{"id":1407,"date":"2026-10-15T11:06:16","date_gmt":"2026-10-15T11:06:16","guid":{"rendered":"https:\/\/www.rotharia.com\/uncategorized\/how-swiss-foundations-put-chf-1596-billion-to-work\/"},"modified":"2026-10-15T11:06:16","modified_gmt":"2026-10-15T11:06:16","slug":"wie-schweizer-stiftungen-1596-milliarden-chf-einsetzen","status":"publish","type":"post","link":"https:\/\/www.rotharia.com\/de\/wealth-management\/philanthropy-impact\/how-swiss-foundations-put-chf-1596-billion-to-work\/","title":{"rendered":"Wie Schweizer Stiftungen 159,6 Milliarden CHF einsetzen"},"content":{"rendered":"<figure class=\"wp-block-image size-large\">\n<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/10\/rotharia_image_20261015_090b09.png\" alt=\"\" class=\"wp-image-1406\" srcset=\"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/10\/rotharia_image_20261015_090b09.png 1200w, https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/10\/rotharia_image_20261015_090b09-300x200.png 300w, https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/10\/rotharia_image_20261015_090b09-1024x683.png 1024w, https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/10\/rotharia_image_20261015_090b09-768x512.png 768w, https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/10\/rotharia_image_20261015_090b09-18x12.png 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/>\n\n<\/figure>\n\n\n<style>body.single-post .cm-featured-image { display: none !important; }<\/style>\n\n<p><span><span>Mit <\/span><span>Schweizer <\/span><span>Interesse <\/span><span>Preise <\/span><span>bei <\/span><span>Null, <\/span><span>Grundlagen <\/span><span>muss <\/span><span>entscheiden <\/span><span>wie <\/span><span>sehr <\/span><span>Bargeld <\/span><span>zu <\/span><span>behalten, <\/span><span>wie <\/span><span>zu <\/span><span>investieren <\/span><span>ihre <\/span><span>verbleibend <\/span><span>Verm\u00f6genswerte <\/span><span>und <\/span><span>wie <\/span><span>sehr <\/span><span>sie <\/span><span>kann <\/span><span>sich leisten k\u00f6nnen <\/span><span>zu <\/span><span>ausgeben <\/span><span>auf <\/span><span>wohlt\u00e4tig <\/span><span>Arbeit.<\/span><\/span><\/p><p><span>Die Schweiz <\/span><span>13.782 <\/span><span>wohlt\u00e4tig <\/span><span>Grundlagen <\/span><span>halten <\/span><span>a <\/span><span>insgesamt <\/span><span>CHF <\/span><span>159.6 <\/span><span>Milliarde <\/span><span>in <\/span><span>Verm\u00f6genswerte, <\/span><span>gem\u00e4\u00df <\/span><span>zu <\/span><span>der <\/span><span>Schweizer <\/span><span>Stiftung <\/span><span>Bericht <\/span><span>2026. <\/span><span>Die <\/span><span>Geld <\/span><span>unterst\u00fctzt <\/span><span>medizinisch <\/span><span>Forschung, <\/span><span>Bildung, <\/span><span>kulturell <\/span><span>Institutionen <\/span><span>und <\/span><span>sozial <\/span><span>Programme, <\/span><span>oft <\/span><span>durch <\/span><span>Verpflichtungen <\/span><span>dass <\/span><span>erweitern <\/span><span>\u00fcber <\/span><span>mehrere <\/span><span>Jahre. <\/span><span>Wie <\/span><span>Grundlagen <\/span><span>verwalten <\/span><span>ihre <\/span><span>Geld <\/span><span>bestimmt <\/span><span>nicht <\/span><span>nur <\/span><span>was <\/span><span>sie <\/span><span>kann <\/span><span>verteilen <\/span><span>heute, <\/span><span>aber <\/span><span>ob <\/span><span>sie <\/span><span>kann <\/span><span>Weiter <\/span><span>Finanzierung <\/span><span>diese <\/span><span>Aktivit\u00e4ten <\/span><span>in <\/span><span>der <\/span><span>Zukunft.<\/span><\/p><p><span>Die <\/span><span>finanziell <\/span><span>Herausforderung <\/span><span>hat <\/span><span>werden <\/span><span>gr\u00f6\u00dfer <\/span><span>als <\/span><span>Interesse <\/span><span>Preise <\/span><span>haben <\/span><span>gefallen als t<\/span><span>er <\/span><span>Schweizer <\/span><span>National <\/span><span>Bank <\/span><span>aufbewahrt <\/span><span>dessen <\/span><span>Richtlinie <\/span><span>Satz <\/span><span>bei <\/span><span>0% <\/span><span>in <\/span><span>September <\/span><span>2026, <\/span><span>Abfahrt <\/span><span>ein bisschen <\/span><span>Gelegenheit <\/span><span>zu <\/span><span>verdienen <\/span><span>Interesse <\/span><span>auf <\/span><span>gew\u00f6hnlich <\/span><span>Schweizer Franken <\/span><span>Einlagen. <\/span><span>Grundlagen <\/span><span>immer noch <\/span><span>Bedarf <\/span><span>bereit <\/span><span>Zugang <\/span><span>zu <\/span><span>Geld <\/span><span>f\u00fcr <\/span><span>Zusch\u00fcsse <\/span><span>und <\/span><span>in Betrieb <\/span><span>Ausgaben, <\/span><span>aber <\/span><span>Aufbewahrung <\/span><span>mehr <\/span><span>Bargeld <\/span><span>als <\/span><span>notwendig <\/span><span>kann <\/span><span>reduzieren <\/span><span>ihre <\/span><span>Investition <\/span><span>Einkommen.