How it works

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How it works

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Stability instead of speculation

Wealth preservation over generations is based on a long-term strategy. The RealUnit strategy aims to outperform the Swiss economy, as measured by its inflation-adjusted GDP.

Our investment strategy is based on the following three cornerstones:

At least 60% is invested in real assets. Real assets protect against inflation and increase stability.

At least 50% of assets are held outside the banking system. This increases our crisis resistance in the event of a future financial crisis.

We invest a maximum of 50% in companies (equities), mainly in Switzerland.

Key strategic assets

Real assets
Minimum requirement according to our investment guidelines 60%
Currently invested 73%
Outside the banking system
Minimum requirement according to our investment 50%
Currently invested 56%
Equity investments (shares)
Maximum requirement according to our investment guidelines 50%
Currently invested 37%

 As of 30.09.2024

Our asset allocation – which asset classes offer value stability?

The composition of the portfolio is crucial for long-term success. Our real value strategy is mainly based on the following three asset classes:

Physical precious and industrial metals

We hold gold, silver, platinum and industrial  metals in physical custody in high-security storage facilities in German-speaking Switzerland. They form the basis for preserving value in times of crisis.

Shares

Equity in mainly Swiss companies with a solid balance sheet, sustainable earnings and a crisis-resistant business model.

Physical Cash

The Swiss franc is one of the most stable fiat currencies in the world. We store this legal tender physically in high-security storage facilities in German-speaking Switzerland and have access to it at all times, even in the event of a financial crisis.

  • Physical metals* (42.5%)

    - 155 kg physical gold
    - 4,895 kg physical silver
    - 13 kg physical platinum
    - Various physical industrial metals

  • Shares (30.2%)

    - Focus on listed stocks mostly from Switzerland
    - Healthy and solid companies with crisis-resistant business models and long-standing dividend policies

  • Physical cash CHF* (12.1%)

    - CHF 4,500,000 in physical banknotes outside the banking system

  • Alternative investments (6.6%)

    - Unlisted stocks and alternative funds

  • Nominal assets (5.3%)

    - Short-term liquidity in bank deposits

  • Crypto* (3.2%)

    - 15 Bitcoin (BTC)
    - 99 Ether (ETH) staked

*stored outside the banking system in Switzerland
Balance as of 30.09.2024

Advantages of RealUnit compared to funds

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Wealth preservation over generations is based on a long-term strategy. The RealUnit strategy aims to achieve a performance that outperforms the Swiss economy, as measured by its inflation-adjusted GDP.

Who makes the investment decisions at RealUnit?

Our investment process is professional and no decisions are made unilaterally. The investment committee assesses the current global situation on a quarterly basis and makes recommendations on asset allocation. The internal investment committee, consisting of the CIO, CEO and Chairman of the Board of Directors, decides on the allocation and stock selection in accordance with our investment guidelines. The CIO is responsible for implementing the decisions of the Investment Committee and is bound by its investment policy guidelines and restrictions.

RealUnit So funktioniert’s

Investment guidelines

Key guidelines and restrictions

  • Investment guidelines

    The guidelines stipulate that investments should be made conservatively, whereby “conservative” is not to be understood as short-term nominal stability. This excludes, among other things, the use of leverage and borrowed capital.

  • Swiss Focus

    At least 70% of the invested capital must be invested in assets that are physically present and/or domiciled in Switzerland. Such assets must also be held with Swiss financial intermediaries that are headquartered in Switzerland and are not subsidiaries of foreign financial institutions. A maximum of 30% of the balance sheet is generally invested abroad.

  • Sustainability

    We strive to invest only in companies that run sustainable businesses. The Norwegian Government Pension Fund's exclusion list should be used as a guide when selecting stocks.

  • Investable assets

    All assets that can be considered and recognized as property under Swiss law. This includes traditional asset classes such as equities and commodities, but also all other investment instruments and property titles that are recognized under Swiss law.

  • Real and nominal assets

    At least 60% of the invested capital must be invested in real assets, while at no time may more than 40% be held in nominal assets.

  • System and counterparty risk

    In principle, the aim is for at least 50% of all assets to be held outside the banking system, while no more than 40% may be held via the same financial intermediary.

  • Diversification

    A maximum of 50% of the invested capital may be allocated to a single asset class (e.g. equities) and a maximum of 5% may be invested with the same issuer (with the exception of bank accounts and legal tender).

A strategy that keeps its promises – for over 23 years

Sources: Sources: Bloomberg, BFS, SNB und RealUnit Schweiz AG, 30.09.2024 / The RealUnit investment strategy has been implemented in various forms since 2000. 2000-2009: RealUnit backtesting calculations, 2010-2017: Swiss investment fund, 2017-2024: RealUnit Schweiz AG. The average of the largest funds of Swiss banks with a ‹Balanced› strategy serves as a comparison. Past performance is not an indicator of future performance.

The investment strategy of the RealUnit has been continuously fine tuned and optimized over two decades. The performance clearly shows that the RealUnit, with its focus on real assets such as precious metals and the hedging of equity investments, offers significantly better value preservation in times of crisis than the average of the largest Swiss “balanced” investment funds, even during severe downturns in the stock markets. This crisis resistance was successfully confirmed in three strong stock market corrections:

Financial crisis 2008/2009: In contrast to comparable funds with a balanced strategy (–25.57%), the RealUnit suffered a much smaller loss (–12.16%) and also rebounded to pre-crisis levels much faster (after 24 months compared to 76 months).

Covid crisis 2020: The funds made up for the massive slump in April 2020 and recorded an average performance of Ø +1.76% over the course of 2020. The RealUnit, on the other hand, achieved a much more solid annual return of +4.82% even in this crisis year.

Ukraine War 2022: Rising inflation worldwide and the outbreak of the war triggered another correction in the markets. The RealUnit underlined its crisis resilience with a limited loss of only –4.20% in 2022. The benchmark funds lost –15.83% during this period.