RESCAD

The need for competence, transparency and independence remains timeless in the financial consulting landscape. In a time where asset management is often influenced by external entities—whether through institutional mandates, product affiliations or market pressures—Swiss Financial Market Supervisory Authority (FINMA) certified RESCAD stands apart with a singular focus on understanding clients need, providing truly independent asset management.

This staunch independence is particularly crucial in today’s European financial landscape, characterised by rapid consolidation. As the industry shifts towards fewer, larger entities, the personalised touch in asset management often diminishes. RESCAD, with its unique approach, seeks to bridge this gap. By intimately understanding and addressing each client’s distinct needs, RESCAD crafts strategies that are thoroughly aligned with individual risk tolerances, financial goals and personal values, offering solutions that prioritise long-term value creation.

The company’s sole ownership by Gian Heim offers a distinct advantage—he can make swift strategic decisions and adapt to evolving regulatory requirements without the lengthy approval processes that hinder larger firms. Agility, combined with his deep expertise in investment management, enables RESCAD to provide an unmatched level of service and integrity while remaining fully responsive to clients’ needs.

Heim draws on his deep experience as the former chief investment officer of a Swiss pension plan at Rolex, where he spent over eight years advising the investment board and executing decisions that aligned with the plan’s long-term goals. His profound understanding of asset management extends beyond this role to serving as a board member for two charity foundations. In these positions, he advises on asset management strategies, working closely with foundation investment committees. Heim operates under a strict advisory mandate, which ensures that RESCAD does not directly manage assets to avoid conflicts of interest. This structure allows RESCAD to offer unbiased and well-considered guidance to all clients.

“We always provide advice best suited to our clients, upholding a standard of trust and transparency that is increasingly rare in the ever-consolidating world of finance,” says Heim, founder and CEO.

Among its key offerings is asset management, where RESCAD delivers highly personalised discretionary mandates designed to meet the individual requirements of each client. It provides Swiss-domiciled investment funds for qualified investors, which may be beneficial for non-Swiss residents once their own tax advisors analyse them for favourable tax implications. For its Swiss clientele, the firm presents a range of investment options, including multi-asset funds, a Swiss equity fund and certificates for Swiss real estate investments, akin to real estate investment trusts.

Providing clear and actionable financial guidance is RESCAD’s hallmark. It simplifies wealth planning for individuals in leadership roles by studying their pension and investment plans and closing any gaps while ensuring strict compliance with Swiss legal standards.

The analysis is helpful in solving demographic challenges in retirement schemes. Pension schemes now have more retired individuals than active participants, creating a significant imbalance. To tackle this, RESCAD is considering splitting pension plans by creating separate portfolio distributions for retirees and active contributors. This generational split allows for more custom-made asset allocation strategies and solves the problem of annual cash flow obligations.

The focus is on ensuring reliable cash flow and effective asset allocation through detailed asset and liability studies. RESCAD easily finds investments that offer better diversification and exhibit asymmetric behaviour, such as hedge funds, which solves the problem of the high expense ratio of investment products. This also helps clients with highly correlated asset allocations that move along with the market.

In Switzerland’s low-interest environment, RESCAD emerges as a champion in enhancing portfolio performance. By integrating new asset classes, such as senior loans and infrastructure investments, it provides clients with stable returns and ensures that long-term investment performance justifies costs.

Given the shifting economic landscape, RESCAD is set to play an increasingly vital role in preserving the tradition of Swiss financial expertise and better serving its clients’ needs, while swiftly adapting to the demands of a changing world.