<\/span><\/p><p><span>Professionell <\/span><span>Grundlagen <\/span><span>haben <\/span><span>im Allgemeinen <\/span><span>antwortete <\/span><span>von <\/span><span>Investieren <\/span><span>am meisten <\/span><span>von <\/span><span>ihre <\/span><span>Verm\u00f6genswerte. <\/span><span>Demnach <\/span><span>zu <\/span><span>der <\/span><span>SwissFoundations <\/span><span>Benchmark <\/span><span>Bericht <\/span><span>2026, <\/span><span>teilnehmend <\/span><span>Grundlagen <\/span><span>abgehalten <\/span><span>ein <\/span><span>Durchschnitt <\/span><span>von <\/span><span>einfach <\/span><span>5% <\/span><span>in <\/span><span>Bargeld, <\/span><span>mit <\/span><span>der <\/span><span>Rest <\/span><span>investiert <\/span><span>vor allem <\/span><span>in <\/span><span>Aktien, <\/span><span>Anleihen <\/span><span>und <\/span><span>Eigenschaft. <\/span><span>Ihre <\/span><span>Portfolios <\/span><span>zur\u00fcckgegeben <\/span><span>ein <\/span><span>Durchschnitt <\/span><span>von <\/span><span>7.2% <\/span><span>in <\/span><span>2025.<\/span><\/p><p><span>Die <\/span><span>Ergebnisse <\/span><span>anzeigen <\/span><span>wie <\/span><span>gegr\u00fcndet <\/span><span>Grundlagen <\/span><span>verwalten <\/span><span>ihre <\/span><span>Geld, <\/span><span>obwohl <\/span><span>der <\/span><span>Umfrage <\/span><span>Umschl\u00e4ge <\/span><span>nur <\/span><span>55 <\/span><span>Organisationen. <\/span><span>Es <\/span><span>kann nicht <\/span><span>festlegen <\/span><span>wie <\/span><span>sehr <\/span><span>Bargeld <\/span><span>der <\/span><span>gesamte <\/span><span>Schweizer <\/span><span>wohlt\u00e4tig <\/span><span>Sektor <\/span><span>enth\u00e4lt <\/span><span>oder <\/span><span>ob <\/span><span>kleiner <\/span><span>Grundlagen <\/span><span>erhalten <\/span><span>wettbewerbsf\u00e4hig <\/span><span>Bankwesen <\/span><span>Begriffe.<\/span><\/p><h2><span>Die Schweiz <\/span><span>CHF <\/span><span>159.6 <\/span><span>Milliarde <\/span><span>Stiftung <\/span><span>Branche<\/span><\/h2><p><span>Die <\/span><span>Schweizer <\/span><span>Stiftung <\/span><span>Bericht <\/span><span>2026, <\/span><span>ver\u00f6ffentlicht <\/span><span>von <\/span><span>der <\/span><span>Mitte <\/span><span>f\u00fcr <\/span><span>Philanthropie <\/span><span>Studien <\/span><span>bei <\/span><span>der <\/span><span>Universit\u00e4t <\/span><span>von <\/span><span>Basel, <\/span><span>SwissFoundations <\/span><span>und <\/span><span>der <\/span><span>Universit\u00e4t <\/span><span>von <\/span><span>Z\u00fcrich, <\/span><span>setzt <\/span><span>der <\/span><span>Branche <\/span><span>Verm\u00f6genswerte <\/span><span>bei <\/span><span>CHF <\/span><span>159.6 <\/span><span>Milliarden. <\/span><span>Grundlagen <\/span><span>\u00fcberwacht <\/span><span>von <\/span><span>bundeseigene <\/span><span>Beh\u00f6rden <\/span><span>Konto <\/span><span>f\u00fcr <\/span><span>CHF <\/span><span>85.7 <\/span><span>Milliarden, <\/span><span>w\u00e4hrend <\/span><span>diese <\/span><span>unter <\/span><span>kantonal <\/span><span>Aufsicht <\/span><span>halten <\/span><span>CHF <\/span><span>73.9 <\/span><span>Milliarden.<\/span><\/p><p><span>Diese <\/span><span>Organisationen <\/span><span>haben <\/span><span>sehr <\/span><span>anders <\/span><span>finanziell <\/span><span>Bed\u00fcrfnisse. <\/span><span>Einige <\/span><span>verwalten <\/span><span>gro\u00df <\/span><span>Stiftungsverm\u00f6gen <\/span><span>und <\/span><span>besch\u00e4ftigen <\/span><span>professionell <\/span><span>Investition <\/span><span>F\u00fchrungskr\u00e4fte. <\/span><span>Sonstiges <\/span><span>betreiben <\/span><span>mit <\/span><span>begrenzt <\/span><span>Mitarbeiter, <\/span><span>abh\u00e4ngen <\/span><span>auf <\/span><span>Spenden <\/span><span>und <\/span><span>sich verlassen <\/span><span>auf <\/span><span>ehrenamtlich t\u00e4tig <\/span><span>Treuh\u00e4nder <\/span><span>zu <\/span><span>herstellen <\/span><span>finanziell <\/span><span>Entscheidungen.