Case Study 1
A client held precious metals valued at over EUR 1 million and was seeking a flexible, and above all secure, solution. Tigur Consulting provided access to a unique structure in Switzerland that is typically available only to institutional investors and not to retail clients.
The precious metals were stored with a reputable bank and remained fully — or even partially — physically deliverable at all times. The holdings were recorded off-balance sheet, thereby providing an additional layer of security for the client.
In addition, a tailored ETF solution was arranged. This structure did not affect the physical deliverability of the metals, while offering significant advantages and combining the best of both worlds:
- More competitive pricing, normally reserved for professional market participants
- Faster execution of purchases and sales
- Continued ability to trade the assets, even in the event of a lockdown
- Availability of the precious metals as collateral for potential financing needs
Case Study 2
A Dutch client held a substantial securities portfolio and owned a primary residence with an outstanding mortgage. His objective was to reduce his taxable assets in Box 3.
Tigur Consulting assisted him in opening an account with a leading Swiss bank, where he was able to obtain financing at highly competitive rates, using his investment portfolio as collateral. While his existing assets continued to generate returns, he used the loan proceeds to repay his mortgage.
The result:
- His home (Box 1) was fully repaid and no longer financed by a bank, but entirely owned by the client.
- The Swiss loan reduced his taxable assets in Box 3, resulting in significant tax savings.
- The portfolio generated more than sufficient returns to offset the financing costs.
A mortgage-free home and substantial savings on Box 3 taxation — a highly successful outcome.
Case Study 3
Another client became aware of the above structure — leveraging his portfolio to obtain financing and subsequently repaying his mortgage — but faced a dilemma. Borrowing in Swiss francs (CHF) was significantly more cost-effective than in euros (EUR), yet it introduced currency risk and therefore uncertainty. Could Tigur Consulting provide both financial advantage and peace of mind?
We proposed a straightforward yet highly effective solution. The client entered into two separate loan agreements: one portion of the financing was denominated in CHF and the other in EUR. This approach allowed him to benefit from the lower interest rates available in CHF, while mitigating currency exposure through the EUR-denominated loan.
In practice, the structure proved simple to implement. Within 48 hours, the client had the loan proceeds credited to his respective CHF and EUR accounts in Switzerland.
Interested in discovering whether Tigur Consulting can also deliver a bespoke solution tailored to your needs? The preferred commodities of our clientele are peace of mind and the freedom to focus on what truly matters.
Please contact us to arrange a confidential, personalized consultation.