthly, quarterly, semi-annually, or annually) together with a presentation of the absolute performance or a comparative figure ("relative performance" or "benchmark"). In the case of credit-financed portfolios and portfolios that provide for the use of leverage products, monthly reporting is planned. In the event of unexpected substantial losses within a reporting period, STGW will inform the client immediately. Your investment advisory or asset management contract contains further details in this regard.
The principles for dealing with conflicts of interest are set out in the Conflict of Interest Policy and those for the execution principles in the Best Execution Policy. The documents can be provided to clients on request.
In order to present STGW asset management services in a transparent manner, STGW measures them in terms of absolute performance or a benchmark. Any benchmark depends on the respective investment strategy. Further details are contained in the asset management agreement and the relevant appendices.
STGW will agree with you the investment objectives, the level of risk to be considered in the exercise of the discretion of the Manager and any limitations on that discretion. For individual custody accounts, these objectives will be set out with the client in the investment advisory agreement or in the asset management agreement.
STGW uses the valuation criteria of the respective custodian bank for the valuation of the financial instruments held in the client portfolio and is limited to the examination of the values delivered. The following must be observed:
The FIDLEG stipulates that financial service providers must classify their customers into one of three customer categories: Institutional clients (e.g., banks and insurance companies), professional clients (e.g. large companies) and private clients. Clients who are not institutional clients or professional clients are automatically private clients. Private clients enjoy the highest level of investor protection. As we are committed to this goal, we initially classify all clients as private clients. If you believe that you belong to a different client category, please let us know.
STGW will manage the assets subject to the asset management order for the account of the client, considering the investment principles agreed in writing in each individual case. STGW shall be entitled, at its own discretion, to take all administrative measures it deems appropriate for the Client, for the Client's account. In order to carry out the management, STGW shall be granted a power of attorney by the Client, which enables it to make dispositions of the assets subject to the management of the assets.
Securities transactions involve special risks due to their specific characteristics or the transactions to be carried out. In particular, the following risks must be mentioned:
The price of a security is subject to fluctuations on the financial market, over which STGW has no influence.
Therefore, the individual securities transaction cannot be revoked. Income generated in the past and increases in value
achieved in the past are no indicator of future income and/or increases in value.
Detailed information can be found in the brochure "Special Risks in Securities Trading" published by the Swiss Bankers
Association, which is distributed to the client by the custodian bank.
The customer has the right to terminate the contract in accordance with the conditions set out in the contract. The Customer has no right of cancellation regarding any securities transactions carried out within the framework of STGW's asset management.
The current prices for STGW's services are set out in the Investment Advisory or Asset Management Agreement.
The total fee will be collected by STGW from the Client's account. The collection will take place on the date stipulated in the contract.
STGW does not provide tax advice. If the customer has any questions about taxes, he should contact the tax authority responsible for him or his tax advisor. This applies in particular if he is liable to tax abroad.
Taxes may arise immediately and retroactively on the customer's securities transactions. These are to be borne by the customer himself and will be charged to his account/deposit.
STGW fulfils the Asset Management Contract by making dispositions for the Client's custody account and account using the power of attorney granted by the Client. It may place orders with the custodian bank in the name and for the account of the client. In this way, it designs the client's securities account and the assets entrusted to it for management. In addition, STGW sends the client a fee statement on the contractually agreed dates.
STGW begins to fulfil the asset management or investment advisory contract upon receipt of the assets in the account/deposit and only after all the necessary client details for the securities transactions have been provided and/or after the dates and deadlines stipulated in the contract.
The initiation of the contract is subject to Swiss law. According to the investment advisory or asset management contract, Swiss law applies to the conclusion of the contract and the entire business relationship between the customer and STGW. The place of performance is Zug. The place of jurisdiction for all proceedings is Zug. However, STGW shall also have the right to take legal action against the Customer at the competent court of his place of residence or any other competent court.
Status: March 27th, 2024
St. Gotthard Wealth Ltd.
Suurstoffi 14, 6343 Rotkreuz, Switzerland
Phone: +41 41 544 91 20
E-mail: info@stg-wealth.com
Christian Tanner (COO)
Daniel Egger (CIO)
Stefan Bollhalder (CEO)
Stock corporation
Zug
Commercial register office Kanton Zug, UID CHE-255.944.727
CHE - 255.944.727 VAT
5067008Y90MI4N1PUU89
7I025J.9999.SL.756
Mr. Christian Tanner
STGW is licensed by the Swiss Financial Market Supervisory Authority FINMA as a Portfolio Manager and subject to ongoing supervision by the independent Swiss Supervisory Organization FINcontrol Swiss Ltd.
This website is not intended for the general public. It is designed for use by Financial Intermediaries, Investment Companies, Financial Institutions, and providers of Financial Products.
Nothing within this website constitutes an invitation or offer to buy or sell any investment, nor is it intended to provide a basis on which to make an investment decision or a personal recommendation. The price and value of the investments may fluctuate past performance is not a guide to future performance and future returns are not guaranteed.
This website is not directed to any person in any jurisdiction where the publication or availability of this website is prohibited. Persons in respect of whom such prohibitions apply must not access this website.
Access is restricted to Qualified Investors and subject to successful identification. Therefore, all information contained in this part of the webpage is solely directed at such Qualified Investors. It is not allowed to directly or indirectly grant access to information or distribute information to other person other than Qualified Investors.
In many countries the investment funds mentioned in this part of the webpage are subject to restrictions in relation to publication and access via the Internet, marketing, offering and/or selling. Reference is made to the respective prospectus for any details; however, it is the obligation of each person to inform itself about and to obey any restrictions. Thus persons, being subject to any restriction shall not access this part of the webpage. In relation to a particular investment fund, all current versions of all documents in relation to such investment fund shall be considered. All further or additional reservations in such documents apply.
According to Art. 10 Para 3 of the Swiss Federal Investment Schemes Act (CISA), qualified investors are considered:
Independent asset managers and investors who have entered into a written asset management agreement with independent asset managers to the extent that:
A high-net-worth individual is someone who can confirm in writing that they directly or indirectly have net financial investments of at least 2 million Swiss francs.
Financial investments are bank assets (demand or time deposits), fiduciary assets, securities (including collective investment schemes and structured products), derivatives, precious metals as well as life insurances with a replacement value.
Direct investments in real estate and claims from social insurances (including claims from the 2. and 3. Pillar), are not considered financial investments.
The confirmation of financial investments must be submitted no later than the time the collective investment scheme is offered and distributed.
The advertiser or provider of the collective investment scheme must review the existence of the required financial investments if there are doubts as to whether the person qualifies as a high-net-worth individual.
A written confirmation is not necessary if the required financial investments are deposited at the bank or the securities dealer who is also offering or distributing the collective investment scheme.
Private investment vehicles which have been set up for private persons can be treated like high-net-worth individuals as long as they hold net investments of over 2 million Swiss francs.
You hereby acknowledge that you have read the Terms of Access for the restrictive part of this website and to fully consent to the Terms of Access as well as the terms and conditions of use of the website.
If you are a non-qualified investor, you are required to leave this website. For any queries about our funds please call +41 41 544 91 22
NEWS
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