<\/span><\/p><p><span>A <\/span><span>Stiftung <\/span><span>gegr\u00fcndet <\/span><span>zu <\/span><span>Fonds <\/span><span>wissenschaftlich <\/span><span>Forschung <\/span><span>auf unbestimmte Zeit <\/span><span>muss <\/span><span>verwalten <\/span><span>dessen <\/span><span>Geld <\/span><span>anders <\/span><span>aus <\/span><span>ein <\/span><span>Organisation <\/span><span>Finanzierung <\/span><span>a <\/span><span>f\u00fcnfj\u00e4hrig <\/span><span>Programm. <\/span><span>Die <\/span><span>erstens <\/span><span>Bed\u00fcrfnisse <\/span><span>zu <\/span><span>erhalten <\/span><span>genug <\/span><span>Hauptstadt <\/span><span>zu <\/span><span>Unterst\u00fctzung <\/span><span>Zukunft <\/span><span>Zusch\u00fcsse, <\/span><span>w\u00e4hrend <\/span><span>der <\/span><span>zweitens <\/span><span>k\u00f6nnte <\/span><span>absichtlich <\/span><span>ausgeben <\/span><span>dessen <\/span><span>Verm\u00f6genswerte <\/span><span>als <\/span><span>Projekte <\/span><span>sind <\/span><span>abgeschlossen.<\/span><\/p><p><span>Diese <\/span><span>Unterschiede <\/span><span>beeinflussen <\/span><span>wie <\/span><span>sehr <\/span><span>Geld <\/span><span>Grundlagen <\/span><span>sollte <\/span><span>behalten <\/span><span>in <\/span><span>Barmittel. Operativ <\/span><span>Ausgaben, <\/span><span>genehmigt <\/span><span>Zusch\u00fcsse <\/span><span>und <\/span><span>Zahlungen <\/span><span>f\u00e4llig <\/span><span>innerhalb von <\/span><span>der <\/span><span>demn\u00e4chst <\/span><span>Monate <\/span><span>erfordern <\/span><span>ohne Weiteres <\/span><span>verf\u00fcgbar <\/span><span>Mittel. <\/span><span>Geld <\/span><span>engagiert <\/span><span>zu <\/span><span>Projekte <\/span><span>\u00fcber <\/span><span>der <\/span><span>Weiter <\/span><span>einige <\/span><span>Jahre <\/span><span>k\u00f6nnte <\/span><span>sein <\/span><span>investiert <\/span><span>mehr <\/span><span>vorsichtig, <\/span><span>mit <\/span><span>Investitionen <\/span><span>Reifung <\/span><span>wenn <\/span><span>Zahlungen <\/span><span>sind <\/span><span>f\u00e4llig. <\/span><span>Fonds <\/span><span>dass <\/span><span>wird <\/span><span>nicht <\/span><span>sein <\/span><span>erforderlich <\/span><span>f\u00fcr <\/span><span>a <\/span><span>lang <\/span><span>Zeit <\/span><span>kann <\/span><span>im Allgemeinen <\/span><span>sein <\/span><span>investiert <\/span><span>quer durch <\/span><span>a <\/span><span>breiter <\/span><span>Bereich <\/span><span>von <\/span><span>Verm\u00f6genswerte, <\/span><span>vorausgesetzt, dass <\/span><span>der <\/span><span>Stiftung <\/span><span>kann <\/span><span>standhalten <\/span><span>Verluste <\/span><span>ohne <\/span><span>Stornierung <\/span><span>dessen <\/span><span>Verpflichtungen.<\/span><\/p><p><span>Grundlagen <\/span><span>au\u00dferdem <\/span><span>Bedarf <\/span><span>zu <\/span><span>entscheiden <\/span><span>ob <\/span><span>ihre <\/span><span>Bargeld <\/span><span>Reserven <\/span><span>haben <\/span><span>werden <\/span><span>unn\u00f6tigerweise <\/span><span>gro\u00df. <\/span><span>A <\/span><span>Stiftung <\/span><span>mit <\/span><span>CHF <\/span><span>10 <\/span><span>Millionen <\/span><span>in <\/span><span>dessen <\/span><span>Konten <\/span><span>und <\/span><span>j\u00e4hrlich <\/span><span>Ausgaben <\/span><span>Verpflichtungen <\/span><span>von <\/span><span>CHF <\/span><span>1 <\/span><span>Millionen <\/span><span>hat <\/span><span>anders <\/span><span>Bed\u00fcrfnisse <\/span><span>aus <\/span><span>eins <\/span><span>Vorbereitung <\/span><span>zu <\/span><span>verteilen <\/span><span>der <\/span><span>dasselbe <\/span><span>Betrag <\/span><span>\u00fcber <\/span><span>zw\u00f6lf <\/span><span>Monate.<\/span><\/p><p><span>Aufbewahren <\/span><span>ausreichend <\/span><span>Geld <\/span><span>verf\u00fcgbar <\/span><span>ist <\/span><span>Teil <\/span><span>von <\/span><span>verantwortlich <\/span><span>Management. <\/span><span>Holding <\/span><span>erheblich <\/span><span>mehr <\/span><span>als <\/span><span>geplant <\/span><span>Ausgaben <\/span><span>erfordert <\/span><span>a <\/span><span>klar <\/span><span>Grund, <\/span><span>insbesondere <\/span><span>wenn <\/span><span>Einlagen <\/span><span>verdienen <\/span><span>ein bisschen <\/span><span>Einkommen.