The four seasons of the Kondratieff cycle
17. May 2024
- Stability and security. Made in Switzerland.
- Stability and security. Made in Switzerland.
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The RealUnit is a proven investment opportunity with increased crisis resistance for the long-term preservation of value. It is mostly backed by real assets, such as precious metals and investments in companies with strong balance sheets and sustainable earnings. At least half of the invested assets are held physically and safely stored outside the banking system in Switzerland.
As an investor, you are a shareholder and thus co-owner of RealUnit Schweiz AG.
You can find more information here: https://realunit.ch/en/the-solution/
RealUnit Schweiz AG is an independent investment company that invests in a broadly diversified range of performance- and asset-related real assets. The listed company was founded in 2017 and is based in Baar (ZG). Our goal is to replicate Switzerland’s economic growth in the long term and to protect the assets entrusted to us in the best way possible against crises and loss of purchasing power. You can find more information at: https://realunit.ch/en/about-us/vision-mission/
The RealUnit is backed by performance-oriented and real assets. At least half of the invested assets are held physically and stored safely outside the banking system in Switzerland. Our goal is to offer increased security and crisis resistance and to protect against losses due to inflation or economic and financial crises. You can find more information at: https://realunit.ch/en/the-solution/
The RealUnit was an investment fund in its initial phase. We opted for the current formation of an investment company in order to be able to invest more in assets outside the banking system. Funds must strictly adhere to the predefined restrictions and bandwidths per asset class and can therefore be to inflexible to react effectively to strong market distortions in a crisis. As an investment company, we can implement our investment strategy more flexibly and efficiently in accordance with our investment guidelines and with the aim of better protecting the capital entrusted to us.
The current key figures on return and volatility can be found in our fact sheet at: https://realunit.ch/en/about-us/downloads/. However, past figures are no guarantee of future performance. Our goal is to (at least) match or exceed the Swiss gross national product (GDP) growth with our own performance in order to maintain the purchasing power of our shareholders’ invested capital in the long term.
We do not charge you any fees. The ongoing costs are offset against the return on RealUnit. Our medium-term cost target is 1.2% p.a. When buying or selling the company’s shares through your bank, one-off transaction costs may apply depending on the bank. Details of our cost structure can be found in our audited financial statements, which we publish every six months at https://realunit.ch/en/about-us/downloads/.
As a general rule, you should not make any investments with capital that you will need for other purposes in the next 3 to 5 years. An investment in RealUnit is suitable for investors with a longer-term investment horizon.
We have clear investment guidelines that forbid speculation with the capital entrusted to us. You can find our investment regulations at the following link: https://realunit.ch/en/about-us/downloads/
Part of our underlying assets are precious metals and cash physically stored in Switzerland, as well as investments in solid companies with crisis-resistant business models and stable dividends. The current allocation can be found here: https://realunit.ch/en/the-solution/investor-relations/
In the future, the company may also invest in real estate and other real assets in accordance with the investment guidelines.
They are in various secure storage facilities in Switzerland. These high-security bunkers are operated by professional companies. All assets are 100% insured, in accordance with legal requirements.
Our auditing company Balmer Etienne AG periodically inspects our physical precious metal holdings and verifies their authenticity by taking random samples.
On the one hand, we do not pay negative interest thanks to physical storage. On the other hand, we have access to our cash at any time in a crisis and would therefore be less affected by capital controls, for example.
The Board of Directors of RealUnit Schweiz AG issues the investment guidelines and defines the key parameters in them. The investment committee is made up of Fidelis Götz (VRP), Daniel Stüssi (CEO) and Dr. Dietmar Peetz (CIO). The investment committee meets at least once a quarter and determines the asset allocation. The committee is advised by a large number of external specialists, whose brief CVs you can view at https://realunit.ch/en/about-us/team/. The selection of individual stocks is delegated to the CIO, who reports purchases and sales to the investment committee.
Further information on corporate governance can be found at: https://realunit.ch/en/the-solution/investor-relations/.
We focus on companies with a solid balance sheet and a reasonable valuation. The business model should also be highly crisis-resistant and the company should pursue a stable, long-term dividend policy.
Theoretically, the company can invest in any asset class. However, the following restrictions apply due to the investment guidelines:
The applicable investment guidelines can be found at: https://realunit.ch/en/about-us/downloads/.
We strive to use as few resources as possible as a company. It is also our goal to invest in companies that operate sustainable businesses. We apply the NORGES Bank’s exclusion criteria in relation to ESG guidelines: https://www.nbim.no/en/the-fund/responsible-investment/exclusion-of-companies.
The RealUnit share price is updated daily in the securities account of your bank. The price is also published by the BX Swiss AG exchange: https://www.bxswiss.com/instrumente/CH1129911108
Instruct your bank that you would like to receive the invitation to the ordinary general meeting of RealUnit Schweiz AG in the future. Unfortunately, this invitation will no longer be sent automatically to bearer shareholders. Token owners will receive the corresponding invitation directly from us by email. Also, subscribe to our newsletter to remain informed about our events and the developments of RealUnit.
There is currently no automated process. If you are interested, please contact us using the contact form.
Every quarter we publish an updated fact sheet and our “Fairwater Report”. Every six months we publish our semi-annual and annual financial statements. You can find all of these documents at: realunit.ch/downloads.
