the information contained on the following pages is expressly not intended for natural or legal persons who, by reason of their nationality, place of residence or business or for other reasons, are subject to a jurisdiction that prohibits them from accessing such information on the basis of the legislation applicable to them. persons subject to such restrictions are prohibited from accessing the following web pages of FINDESSA AG. access to data on the following pages is intended exclusively for visitors from Switzerland. access to data on the following pages is not permitted for visitors from other countries, as the investment products on these web pages are not approved for distribution outside Switzerland, or only to a limited extent (for example, certain investment products are registered in England). these visitors must therefore leave the web page. in particular, no investment products are approved for distribution in the USA
Pursuant to Art. 10 para. 3 of the Collective Investment Schemes Act (CISA), the following legal entities apply:
(a) supervised financial intermediaries such as banks, securities dealers, fund management companies and asset managers of collective investment schemes, as well as central banks
(b) Supervised insurance institutions;
(c) Public-law corporations and pension funds with professional treasury;
(d) Companies with professional treasury operations;
Pursuant to Art. 10 para. 3 bis CISA and Art. 6 of the Collective Investment Schemes Ordinance (CISO), high net worth individuals are considered qualified investors if they confirm in writing that
(a) have, by virtue of their personal education and professional experience or comparable experience in the financial sector, the knowledge necessary to understand the risks of the investments and have assets of at least CHF 500,000
(b) have assets of at least CHF 5 million.
Financial assets that are directly or indirectly owned by the investor are to be allocated as assets:
Bank deposits at sight or on time
securities, including collective investment schemes and structured products
Life insurance policies with surrender value
Financial investments do not include direct investments in real estate, social security entitlements and occupational pension assets. the assets according to (b) may include immovable assets up to a maximum of CHF 2 million. the immovable assets are to be included at their net value. the net value is calculated based on the market value less all debts on the property.
Finally, investors who have concluded a written asset management agreement with
(a) a supervised financial intermediary
(b) an independent asset manager, provided
1. the latter is subject to the Money Laundering Act as a financial intermediary
2. it is subject to the rules of conduct of a professional organisation recognised by FINMA as minimum standards,
3. the asset management agreement complies with the guidelines of a professional organisation recognised by FINMA as a minimum standard.