<\/span><\/p><h2><span>Was <\/span><span>Schweizer <\/span><span>Grundlagen <\/span><span>Verdienen <\/span><span>Von <\/span><span>Ihre <\/span><span>Investitionen<\/span><\/h2><p><span>Die <\/span><span>SwissFoundations <\/span><span>Benchmark <\/span><span>Bericht <\/span><span>2026 <\/span><span>zeigt <\/span><span>wie <\/span><span>professionell <\/span><span>verwaltet <\/span><span>wohlt\u00e4tig <\/span><span>Investitionen <\/span><span>durchgef\u00fchrt. Die <\/span><span>Studie <\/span><span>gepr\u00fcft <\/span><span>55 <\/span><span>Grundlagen <\/span><span>Holding <\/span><span>CHF <\/span><span>15.1 <\/span><span>Milliarde <\/span><span>in <\/span><span>insgesamt <\/span><span>Verm\u00f6genswerte. <\/span><span>Sie <\/span><span>verdient <\/span><span>ein <\/span><span>Durchschnitt <\/span><span>Investition <\/span><span>Zur\u00fcck <\/span><span>von <\/span><span>7.2% <\/span><span>in <\/span><span>2025, <\/span><span>im Vergleich <\/span><span>mit <\/span><span>8.1% <\/span><span>in <\/span><span>2024. <\/span><span>Ihre <\/span><span>kumulativ <\/span><span>Durchschnitt <\/span><span>Zur\u00fcck <\/span><span>da <\/span><span>2021 <\/span><span>erreicht <\/span><span>23.9%. Das <\/span><span>Durchschnitt <\/span><span>teilnehmend <\/span><span>Stiftung <\/span><span>investiert <\/span><span>49% <\/span><span>von <\/span><span>dessen <\/span><span>Verm\u00f6genswerte <\/span><span>in <\/span><span>Aktien, <\/span><span>20% <\/span><span>in <\/span><span>Anleihen <\/span><span>und <\/span><span>16% <\/span><span>in <\/span><span>Eigenschaft. <\/span><span>Bargeld <\/span><span>ausgewiesen <\/span><span>f\u00fcr <\/span><span>5%, <\/span><span>mit <\/span><span>der <\/span><span>Rest <\/span><span>abgehalten <\/span><span>in <\/span><span>Sonstiges <\/span><span>Investitionen.<\/span><\/p><p><span>Die <\/span><span>Zahlen <\/span><span>anzeigen <\/span><span>dass <\/span><span>Grundlagen <\/span><span>in <\/span><span>der <\/span><span>Umfrage <\/span><span>investiert <\/span><span>am meisten <\/span><span>von <\/span><span>ihre <\/span><span>Geld <\/span><span>in <\/span><span>finanziell <\/span><span>M\u00e4rkte <\/span><span>w\u00e4hrend <\/span><span>Aufbewahrung <\/span><span>a <\/span><span>relativ <\/span><span>klein <\/span><span>Teilen <\/span><span>in <\/span><span>Bargeld. <\/span><span>Sie <\/span><span>tun <\/span><span>nicht <\/span><span>festlegen <\/span><span>ob <\/span><span>jeder <\/span><span>Stiftung <\/span><span>abgehalten <\/span><span>genug <\/span><span>ohne Weiteres <\/span><span>verf\u00fcgbar <\/span><span>Geld <\/span><span>f\u00fcr <\/span><span>dessen <\/span><span>geplant <\/span><span>Ausgaben.<\/span><\/p><p><span>Investition <\/span><span>Ertr\u00e4ge <\/span><span>au\u00dferdem <\/span><span>vielf\u00e4ltig <\/span><span>gem\u00e4\u00df <\/span><span>zu <\/span><span>wie <\/span><span>sehr <\/span><span>Risiko <\/span><span>Grundlagen <\/span><span>akzeptiert. <\/span><span>Diese <\/span><span>mit <\/span><span>mehr <\/span><span>als <\/span><span>die H\u00e4lfte <\/span><span>ihre <\/span><span>Verm\u00f6genswerte <\/span><span>in <\/span><span>Aktien <\/span><span>erreicht <\/span><span>Durchschnitt <\/span><span>kumulativ <\/span><span>Ertr\u00e4ge <\/span><span>von <\/span><span>29.6% <\/span><span>\u00fcber <\/span><span>der <\/span><span>f\u00fcnfj\u00e4hrig <\/span><span>Zeitraum, <\/span><span>im Vergleich <\/span><span>mit <\/span><span>23.9% <\/span><span>quer durch <\/span><span>der <\/span><span>vollst\u00e4ndig <\/span><span>Beispiel.<\/span><\/p><p><span>H\u00f6her <\/span><span>Eigenkapital <\/span><span>Zuweisungen <\/span><span>kann <\/span><span>verbessern <\/span><span>Ertr\u00e4ge <\/span><span>\u00fcber <\/span><span>Zeit, <\/span><span>aber <\/span><span>sie <\/span><span>au\u00dferdem <\/span><span>aufdecken <\/span><span>Grundlagen <\/span><span>zu <\/span><span>gr\u00f6\u00dfer <\/span><span>Verluste <\/span><span>w\u00e4hrend <\/span><span>Markt <\/span><span>Konjunkturabschw\u00fcnge. <\/span><span>Ein <\/span><span>Organisation <\/span><span>dass <\/span><span>hat <\/span><span>versprochen <\/span><span>erheblich <\/span><span>Zusch\u00fcsse <\/span><span>kann nicht <\/span><span>zwangsl\u00e4ufig <\/span><span>warte <\/span><span>f\u00fcr <\/span><span>Teilen <\/span><span>Preise <\/span><span>zu <\/span><span>wiederherstellen <\/span><span>vorher <\/span><span>Herstellung <\/span><span>Zahlungen.