Receiving an inheritance: What to do with the inherited property?

Receiving an inheritance can be a turning point in life — both financially and emotionally. Suddenly, you are faced with the challenge of managing considerable wealth properly instead of simply spending it or investing it thoughtlessly. Especially in Switzerland, with its complex tax and legal system, you need more than just a good feeling: you need a clear strategy and in-depth know-how.

An overview of the most important things

• Inheritances involve opportunities and risks: Sudden growth in wealth requires a clear strategy to sustainably secure and increase the inheritance.
• Professional asset management protects and optimizes: Experts offer individual solutions that suit your life situation and goals.
• Diversification reduces risks: A broadly diversified portfolio helps to cushion market fluctuations and achieve stable returns over the long term.
• Transparency and control are crucial: With a independent asset management Always keep track of and control of your capital.
• Early advice avoids mistakes: Timely planning helps to avoid tax traps and build up wealth effectively.

Types of assets in inheritance

An inheritance can consist of various assets, each with different challenges and opportunities. In order to keep track of things and plan the next steps correctly, it is important to know exactly the composition of your heritage. The following table gives you a compact overview of the most common types of assets, their special features and typical administrative challenges.

• realty: Residential or commercial real estate in Germany or abroad. Evaluation, situation and market knowledge are important. Challenges: Liquidity, inheritance tax, value retention.
• Cash and bank deposits: Instantly available funds that offer rapid liquidity. Risk: low return and loss of inflation.
• Securities and funds: Stocks, bonds and investment funds. Advantage: diversification, disadvantage: market risk and tax treatment.
• Company shares: Investments in companies. Important: Business valuation and succession planning. Challenge: Liquidity and operational risks.
• Tangible assets (art, collections, etc.): Non-financial assets, which often require specialist knowledge. Risk: fluctuations in market value.

Each type of asset requires an individual strategy — from valuation to tax treatment to the right investment decision. Only with a holistic view can you sustainably protect and expand your heritage in the long term.

The first steps after the inheritance: gain clarity and act correctly

Receiving an inheritance can raise many questions and turn your everyday life upside down. It is therefore all the more important to proceed in a structured manner. A clear plan helps you understand your financial capabilities and make the right decisions.

The first steps after an inheritance

1. Create a balance sheet: Record all assets such as cash, securities, real estate and tangible assets.
2. Review the legal and tax situation: Observe inheritance and gift tax depending on the canton.
3. Evaluate liquidity requirements: Plan short-term spending without unnecessarily attacking capital.
4. Define long-term goals: Would you like security, growth, family security or transfer of wealth?
5. Professional asset management consider: Professional support from experts is worthwhile for assets of CHF 500,000 or more.

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Inheritance management mistakes: avoid expensive pitfalls

Dealing with an inheritance is often emotional and complex. Many heirs are faced with difficult decisions that can have far-reaching financial consequences. Common mistakes in managing inherited assets often result in unnecessary losses, tax disadvantages or even family conflicts. With a clear plan and professional support, you can avoid these pitfalls and utilize the full potential of your heritage.

The most common mistakes at a glance:

• Rushed expenditure → result in loss of capital. Solution: sustainable financial plans.
• Lack of strategy → increased risk of losses. Solution: tailor-made investment strategies.
• Inadequate tax planning → unnecessarily high tax burdens. Solution: early optimization.
• Emotional decisions → cause financial losses and conflicts. Solution: objective advice.
• No professional support → lack of transparency, inefficient use. Solution: Get expert knowledge.

Tip: Avoid the “invest everything immediately” trap. Without analysis, you risk making wrong decisions.

Especially with inheritances from CHF 500,000 Is it worth it on independent asset management to set. In this way, you can protect your heritage in the long term, avoid mistakes and benefit from tailor-made solutions that take into account your individual goals and needs.

Investing wealth: Why professional asset management makes sense

If you want to invest larger assets — whether through inheritance, sale of a property or other sources — you are faced with important decisions. Professional asset management not only offers expertise and tailor-made strategies, but also protects your capital from unnecessary risks and costs. In the complex Swiss financial market, individual support can make the decisive difference in maintaining and sustainably increasing your wealth over the long term.

• Expertise and experience: Knowledge of market cycles, risks, and opportunities
• Individual strategies: Tailored to personal goals, risk profile and time frame.
• risk management: Hedging to avoid losses and compensate for fluctuations
• Visibility and control: Clear cost structure and regular reports.
• saving time: Experts take over observation and make decisions.

Frequently asked questions about inheritance and asset management

When does professional inheritance management start to pay off?

From a net worth of around CHF 500,000 Is a worthwhile professional and independent asset management mostly special. Expert support pays off in this area, as complex investment strategies, individual risk management and tax optimization can contribute to protecting and growing the inheritance. Professional management creates real added value, especially when it comes to broadly diversified portfolios.

How do I avoid tax disadvantages when inheriting?

Inheritance tax in Switzerland is regulated differently from canton to canton and can vary significantly depending on the place of residence and degree of relationship. Early and individual planning together with experienced experts helps to minimize tax burdens and thus preserve more of the inherited assets.

What happens if I don't invest the inherited assets?

If you don't invest the inherited assets, inflation causes them to lose purchasing power continuously. Without a well-thought-out investment strategy, you risk that your inheritance will shrink in value rather than grow.

How do I find the right asset manager for my inheritance?

The asset manager for your inheritance is primarily concerned with Independence, transparent cost structure and personal support on. A partner with local know-how in Switzerland who understands your individual situation and offers tailor-made strategies is crucial to sustainably secure and meaningfully increase your heritage.

Personal advice in your area: Investing your inheritance correctly

We understand that inheritances are often associated with strong emotions. That is why we rely on a holistic, transparent and independent asset management. The focus is on your individual goals and values — whether capital preservation, growth or sustainable investment.

Our experts at the locations zurich, St. Gallen, basle and luzern support you personally and competently on your way to optimally structure and use your inherited assets. Agree