OPPORTUNITIES IN 2024
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January 24, 2024
OUTLOOK FOR THE FINANCIAL MARKET AND OTHER IMPORTANT TOPICS FOR INVESTORS Dear Reader, Each new year is an opportunity to perform a new assessment
LGH & Associés is committed to transparency and relevance and helps individuals, entrepreneurs and families established in Switzerland or abroad to find simple, quick and effective financial solutions.
LGH & Associés is a company that was created by pooling the strengths and skills of independent asset managers acquired over many years.
Knowing our clients well is the best way to ensure the preservation and enhancement of their assets. Only personal contact can achieve this goal, cutting red tape and within the framework of a relationship of trust and dialogue.
Its network based on privileged relationships of trust and the dynamism created by new partnerships allow LGH & Associés to offer specific investments, adapted to your needs. In order to guarantee its independence, LGH & Associés partners with reputable custodian banks.
Based on a global analysis of your wealth, we set up a coherent, tailor-made and independent strategy to ensure the growth of your wealth while preserving it.
Our “30 years” of complementary experience have enabled us to set up a methodology that integrates your profile, whatever your wealth.
LGH & Associés is a Swiss company founded in 2022, active in asset management and managed by Laurent Hauswirth and Pascal Descloux. Having their own business for more than 10 years, they decided to pool their skills and their network in order to meet your ever-changing needs.
The External Asset Manager (EAM) always puts your interests at the heart of his professional activity.
The study of economic developments, financial markets as well as various sectors and companies allows us to identify investment opportunities.
A multidisciplinary approach combined with a monitoring function allows us to have a global vision of your assets.
By starting with an exchange of ideas, by listening to your concerns and by popularizing the various problems you have to face (sometimes complicated by certain establishments in order to enhance their products), we clarify the individual needs in order to allow you to clearly understand the stakes and to arrive at the best strategic choices.
Audit by our network of bankers (asset managers, financial analysts, credit managers, SME and corporate managers), insurance experts, real estate experts, tax experts, lawyers and financial planners is a structure comparable to a "human-sized" family office. Our organization can easily be compared to the asset management of large fortunes or the management of your company's capital, and enables us to respond to your needs efficiently.
We'll present you with the results of our specialists' evaluations and analyses, and help you make the right choices. Our solutions as well as our products allow you to benefit from our structure while keeping your relationships with your bank or your other providers. You benefit from transparent pricing, budgeted services, and fees negotiated directly by LGH with its various service providers.
After validation, we implement the different solutions. Together we set deadlines for each of our goals to improve follow-up.
We do not limit ourselves to the assets you entrust to us, but include in our thinking the whole of your assets. This approach allows us to take a global view. If, for example, you entrust us with the management of a securities portfolio, we define its importance and function together. Is it a simple liquidity reserve or does it represent a major part of your assets? Such a global vision allows us to control the overall risk for your assets. Moreover, it leads us naturally to a number of other considerations, in particular tax and inheritance, generating risk-free performance.
Your wealth evolves throughout your life, influenced positively or negatively by your various private or professional situations, but also by changes in the law and the markets. We (LGH and our partners) have the expertise and the overview. As soon as an opportunity arises, we will notify you! It is unfortunate that you only act when you meet with your advisors. Tracking your business and monitoring your assets allows you to anticipate and make the right decisions, which will ultimately lead to sustainable wealth creation.
In addition to our core business of independent asset management and thanks to the network we have built up in the course of our activity, we would like to offer you additional services. To do this we work closely with specialists in the following fields
We are looking for asset managers interested in leaving their bank
to join our team.
OUTLOOK FOR THE FINANCIAL MARKET AND OTHER IMPORTANT TOPICS FOR INVESTORS Dear Reader, Each new year is an opportunity to perform a new assessment
OUTLOOK FOR THE FINANCIAL MARKET AND OTHER IMPORTANT TOPICS FOR INVESTORS A turning point in the markets Dear Reader, Inflation, high interest rates, risks of
The first step is without obligation!
LGH & Associés helps individuals, entrepreneurs or families, whether or not they are established in Switzerland, to find simple, rapid and effective financial solutions.