Subscribe to our newsletter “RealUnit Update” and you will receive all the latest news about RealUnit conveniently by email.
We appreciate your active referrals within your circle of acquaintances. Additionally, you will receive an annual invitation to our general meeting, where you can take part in deciding the future of RealUnit Schweiz AG.
If you use the Aktionariat app as a wallet solution on your mobile phone, you will find the annual tax statement under “Profile” and “Tax Report”. Otherwise, you can contact us via info@realunit.ch and request a confirmation for your tax authority.
The bearer shares of RealUnit Schweiz AG are listed on the BX Swiss AG stock exchange and can be traded there (ISIN: CH1129911108 / Security No.: 112991110 / Ticker: REALU).
We work with a Swiss bank that carries out what is known as “market making” for us. This is how liquidity is made available on the stock exchange. For larger volumes (from CHF 100,000), we recommend that you contact us.
You can sell your RealUnit shares via online banking or by telephone order to your bank. The current equivalent value in Swiss francs will then be credited to your bank account.
You can have the bearer shares stored in the traditional way in a securities custody account at a Swiss bank. Alternatively, it is possible to store the registered shares in the form of share tokens independently via a corresponding wallet on the Ethereum blockchain.
There are no restrictions on purchasing RealUnit. You can find instructions on how to buy it here.
There are no requirements for minimum investments. Ask your financial advisor for guidance on the amount of your planned investment.
There are no requirements. If you are planning an investment of more than CHF 100,000, please contact us for a direct placement.
If you hold 3% or more of the voting rights in the company, either alone or jointly with third parties, you are required under Swiss law to report your share purchases to us and to the BX Swiss AG stock exchange. This reporting obligation is in line with Article 120 of the Financial Market Infrastructure Act. To report to the company, use our contact form.
RealUnit Schweiz AG issues both bearer shares and registered shares. The reason for this is to make the bearer shares available as classic securities via the traditional financial system and the registered shares as Uncertificated Register Securities (share tokens) via the public Ethereum blockchain.
You can find a list of the differences on the following page: https://realunit.ch/en/buy-realunit/
NAV stands for “net asset value”. Also called intrinsic value, it is the sum of the assets minus the liabilities.
The “NAV” reflects the actual value of our company’s assets. Although the share price is based on the “NAV”, it can be higher or lower than the “NAV” depending on the market conditions on the stock exchange (supply and demand).
A token is a unit on the blockchain. Our share tokens are registered shares as ledger-based securities on the Ethereum blockchain. As the owner of the RealUnit tokens, you have the same rights as the owner of traditional shares.
For more information on the security of the stock tokens, please read the RealUnit registration agreement. Available at:
https://realunit.ch/ueber-uns/downloads/#registrierungsvereinbarung
No, because the issuer of the share tokens is RealUnit Schweiz AG, which means it is a centralized structure. Cryptocurrencies are digital assets that are stored in a decentralized database, usually a blockchain, and have no single/central issuer.
No, not in principle. The price of the share token is based on the intrinsic value (NAV) of RealUnit Schweiz AG. The NAV is the “net asset value” (= net asset value of the invested assets). We currently hold <1% of ETH, so it has a minimal impact on the NAV.
According to experts, the Ethereum blockchain is a very secure decentralized network. When you open your own wallet, you receive the private key. This is comparable to the password for your online banking. However, if someone steals your private key, they have access to your wallet. Likewise, if you lose your private key, you will no longer be able to access your wallet. Blockchain experts recommend using hardware wallets such as those from «Ledger» (https://www.ledger.com/de) or «Bitbox» (https://shiftcrypto.ch/de/) securely store larger amounts of money.
The purchase or sale of share tokens typically comes with blockchain transaction costs (especially “gas fees” on Ethereum), which are generally borne by the purchaser or seller.
The amount of the gas fee on Ethereum can vary greatly depending on the network utilization levels of the blockchain (the current gas fee can be seen here). Before initiating the transaction, your wallet should also show an estimate of the gas fee you are likely to be charged. If the gas fee is too high, we recommend that you carry out the transaction at a later time.
You can sell your share tokens on the following page https://realunit.ch/en/buy-token/#brokerbot
No, a conversion is not possible. However, you can sell your traditional shares on the stock exchange and buy share tokens for the equivalent in CHF via our automatic trading platform at https://realunit.ch/token-kaufen/#brokerbot.
The counterparty is RealUnit Schweiz AG. If you would like to trade share tokens worth more than CHF 100,000, please contact us in advance via info@realunit.ch or Tel. +41 41 761 00 90.
The price of our share tokens is listed at https://realunit.ch/token-kaufen/#brokerbot
The share tokens can be stored in an Ethereum-enabled wallet. You can find instructions on how to set up a wallet at the following link.
Yes, the tokenized RealUnit registered shares must be declared as assets in the tax return. Any capital gains are generally tax-free for private individuals in Switzerland. You can find more detailed information on taxation here, in Circular No. 36 of the ESTV.
Are you interested in investing in the RealUnit? Here you will find answers to the most frequently asked questions, information about purchases and our contact details. We are happy to help you with any questions you may have.
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RealUnit Schweiz AG is a listed investment company that invests in a broadly diversified range of real assets. We pursue the goal of protecting the assets entrusted to us from crises and loss of purchasing power in the best possible way.