<\/span><\/p><p><span>Grundlagen <\/span><span>muss <\/span><span>deshalb <\/span><span>Richter <\/span><span>Investition <\/span><span>Leistung <\/span><span>neben <\/span><span>ihre <\/span><span>Ausgaben <\/span><span>Verpflichtungen. <\/span><span>A <\/span><span>fett <\/span><span>j\u00e4hrlich <\/span><span>Zur\u00fcck <\/span><span>Anstiege <\/span><span>der <\/span><span>Wert <\/span><span>von <\/span><span>a <\/span><span>Portfolio, <\/span><span>aber <\/span><span>Gewinne <\/span><span>auf <\/span><span>Investitionen <\/span><span>dass <\/span><span>haben <\/span><span>nicht <\/span><span>gewesen <\/span><span>verkauft <\/span><span>tun <\/span><span>nicht <\/span><span>automatisch <\/span><span>bereitstellen <\/span><span>der <\/span><span>Bargeld <\/span><span>erforderlich <\/span><span>f\u00fcr <\/span><span>Zusch\u00fcsse. <\/span><span>Grundlagen <\/span><span>k\u00f6nnte <\/span><span>erhalten <\/span><span>Dividenden <\/span><span>und <\/span><span>Anleihe <\/span><span>Interesse, <\/span><span>ziehen <\/span><span>auf <\/span><span>Reserven <\/span><span>oder <\/span><span>verkaufen <\/span><span>Investitionen <\/span><span>zu <\/span><span>treffen <\/span><span>diese <\/span><span>Zahlungen.<\/span><\/p><p><span>Die <\/span><span>Betrag <\/span><span>verf\u00fcgbar <\/span><span>f\u00fcr <\/span><span>Zusch\u00fcsse <\/span><span>kommt darauf an <\/span><span>auf <\/span><span>der <\/span><span>Portfolios <\/span><span>insgesamt <\/span><span>zur\u00fcck, <\/span><span>der <\/span><span>der Stiftung <\/span><span>Ausgaben <\/span><span>Richtlinie <\/span><span>und <\/span><span>wie <\/span><span>sehr <\/span><span>Hauptstadt <\/span><span>Treuh\u00e4nder <\/span><span>beabsichtigen <\/span><span>zu <\/span><span>bewahren.<\/span><\/p><h2><span>Was <\/span><span>Null <\/span><span>Interesse <\/span><span>Preise <\/span><span>Mittelwert <\/span><span>F\u00fcr <\/span><span>Stiftung <\/span><span>Bargeld<\/span><\/h2><p><span>Die <\/span><span>Schweizer <\/span><span>National <\/span><span>Bank\u2019s <\/span><span>Entscheidung <\/span><span>zu <\/span><span>pflegen <\/span><span>dessen <\/span><span>Richtlinie <\/span><span>Satz <\/span><span>bei <\/span><span>0% <\/span><span>in <\/span><span>September <\/span><span>2026 <\/span><span>hat <\/span><span>aufbewahrt <\/span><span>Ertr\u00e4ge <\/span><span>auf <\/span><span>gew\u00f6hnlich <\/span><span>Schweizer Franken <\/span><span>Einlagen <\/span><span>niedrig. Banken <\/span><span>Satz <\/span><span>ihre <\/span><span>eigen <\/span><span>Einzahlung <\/span><span>Preise <\/span><span>und <\/span><span>Geb\u00fchren, <\/span><span>also <\/span><span>Grundlagen <\/span><span>k\u00f6nnte <\/span><span>erhalten <\/span><span>anders <\/span><span>Begriffe <\/span><span>je nachdem <\/span><span>auf <\/span><span>der <\/span><span>Einrichtung <\/span><span>und <\/span><span>der <\/span><span>Gr\u00f6\u00dfe <\/span><span>von <\/span><span>ihre <\/span><span>Salden. <\/span><span>Treuh\u00e4nder <\/span><span>kann <\/span><span>verhandeln <\/span><span>diese <\/span><span>Begriffe, <\/span><span>aber <\/span><span>Umschalten <\/span><span>Banken <\/span><span>kann nicht <\/span><span>Garantie <\/span><span>sehr <\/span><span>h\u00f6her <\/span><span>Ertr\u00e4ge <\/span><span>wenn <\/span><span>kurzfristig <\/span><span>Interesse <\/span><span>Preise <\/span><span>quer durch <\/span><span>der <\/span><span>Markt <\/span><span>sind <\/span><span>Schlie\u00dfen <\/span><span>zu <\/span><span>Null.<\/span><\/p><p><span>Sogar <\/span><span>klein <\/span><span>Unterschiede <\/span><span>in <\/span><span>Interesse <\/span><span>Preise <\/span><span>kann <\/span><span>hinzuf\u00fcgen <\/span><span>nach oben. A <\/span><span>Stiftung <\/span><span>Holding <\/span><span>CHF <\/span><span>5 <\/span><span>Millionen <\/span><span>in <\/span><span>Bargeld <\/span><span>w\u00fcrde <\/span><span>verdienen <\/span><span>CHF <\/span><span>25.000 <\/span><span>j\u00e4hrlich <\/span><span>bei <\/span><span>ein <\/span><span>Interesse <\/span><span>Satz <\/span><span>von <\/span><span>0.5%, <\/span><span>vorher <\/span><span>Geb\u00fchren <\/span><span>und <\/span><span>Steuern. <\/span><span>Bei <\/span><span>0%, <\/span><span>es <\/span><span>w\u00fcrde <\/span><span>erhalten <\/span><span>nein <\/span><span>Interesse. <\/span><span>Die <\/span><span>Vergleich <\/span><span>ist <\/span><span>veranschaulichend, <\/span><span>eher <\/span><span>als <\/span><span>a <\/span><span>Ma\u00dfnahme <\/span><span>von <\/span><span>Einkommen <\/span><span>derzeit <\/span><span>verloren <\/span><span>von <\/span><span>Schweizer <\/span><span>Grundlagen, <\/span><span>und <\/span><span>Verdienst <\/span><span>a <\/span><span>h\u00f6her <\/span><span>Zur\u00fcck <\/span><span>k\u00f6nnte <\/span><span>erfordern <\/span><span>akzeptierend <\/span><span>anders <\/span><span>Bedingungen <\/span><span>oder <\/span><span>Risiken.