Every year in March, the Wealth Officers devote themselves to cost control for clients. An administrative effort that is still unique and provides clients with a level of transparency that they cannot find anywhere else. The effort was also worthwhile for Cost Control 2025.
Budgets adhered to, but...
The audit checks whether the budgets agreed with banks and asset managers have been adhered to. This process has once again proven its worth because it disciplines the banks. Numerous new fees and minimum prices were again introduced in 2025. Overall, however, budget discipline has increased significantly. In 2025, budget overruns amounted to only 6% of cases.
Booking errors amounting to CHF 270,000
The extent of incorrect bookings may come as a surprise to non-experts. Unfortunately, it is still a common problem that is due less to bad intentions than to outdated and manually maintained banking systems. In this year's cost control alone, the Wealth Officers were able to identify erroneous charges amounting to CHF 270,000. These were reimbursed to clients by the banks and asset managers.
45% cheaper with a Wealth Office
As part of cost control, particular attention is also paid to overall costs. Where improvements are indicated, renegotiations are conducted. Over time, this approach leads to a continuously optimized fee structure for clients. The comparison shows that clients with a Wealth Office had 45% lower costs than the market as a whole in 2025.
Just for the sake of completeness, it should be repeated at this point: good banks and wealth managers are not expensive. All of Zwei Wealth's analyses paint a clear picture here. Good asset management is not more expensive than bad asset management. In fact, the opposite is true.
Source: Zwei Wealth, Cost Control 2025 (own analysis based on managed client portfolios)
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