Investing
Investments to preserve and grow your wealth long-term
Northlake Partners designs investment strategies tailored to your life stage, risk capacity, and investment goals. As an independent advisor we are free in choosing banks, asset managers, and products, we recommend what is best for you.
Pension & taxes
Tax-optimised saving via the Swiss pension pillars
Pillar 3a (Säule 3a), Tax-advantaged retirement saving
Pillar 3a is one of the most effective instruments for tax-optimised retirement saving in Switzerland. Contributions are deductible from taxable income (2026: up to CHF 7,258 for those covered by an occupational pension; up to 20% of income for the self-employed). We compare Pillar 3a solutions from banks (interest accounts and securities-based products) and insurers (mixed policies) and develop a strategy that optimally balances your retirement goals with your personal tax bracket.
Pillar 3b (Säule 3b), Flexible saving and investing
Pillar 3b encompasses all private savings solutions outside the restricted occupational pension, savings accounts, securities portfolios, capital-building life insurance, and direct investments. Unlike Pillar 3a, contributions are not tax-deductible, but funds are available at any time. We design Pillar 3b strategies as a complement to Pillar 3a, covering goals such as home ownership, early retirement, or generational wealth transfer.
Tax Optimisation
An intelligent investment strategy considers not only return and risk but also tax implications. We analyse your investments from a tax perspective, withholding tax, capital gains, inheritance and gift tax, and work with our tax and legal advisors to find structures that reduce your tax burden and structure your estate efficiently.
Mandates & advisory
How we work with your wealth
Advisory Mandates
In an advisory mandate you retain decision-making authority, we develop concrete investment recommendations that you approve and execute yourself. This format suits investors who want to participate actively in decisions and seek an independent sparring partner for strategic investment choices. We define investment guidelines together with you, monitor your portfolio continuously, and propose adjustments when markets shift or life events occur.
Discretionary Mandates
In a discretionary mandate you transfer decision-making and execution authority to us within clearly defined investment guidelines. This format suits investors who wish to delegate ongoing portfolio management, we make investment decisions, execute purchases and sales, and provide periodic reports. Northlake Partners works with selected independent asset managers and banks.
Reporting & Monitoring
Transparency is the foundation of an investment partnership. You receive regular reports on the performance, asset allocation, and costs of your portfolio, clearly presented, comparable against benchmarks, and commented on by your advisor. We discuss the reports in personal meetings and adjust the strategy when your life situation or markets change.
Asset classes
How we structure your portfolio
Funds & ETFs
Actively managed funds and passive ETFs form the foundation of most investment portfolios. We combine both worlds, passive building blocks for efficient market exposure, active building blocks in segments where manager selection adds value (Swiss small caps, emerging markets, thematic strategies). Northlake Partners selects funds based on performance consistency, cost structure, and manager stability, and reviews regularly whether the selection still meets the original criteria.
Structured Products
Structured products can serve meaningful functions in a balanced portfolio, for example, yield enhancement in sideways markets or capital-protected participation in rising markets. We use them selectively and with discipline, examining issuer risk and secondary liquidity, and ensuring that the payout structure fits your market view and risk tolerance.
Sustainable Investing (ESG)
Sustainability is not only an ethical question, but increasingly a financial one, companies with strong ESG performance often show lower risk metrics and more stable returns. We design ESG portfolios at varying depths, from negative exclusions to best-in-class selection to impact investing, adapting the strategy to your personal values and goals.
Alternative Investments
Alternative investments, private equity, hedge funds, private debt, commodities, infrastructure, offer diversification beyond traditional equity and bond markets. They suit investors with longer investment horizons and sufficient liquidity in other parts of their portfolio. Northlake Partners opens access to institutional structures and selected private equity funds otherwise difficult for private clients to reach.
Without obligation
Let's discuss your situation
Every advisory engagement begins with a conversation, by phone, email, or in person in Zurich. We take the time to understand your situation before making recommendations. The initial consultation is free of charge and without obligation.