<\/span><\/p><p><span>Bankwesen <\/span><span>Kosten <\/span><span>au\u00dferdem <\/span><span>verdienen <\/span><span>Aufmerksamkeit, weil ein<\/span><span>Konto <\/span><span>Geb\u00fchren, <\/span><span>Sorgerecht <\/span><span>Geb\u00fchren, <\/span><span>Anlagemanagement <\/span><span>Geb\u00fchren <\/span><span>und <\/span><span>Transaktion <\/span><span>Kosten <\/span><span>reduzieren <\/span><span>der <\/span><span>Betrag <\/span><span>Grundlagen <\/span><span>behalten <\/span><span>aus <\/span><span>ihre <\/span><span>Investitionen.<\/span><\/p><p><span>A <\/span><span>0.25% <\/span><span>j\u00e4hrlich <\/span><span>Management <\/span><span>Geb\u00fchr <\/span><span>auf <\/span><span>a <\/span><span>CHF <\/span><span>20 <\/span><span>Millionen <\/span><span>Portfolio <\/span><span>Betr\u00e4ge <\/span><span>zu <\/span><span>CHF <\/span><span>50.000. <\/span><span>Bei <\/span><span>0.5%, <\/span><span>der <\/span><span>j\u00e4hrlich <\/span><span>Geb\u00fchr <\/span><span>steigt <\/span><span>zu <\/span><span>CHF <\/span><span>100.000, <\/span><span>unter der Annahme, dass <\/span><span>der <\/span><span>Geb\u00fchr <\/span><span>gilt <\/span><span>zu <\/span><span>der <\/span><span>vollst\u00e4ndig <\/span><span>Portfolio <\/span><span>Wert. <\/span><span>Grundlagen <\/span><span>Bedarf <\/span><span>zu <\/span><span>beurteilen <\/span><span>was <\/span><span>Dienstleistungen <\/span><span>sie <\/span><span>erhalten <\/span><span>in <\/span><span>Zur\u00fcck <\/span><span>und <\/span><span>ob <\/span><span>sie <\/span><span>k\u00f6nnte <\/span><span>erhalten <\/span><span>besser <\/span><span>Begriffe <\/span><span>anderwo.<\/span><\/p><p><span>Nach unten <\/span><span>Geb\u00fchren <\/span><span>tun <\/span><span>nicht <\/span><span>zwangsl\u00e4ufig <\/span><span>produzieren <\/span><span>besser <\/span><span>Investition <\/span><span>Ergebnisse <\/span><span>falls <\/span><span>g\u00fcnstiger <\/span><span>Dienstleistungen <\/span><span>Fehlschlag <\/span><span>zu <\/span><span>bereitstellen <\/span><span>der <\/span><span>Aufsicht <\/span><span>oder <\/span><span>Fachwissen <\/span><span>der <\/span><span>Organisation <\/span><span>Bed\u00fcrfnisse. <\/span><span>Treuh\u00e4nder <\/span><span>sollte <\/span><span>vergleichen <\/span><span>Kosten <\/span><span>neben <\/span><span>Portfolio <\/span><span>Leistung, <\/span><span>Risiko <\/span><span>und <\/span><span>der <\/span><span>Qualit\u00e4t <\/span><span>von <\/span><span>Berichterstattung.<\/span><\/p><p><span>Die <\/span><span>verf\u00fcgbar <\/span><span>Schweizer <\/span><span>Forschung <\/span><span>tut <\/span><span>nicht <\/span><span>festlegen <\/span><span>dass <\/span><span>Wohlt\u00e4tigkeitsorganisationen <\/span><span>im Allgemeinen <\/span><span>Bezahlung <\/span><span>\u00fcberm\u00e4\u00dfig <\/span><span>Bankwesen <\/span><span>Geb\u00fchren. <\/span><span>Es <\/span><span>tut <\/span><span>anzeigen <\/span><span>warum <\/span><span>Kosten <\/span><span>verdienen <\/span><span>Achtung <\/span><span>neben <\/span><span>Investition <\/span><span>gibt zur\u00fcck, <\/span><span>insbesondere <\/span><span>f\u00fcr <\/span><span>Grundlagen <\/span><span>dass <\/span><span>abh\u00e4ngen <\/span><span>auf <\/span><span>ihre <\/span><span>Portfolios <\/span><span>zu <\/span><span>Finanzen <\/span><span>Zusch\u00fcsse.