How it works
- Majority of investments in scarce real assets
- Greater flexibility in crises compared to bank funds
- Finance professionals actively manage the portfolio
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More InformationHow it works
- Majority of investments in scarce real assets
- Greater flexibility in crises compared to bank funds
- Finance professionals actively manage the portfolio
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More InformationStability 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
 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.
*stored outside the banking system in Switzerland
Balance as of 30.09.2024
Advantages of RealUnit compared to funds
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More InformationWealth 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.
- Voting rights as a shareholder: When you buy RealUnit shares, you automatically become a co-owner of the company. This gives you an indirect stake in the real assets and entitles you to a democratic vote at the Annual General Meeting
- Great flexibility: no rigid bandwidths per asset class as is the case with funds and therefore faster reaction time to major market events
- Increased crisis resistance: we hold over 50% of our investments physically in various high-security storage facilities in Switzerland. This means we have access to our gold, silver, industrial metals and cash, even in a banking crisis
- Sales do not lead to cash outflows: When shares are sold on the market, investment positions do not have to be sold in return, as is the case with funds
- Unrestricted investment universe: forms of investment such as private equity or cryptocurrencies can also be included in our asset allocation. The greatest possible diversification increases crisis resistance
- Freedom of choice between shares and share tokens: share tokens can be stored outside the banking system. With a âwalletâ, access is independent of third parties (similar to cryptocurrencies)
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.
Investment guidelines
Key guidelines and restrictions
The strategy delivers on its promise â 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 âšBalancedâş 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 âbalancedâ 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 (â25.57%), the RealUnit suffered a much smaller loss (â12.16%) 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 Ă +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 â4.20% in 2022. The benchmark funds lost â15.83% during this period.