+41 (0)21 311 29 60
+41 (0)79 286 41 14
p.descloux@lgh-associes.ch
+41 (0)21 311 29 60
+41 (0)78 860 14 44
l.hauswirth@lgh-associes.ch
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Titulaire du diplôme d’Economiste Bancaire, Laurent Hauswirth, gérant de fortune depuis plus de 30 ans, a occupé des fonctions à responsabilités dans diverses banques de renommée en Suisse et à l’étranger.
Grâce à son expérience et tout particulièrement lors des récentes crises boursières, il a constaté que le patrimoine des clients, malgré les stratégies dynamiques des banques, n’était pas suffisamment protégé en comparaison des grandes fortunes. C’est pourquoi, il s’est inspiré des systèmes de gestion de ces dernières afin de mettre en place une structure permettant à ses clients de bénéficier d’une gestion comparable et ainsi, d’optimiser la performance de leurs placements, mais surtout de réduire les risques.
Amateur de sports notamment le ski et le tennis, Laurent apprécie l’esprit de compétition, mais également le fairplay.
Épicurien, il goute volontiers aux moments conviviaux autour d’une table.
Titulaire d’un brevet fédéral d’employé de banque et d’une licence de conseiller financier, Pascal Descloux, a plus de 35 ans d’expérience à son actif. Il a travaillé dans les domaines de la banque, des assurances, des crédits privés et commerciaux, de l’analyse financière et de la gestion fortune. Il a dirigé une banque régionale.
Afin de mieux servir ses clients, il a décidé de créer sa propre entité en 2004. Il a constaté que les banques avaient une relation trop axée sur le profit à court terme et n’avaient pas la sensibilité nécessaire pour comprendre les besoins du client.
Initiateur et membre fondateur de ACCESS, regroupant une trentaine de sociétés de gestion de fortune indépendantes en Suisse, il a réussi à mettre en commun les compétences des membres afin d’en faire profiter les clients.
Président d’un club d’arts martiaux, Pascal Descloux s’intéresse aussi à la musique classique. C’est un fin connaisseur et amateur de vins de la région méditerranéenne.
Le gestionnaire de fortune indépendante (GFI) joue un rôle très important, et ce tout particulièrement durant les périodes de crise (Covid-19, guerre en Ukraine, inflationnistes, économiques, monétaires et financières, etc.), car il est toujours aux côtés de ses clients.
Il les aide à évaluer et possiblement atténuer l’impact de certaines situations difficiles financières, parfois aussi personnelles, qui pourraient autrement se produire.
Le GFI met toujours au cœur de son activité professionnelle les intérêts de ses clients. Son activité, règlementée de manière appropriée et conforme, contribue à consolider la confiance et la fidélité de ses clients.
Notre processus d’investissement se base sur plusieurs étapes. La première étape a pour but d’étudier l’évolution des différents indicateurs économiques afin de déterminer la situation macroéconomique actuelle et essayer de prévoir son évolution. La deuxième étape du processus d’investissement va porter sur l’analyse des entreprises. Dans cette étape, nous allons analyser le modèle d’affaire des sociétés, leur situation concurrentielle, et les perspectives quant à l’évolution de la marche des affaires compte tenu de la situation économique actuelle et à venir. Ensuite, nous analysons la situation financière des entreprises afin de juger la solidité de leur bilan et la rentabilité de leurs affaires. Pour les entreprises qui passent nos critères de qualité, nous procédons ensuite à une évaluation des titres (actions ou obligations), pour déterminer si ceux-ci nous apparaissent comme étant attrayants ou pas, et si leur potentiel de gains mérite ou non une place dans un portefeuille diversifié.
À la fin du processus d’investissement, une stratégie de placement diversifiée est établie pour chaque profil de risque du client. Cette stratégie de placement a pour but de traduire les objectifs financiers de chaque client dans un portefeuille diversifié et adapté à son profil de risque et à sa situation particulière. Notre processus d’investissement est effectué de manière régulière, et la stratégie d’investissement est revue selon les développements de l’économie et des sociétés.
Nous attachons une grande importance à aider nos clients pour déterminer leur profil de risque et trouver la stratégie de placement qui leur correspond le mieux. Une communication régulière est maintenue avec nos clients quant à leur stratégie de placement, la situation de leur portefeuille, ainsi que leurs besoins et souhaits spécifiques. LHG & Associés se veut proche de ses clients et à leur écoute.