<\/span><\/p><h2><span>Warum <\/span><span>Grundlagen <\/span><span>Kann nicht <\/span><span>Investieren <\/span><span>Jedes <\/span><span>Franc<\/span><\/h2><p><span>Grundlagen <\/span><span>haben <\/span><span>finanziell <\/span><span>Verpflichtungen <\/span><span>dass <\/span><span>herstellen <\/span><span>Zugang <\/span><span>zu <\/span><span>Bargeld <\/span><span>als <\/span><span>wichtig <\/span><span>als <\/span><span>Investition <\/span><span>Leistung. Viele <\/span><span>genehmigen <\/span><span>Finanzierung <\/span><span>mehrere <\/span><span>Jahre <\/span><span>vorher <\/span><span>der <\/span><span>Geld <\/span><span>ist <\/span><span>bezahlt. <\/span><span>A <\/span><span>Stiftung <\/span><span>unterst\u00fctzend <\/span><span>a <\/span><span>Universit\u00e4t <\/span><span>Forschung <\/span><span>Programm <\/span><span>k\u00f6nnte <\/span><span>commit <\/span><span>zu <\/span><span>j\u00e4hrlich <\/span><span>Zahlungen <\/span><span>unabh\u00e4ngig davon <\/span><span>von <\/span><span>wie <\/span><span>finanziell <\/span><span>M\u00e4rkte <\/span><span>ausf\u00fchren. <\/span><span>Sonstiges <\/span><span>Bedarf <\/span><span>Geld <\/span><span>verf\u00fcgbar <\/span><span>f\u00fcr <\/span><span>Geh\u00e4lter, <\/span><span>Eigenschaft <\/span><span>Wartung <\/span><span>oder <\/span><span>dringend <\/span><span>wohlt\u00e4tig <\/span><span>Projekte.<\/span><\/p><p><span>Treuh\u00e4nder <\/span><span>muss <\/span><span>Konto <\/span><span>f\u00fcr <\/span><span>diese <\/span><span>Verpflichtungen <\/span><span>vorher <\/span><span>Entscheiden <\/span><span>wie <\/span><span>sehr <\/span><span>Geld <\/span><span>zu <\/span><span>investieren. Bargeld <\/span><span>kann <\/span><span>sein <\/span><span>aufgeteilt <\/span><span>in <\/span><span>drei <\/span><span>breit <\/span><span>Kategorien <\/span><span>gem\u00e4\u00df <\/span><span>zu <\/span><span>wenn <\/span><span>es <\/span><span>wird <\/span><span>sein <\/span><span>ausgegeben: <\/span><span>in Betrieb <\/span><span>Mittel <\/span><span>f\u00fcr <\/span><span>sofort <\/span><span>Zahlungen, <\/span><span>Reserven <\/span><span>f\u00fcr <\/span><span>Verpflichtungen <\/span><span>\u00fcber <\/span><span>der <\/span><span>Weiter <\/span><span>einige <\/span><span>Jahre <\/span><span>und <\/span><span>langfristig <\/span><span>Hauptstadt <\/span><span>beabsichtigt <\/span><span>zu <\/span><span>Finanzen <\/span><span>Zukunft <\/span><span>wohlt\u00e4tig <\/span><span>Arbeit.<\/span><\/p><p><span>Die <\/span><span>Betr\u00e4ge <\/span><span>in <\/span><span>jeweils <\/span><span>Kategorie <\/span><span>abh\u00e4ngen <\/span><span>auf <\/span><span>der <\/span><span>der Stiftung <\/span><span>Aktivit\u00e4ten <\/span><span>und <\/span><span>Quellen <\/span><span>von <\/span><span>Einkommen. <\/span><span>Ein <\/span><span>Organisation <\/span><span>Empfang <\/span><span>vorhersehbar <\/span><span>j\u00e4hrlich <\/span><span>Spenden <\/span><span>kann <\/span><span>verwalten <\/span><span>dessen <\/span><span>Bargeld <\/span><span>anders <\/span><span>aus <\/span><span>eins <\/span><span>dass <\/span><span>st\u00fctzt sich auf <\/span><span>fast <\/span><span>vollst\u00e4ndig <\/span><span>auf <\/span><span>Investition <\/span><span>Ergebnisse.<\/span><\/p><p><span>Investition <\/span><span>Risiko <\/span><span>au\u00dferdem <\/span><span>Dinge. <\/span><span>Geld <\/span><span>erforderlich <\/span><span>innerhalb von <\/span><span>Monate <\/span><span>sollte <\/span><span>nicht <\/span><span>in der Regel <\/span><span>sein <\/span><span>offenbart <\/span><span>zu <\/span><span>der <\/span><span>dasselbe <\/span><span>Markt <\/span><span>Schwankungen <\/span><span>als <\/span><span>ein <\/span><span>Stiftungsverm\u00f6gen <\/span><span>beabsichtigt <\/span><span>zu <\/span><span>Unterst\u00fctzung <\/span><span>wohlt\u00e4tig <\/span><span>Arbeit <\/span><span>f\u00fcr <\/span><span>Jahrzehnte.<\/span><\/p><p><span>A <\/span><span>Stiftung <\/span><span>dass <\/span><span>investiert <\/span><span>kurzfristig <\/span><span>Reserven <\/span><span>in <\/span><span>Aktien <\/span><span>k\u00f6nnte <\/span><span>sein <\/span><span>gezwungen <\/span><span>zu <\/span><span>verkaufen <\/span><span>w\u00e4hrend <\/span><span>a <\/span><span>Markt <\/span><span>Konjunkturabschwung <\/span><span>zu <\/span><span>Ehre <\/span><span>bestehend <\/span><span>Verpflichtungen. <\/span><span>Sogar <\/span><span>relativ <\/span><span>sicher <\/span><span>Investitionen <\/span><span>k\u00f6nnte <\/span><span>verlieren <\/span><span>Wert <\/span><span>falls <\/span><span>sie <\/span><span>muss <\/span><span>sein <\/span><span>verkauft <\/span><span>vorher <\/span><span>Reife.