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Ultra low cost best Private Banking - High Water Mark Fee calculation

If you want RGS, Bank of Scotland, Lloyds, Royal Bank or any other private banking bank in London to manage your account you have to match the private banking minimum requirements from 250 000 to 500 000 CHF/£. And even private banking clients who meet the minimum requirement will find out that they have to bear high cost and only get the mutual funds owned by the bank.

If you compare prices you find that SAMT AG offers private banking solutions for a much lower price than the classic private banking solutions.

-private-banking SAMT AG

SAMT AG offers two easy Pricing Models

Pricing Model with a fixed 0,04% per month

You will pay only 0,04% management fee per month based on NAV (or 0,48% per year) in the Core Program Module 1 for stocks, bonds and warrants.

Pricing Model with No win = No fee

You do not have to pay if we do not increase your wealth and your portfolio. This is valid for all modules and derivates (like futures and options). Pay only 20% on realized profits. The realized profits are measured on a high watermark base.

Only one pricing model will apply for each module, that means you have to pay 0,04% a month OR on a no win = no fee base 20% on realized profits on a high watermark base.

-private-banking

Example 1:

You have 70 000 CHF net asset value in the ETF enduring core model and 30 000 CHF in the module 2 for Algo Trading with a profit of 3 000 CHF.

The cost will be calculated with 0,04% based on 70 000 CHF net asset value means 28 CHF a month for the ETF enduring core model. For the module 2 Algo Trading Profit of 3 000 CHF you will be charged 20% on the high watermark profit, means 600 CHF.

The total payment is 28 CHF for the ETF enduring core and 600 CHF for the module 2 Algo Trading High Watermark. Both together equals a total payment of 628 CHF.

Example 2:

You have 70 000 CHF in the ETF enduring core model and 30 000 CHF in the module 2 for Algo Trading with a profit of 0 CHF.

The cost will be calculated with 0,04% based on 70 000 CHF means 28 CHF a month for the ETF enduring core model. For the module 2 Algo Trading Profit of 0 CHF you will be charged 20% on the high watermark profit, means 0 CHF.

The total payment is 28 CHF for the ETF enduring core and as the module 2 Algo Trading High Watermark had no profit there will be no payment for this. The total payment is 28 CHF for this month.

The no win= no fee high watermark fees will be calculated on the quarterly High Watermarks. The 20 percent fee will be calculated on a quarterly "mark-to-market P&L" basis at the end of a quarter. Thereby only new absolute high watermarks within the accounting period will be charged with a fee (gains and losses are considered).

The periods for these accountings are: quarterly 31.3., 30.6., 30.9., 31.12.

10 days after the end of quarter the fees will be automatically charged to the clients account. The client will receive an invoice of the debited amount.

Example for the billing after High Water Marking:

The billing after High Water Marking considers the cumulative losses per billing period. A gain will decrease the cumulative losses. No fees will be charged as long as a loss in the billing period persists. For new clients high water marking starts with the deposit.

Day Account value Deposit P&L Daily Gain Daily Loss High water marking Gain High water marking Loss
0 1000 1000 0 0 0 0 0
1 900 0 -100 0 -100 0 -100
2 920 0 20 20 0 0 -80
3 910 0 -10 0 -10 0 -90
4 920 0 10 10 0 0 -80
5 1020 0 100 100 0 20 0

Description of the billing in the above list:

Day 1: Loss of 100 is added to the cumulative losses.

Day 2: The gain of 20 is applied to the 100 loss from day 1. This leaves a loss of 80 that needs to be recovered by gains before fees are applied.

Day 3: Loss of 10 is added to the list of cumulative losses of 80. The total loss is 90.

Day 4: A gain of 10 re-decreases the total loss to 80.

Day 5: A gain of 100 brings the account into the profit zone, a High Watermark gain of +20 remains.

Final billing: During the billing period of 5 days a High Watermark gain of +20 occurred which will be calculated with 20 per cent fees, thus 4. The client has a total gain of 16 after High Watermark fees.

Radically reduced investing costs Year after year.

Here is an example of how much you can save over the years with a low cost approach. It is also possible to change the figures, allowing you to adjust in accordance with your current wealth management approach.

Investment Amount
CHF
Assumed portfolio return
% per year
SAMT
Enduring ETF core yearly fee
0,48 % per year
Other Banking
Fees and commissions
% per year
Hidden costs
% per year
Additional return in 20 years
CHF

Read further about the 5 benefits of SAMT AG Wealth Management

SAMT AG offers a range of benefits for a best in class Asset Management

We are regulated and registered as Wealth Manager in Switzerland

Extreme Low Prices and
No Win = No Fee

If you want RGS, Bank of Scotland, Lloyds, Royal Bank or any other private banking bank ... More >

Modular Wealth Management Strategies

We are offering these 3 types of trading modules and you can choose any of ... More >

Proven Scientific Automated Trading Algorithms

SAMT AG follows its own scientific investment philosophy and has a track record in ... More >

Proud to be Owner Operated and Consistently Independent

We do not operate or own any financial product which we might need to sell to ... More >

Money kept in Segregated Accounts

Segregated accounts are accounts in which the customer money is hold in the name of the ... More >

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Outstanding

We have successfully developed many free diversified ETF portfolios for our customers and they are more then happy and rated our service with stars based on reviews.

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SAMT AG Bleicheplatz 4, 8200 Schaffhausen, Switzerland +41 44 505 1169 web@samt.ag

We have successfully developed many free diversified portfolios for our customers and they are more then happy and rated our service with 5.00 from 5 stars based on 10 Reviews.