L’intérêt du concept de Family Office est la notion de gestion globale et intégrée. La gestion de LGH & Associés ne se limite pas aux seuls actifs que vous nous confiez, mais nous incluons dans notre réflexion l’ensemble de votre patrimoine ainsi que vos enjeux professionnels et privés. C’est ce qui nous permet d’avoir, en tant que conseiller en patrimoine, une vision globale et une fonction de surveillance.
Vous pouvez ainsi obtenir des conseils haut de gamme qu’ils soient d’ordre bancaire, commercial, financier, immobilier, fiscal, juridique, successoral ou encore d’assurance et de prévoyance.
Dans une volonté de gestion globale et cohérente, nous vous offrons des conseils personnalisés quel que soit votre profil et votre fortune. En tant que propriétaire d’une entreprise que vous souhaitez transmettre ou vendre à terme, nous vous aidons à pérenniser son capital disponible.
Laurent Hauswirth has a degree in Banking Economics and has been an asset manager for more than 30 years. He has held positions of responsibility in various reputable banks in Switzerland and abroad.
Thanks to his experience, and especially during the recent stock market crises, he noticed that customers holdings were generally not sufficiently protected in spite of dynamic strategies put in place in Banks and in comparison to clients’ assets. This is why he was inspired to set up a structure allowing his clients to benefit from a comparable management similar service and thus, optimize the performance of their investments, but especially to reduce the risks.
As a sports enthusiast, especially skiing and tennis, Laurent appreciates the spirit of competition, but also fair play.
Epicurean, he enjoys convivial moments around a table.
Pascal Descloux holds a federal banking diploma and a financial advisor’s license. He has over 35 years of experience. He has worked in the fields of banking, insurance, private and commercial credit, financial analysis and asset management. He ran a regional bank.
In order to better serve his clients, he decided to create his own entity in 2004. He found that banks were too focused on short-term profit and lacked the sensitivity to understand the needs of the customer.
Initiator and founding member of ACCESS, which brings together some thirty independent asset management companies in Switzerland, he has succeeded in pooling the members’ skills in order to benefit clients.
President of a martial arts club, Pascal Descloux is also interested in classical music. He is a fine connoisseur and lover of wines from the Mediterranean region.
External Asset Manager (EAM) plays a very important role, especially during times of crisis (Covid-19, war in Ukraine, inflation, economic, monetary and financial crises, etc.), as he is always at his clients’ side.
It helps them assess and possibly mitigate the impact of some difficult financial and sometimes personal situations that might otherwise occur.
GFI EAM always puts the interests of its clients at the heart of its professional activity. Its activity, appropriately regulated and compliant, contributes to consolidating the trust and loyalty of its customers.
Our investment process is based on several steps. The first step is to study the evolution of the different economic indicators in order to determine the current macroeconomic situation and try to forecast its evolution. The second step of the investment process will be the analysis of the companies. In this step, we will analyze the business model of the companies, their competitive situation, and the prospects for the evolution of the business given the current and future economic situation. Then, we analyze the financial situation of the companies in order to judge the solidity of their balance sheet and the profitability of their business. For companies that pass our quality criteria, we then evaluate the securities (stocks or bonds) to determine whether or not they appear attractive to us and whether or not their earnings potential merits a place in a diversified portfolio.
At the end of the investment process, a diversified investment strategy is established for each client’s risk profile. The goal of this investment strategy is to translate each client’s financial objectives into a diversified portfolio tailored to their risk profile and specific situation. Our investment process is carried out on a regular basis, and the investment strategy is reviewed according to economic and corporate developments.
We place great importance on helping our clients determine their risk profile and find the investment strategy that best suits them. Regular communication is maintained with our clients regarding their investment strategy, portfolio status, and specific needs and wishes. LHG & Associés wants to be close to its clients and to listen to them.
The interest of the Family Office concept is the notion of global and integrated management. The management of LGH & Associés is not limited to the assets that you entrust us with, but we include in our considerations all of your assets as well as your professional and private issues. This is what allows us, as wealth advisors, to have a global vision and a monitoring function.
We can provide you with top-quality advice on banking, business, finance, real estate, tax, legal affairs, inheritance, insurance and personal protection.
We offer you personalized advice, regardless of your profile or assets, to ensure consistent, comprehensive management. As the owner of a business that you want to pass on or sell down the road, we can help you secure the future of your available capital.