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How to build a holistic wealth strategy – interview with Nannette Hechler-Fayd’herbe and Sabine Heller
Published in finews.first on 23 May 2025
Plan early, stay liquid: why entrepreneurs should integrate retirement planning into their overall wealth strategy. Entrepreneurs should avoid viewing their retirement planning in isolation from the rest of their wealth, write Sabine Heller and Nannette Hechler-Fayd’herbe in their contribution for finews.first.
Download our practical guide to optimising your assets before you retire.
As an entrepreneur, what are the best options available to you? To learn more, download our new publication ‘A practical guide to optimising your wealth before you retire’.
Download our practical guide to optimising your assets before you retire.
Early retirement and wealth planning is one of the most critical financial decisions in an individual’s life. Yet, it is often approached in isolation – disconnected from other elements of the balance sheet. Entrepreneurs, in particular, tend to focus primarily on the value growth of their business as their main source of wealth.
This narrow approach can expose them to significant risks and potential financial shortfalls later in life. Instead, a holistic view that integrates both private and business assets is essential. Entrepreneurs should ask themselves some fundamental questions early on: Are my resources sufficient to maintain my desired lifestyle? What impact would a sale or transfer of my business have on my personal wealth? What investment strategy will secure a stable income in retirement? Gifting and inheritance decisions also have consequences for liquidity and taxation – factors that should be incorporated into any robust financial plan.
The allocation should reflect a forward-looking, 10-year risk-return outlook across diversified asset classes
The foundation of this process is a realistic retirement budget – what will be needed on a monthly basis to sustain one’s lifestyle. From there, it is crucial to plan for short-, medium-, and long-term liquidity needs in alignment with individual goals and life stages.
To meet these needs effectively, we recommend structuring wealth across three distinct portfolios:
A liquidity portfolio, designed to cover day-to-day expenses and unforeseen costs,
A capital preservation portfolio, focussed on protecting wealth over the medium term while allowing for moderate market participation, and
A growth portfolio, aimed at long-term capital appreciation and enabling wealth transfer to future generations.
Strategic asset allocation across these portfolios should be grounded in the principles of sound investing and tailored to the investor’s individual risk profile. The allocation should reflect a forward-looking, 10-year risk-return outlook across diversified asset classes. This strategic setup not only anchors the majority of a multi-asset portfolio’s performance but also helps investors remain focussed despite short-term market volatility.
We firmly believe that time in the market matters more than timing the market
For long-term retirement planning, the fundamentals of disciplined investing become even more critical. In today’s multipolar world, both geographic and asset class diversification are necessary. Where appropriate, selective exposure to private markets may also enhance portfolio resilience.
Since retirement planning is about long-term investing – not market timing – we firmly believe that time in the market matters more than timing the market. Regular contributions into investment vehicles over time help smooth returns and harness the power of compounding. This disciplined approach turns market fluctuations into strategic opportunities.
A well-executed retirement strategy enables investors to align their financial goals across life stages while maintaining transparency and tax efficiency across banking relationships. For Swiss investors, staggered withdrawals from Pillar 2 and Pillar 3a pensions over several years can also reduce progressive tax burdens – enhancing after-tax wealth growth over the long term.
important information
This is a marketing communication issued by Bank Lombard Odier & Co Ltd (hereinafter “Lombard Odier”).
It is not intended for distribution, publication, or use in any jurisdiction where such distribution, publication, or use would be unlawful, nor is it aimed at any person or entity to whom it would be unlawful to address such a marketing communication.
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