our private banking expertise in switzerland.

Founded in Switzerland, Lombard Odier is a private bank of entrepreneurs, owned and managed by our Managing Partners. Our seven offices in Switzerland allow us to remain close to our clients in Geneva, Zurich, Lausanne, Fribourg, Vevey, Verbier and Zug. Our comprehensive range of products and services allow for a tailor-made service adapted to all your needs, whether it is management of your private wealth, your real estate, your business assets, your pension capital or even the capital of a foundation.

Our roots lie in Switzerland, but our vision is international. We invest in all the main global markets and our bank has more than a dozen booking centres around the world. With more than 200 analysts and investment specialists dedicated to asset management, we can deliver quality financial research and form strong investment convictions. In addition to investment performance, we focus particular attention on managing the tax impact of your investments¹ to give you the best possible overall performance after tax. 

As a Swiss private bank, custom investment solutions are at the heart of our wealth management approach. We cover all asset classes, both listed (shares, bonds, funds, etc.) and unlisted (private assets, private equity, real estate, infrastructure, etc.). To provide our clients with the best solutions on the market, we have also developed an open-architecture investment fund platform that includes external solutions selected by our specialists.

Finally, we have been developing a sustainable investment approach for more than 20 years. We have strengthened our expertise and teams in this area, founded on our conviction that sustainability is a core principle of long-term investment and will be a major source of future returns. Our expertise in asset management and sustainable development is regularly acknowledged by local and international awards.

To be sustainable and innovative in the long term, it is not enough to manage the present - we must also plan for the future. That is why we are constantly developing our wealth planning services, which are at the heart of our mission as a private bank.

In a rapidly changing world, effective wealth planning is critical. People are changing their businesses and domiciles more frequently. Wealth and family members are becoming increasingly international, calling for a global approach. As a business steeped in family tradition, we have a clear focus on upcoming generations and can support you with matters such as family governance and intergenerational transfers.

Services such as transfer of residence, pension planning, estate planning and tax-efficient management (TEM) delivered by our teams of experts and our international network, add real value for our clients. 

Pension assets are not subject to either income or wealth tax. As they are managed separately and segregated from other banking assets, potential tax efficiencies are often not optimally exploited.

At Lombard Odier, thanks to our system of consolidation and integrated management, we can sit down with you and together rethink the architecture of your company's pension scheme, your own pension plan and/or vested benefits account, applying an approach that encompasses all your assets. High-return financial assets are therefore allocated to your pension account, and low-return assets with the potential for capital appreciation, to your private account. Consequently, you can benefit from better performance after tax without any increase in risk.

We put in place strategies tailored to your circumstances across the entire Swiss pension framework (Pillar 2 supplementary pension buy-in schemes, 1e flexible-strategy senior management company plans, Bel Etage tax-deductible buy-in pension schemes, etc.). We have also forged partnerships with several leading Swiss pensions institutions, enabling us to offer you a comprehensive range of products and services in this area.

Buying a property is always an important step in the life of our clients.. Thanks to our in-house expertise in Swiss franc interest rates, we can advise you on mortgage structures, terms, rates and renewals, based on your particular situation and the market conditions. To give you the best support, and since we do not provide mortgage loans, we have also arranged privileged access to a recognised partner the broker MoneyPark.

We can help you to finance your property with a Lombard l The Lombard loan is a fixed-rate credit facility or pre-agreed advance backed by investments deposited as collateral and granted up to a certain percentage of their value. With a Lombard loan, the assets remain invested, with the borrower retaining all the benefits of the assets (e.g. voting rights and dividends deriving from equity positions).

 

digital solutions: e-banking and a cutting-edge technological platform.

We believe in a relationship enhanced by cutting-edge technology. We have been investing in the development of our own technological platforms for close to 30 years, from our portfolio management system to our dedicated client interfaces.

We have developed several digital solutions, such as My LO, where our clients can view their portfolios in a highly secure environment, as well as follow market news and our analysis.

Our expertise is also recognised by our peers and the industry: more than 200 financial institutions, including international banks, have adopted our digital solutions.

 

philanthropy: we understand your aspirations.

Our Group has always been involved in philanthropy, whether in its own name through the Lombard Odier Foundation or on behalf of our clients. Lombard Odier will support you and help you translate your aspirations into concrete actions. Together, we can design and structure your philanthropic projects to reflect your values and optimise their impact.

We can therefore help you to make your own foundation more effective or support you through our umbrella foundation, Fondation Philanthropia, which we created over a decade ago. This allows you to focus on achieving your philanthropic goals while we manage the administration.

¹ Bank Lombard Odier & Co Ltd does not provide tax advice. Clients requiring tax advice should consult an independent tax advisor.
² Although it has the same name, the Lombard loan has no connection to our Bank.

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