<\/span><\/p><p><span>Fremdw\u00e4hrung <\/span><span>Einlagen <\/span><span>vorstellen <\/span><span>ein weiterer <\/span><span>Risiko. <\/span><span>H\u00f6her <\/span><span>Interesse <\/span><span>Preise <\/span><span>in <\/span><span>Euro <\/span><span>oder <\/span><span>Dollar <\/span><span>k\u00f6nnte <\/span><span>erscheinen <\/span><span>attraktiv <\/span><span>wenn <\/span><span>Schweizer Franken <\/span><span>Einlagen <\/span><span>Angebot <\/span><span>ein bisschen <\/span><span>Einkommen, <\/span><span>aber <\/span><span>ein <\/span><span>nachteilig <\/span><span>Wechselkurs <\/span><span>Bewegung <\/span><span>kann <\/span><span>reduzieren <\/span><span>der <\/span><span>Betrag <\/span><span>verf\u00fcgbar <\/span><span>f\u00fcr <\/span><span>Zusch\u00fcsse <\/span><span>bezahlt <\/span><span>in <\/span><span>Francs.<\/span><\/p><p><span>Holding <\/span><span>ausl\u00e4ndisch <\/span><span>W\u00e4hrungen <\/span><span>k\u00f6nnte <\/span><span>herstellen <\/span><span>Sinn <\/span><span>wobei <\/span><span>a <\/span><span>Stiftung <\/span><span>hat <\/span><span>entsprechend <\/span><span>Ausgaben <\/span><span>Verpflichtungen <\/span><span>im Ausland. <\/span><span>Andernfalls, <\/span><span>Treuh\u00e4nder <\/span><span>muss <\/span><span>beurteilen <\/span><span>ob <\/span><span>der <\/span><span>zus\u00e4tzlich <\/span><span>Interesse <\/span><span>begr\u00fcndet <\/span><span>der <\/span><span>M\u00f6glichkeit <\/span><span>von <\/span><span>Verluste <\/span><span>wenn <\/span><span>Umwandlung <\/span><span>der <\/span><span>Geld <\/span><span>zur\u00fcck <\/span><span>in <\/span><span>Schweizer <\/span><span>Francs.<\/span><\/p><h2><span>Was <\/span><span>Stiftung <\/span><span>Geh\u00e4use <\/span><span>Sollte <\/span><span>Rechnen Sie mit <\/span><span>Von <\/span><span>Ihre <\/span><span>Banken<\/span><\/h2><p><span>Schweizer <\/span><span>Grundlagen <\/span><span>bleiben <\/span><span>verantwortlich <\/span><span>f\u00fcr <\/span><span>ihre <\/span><span>Investition <\/span><span>Richtlinien <\/span><span>sogar <\/span><span>wenn <\/span><span>sie <\/span><span>ernennen <\/span><span>Banken <\/span><span>oder <\/span><span>extern <\/span><span>Verm\u00f6genswert <\/span><span>F\u00fchrungskr\u00e4fte. Die <\/span><span>Schweizer <\/span><span>Stiftung <\/span><span>Code <\/span><span>empfiehlt <\/span><span>dass <\/span><span>Bretter <\/span><span>verwalten <\/span><span>Verm\u00f6genswerte <\/span><span>beruflich, <\/span><span>behalten <\/span><span>Kosten <\/span><span>unter <\/span><span>Steuerung <\/span><span>und <\/span><span>ber\u00fccksichtigen <\/span><span>Sicherheit, <\/span><span>Diversifizierung, <\/span><span>Ertr\u00e4ge <\/span><span>und <\/span><span>Zugang <\/span><span>zu <\/span><span>Bargeld <\/span><span>wenn <\/span><span>Einstellung <\/span><span>ihre <\/span><span>Investition <\/span><span>Strategie. <\/span><span>Es <\/span><span>au\u00dferdem <\/span><span>Anrufe <\/span><span>f\u00fcr <\/span><span>regul\u00e4r <\/span><span>Bewertungen <\/span><span>und <\/span><span>Ma\u00dfnahmen <\/span><span>zu <\/span><span>verhindern <\/span><span>Konflikte <\/span><span>von <\/span><span>Interesse.<\/span><\/p><p><span>Diese <\/span><span>Aufgaben <\/span><span>einbeziehen <\/span><span>praktisch <\/span><span>Entscheidungen, weil die Treuh\u00e4nder <\/span><span>Bedarf <\/span><span>zu <\/span><span>wissen <\/span><span>wie <\/span><span>sehr <\/span><span>Geld <\/span><span>der <\/span><span>Stiftung <\/span><span>erwartet <\/span><span>zu <\/span><span>verteilen, <\/span><span>welches <\/span><span>Verm\u00f6genswerte <\/span><span>kann <\/span><span>sein <\/span><span>verkauft <\/span><span>wenn <\/span><span>Zahlungen <\/span><span>Herbst <\/span><span>f\u00e4llig <\/span><span>und <\/span><span>ob <\/span><span>Investition <\/span><span>F\u00fchrungskr\u00e4fte <\/span><span>sind <\/span><span>Nehmen <\/span><span>Risiken <\/span><span>konsistent <\/span><span>mit <\/span><span>diese <\/span><span>Anforderungen.<\/span><\/p><p><span>Bankwesen <\/span><span>Vereinbarungen <\/span><span>sollte <\/span><span>eindeutig <\/span><span>Zustand <\/span><span>was <\/span><span>der <\/span><span>Einrichtung <\/span><span>Geb\u00fchren <\/span><span>f\u00fcr <\/span><span>Sorgerecht, <\/span><span>Transaktionen, <\/span><span>Investition <\/span><span>Management <\/span><span>und <\/span><span>Sonstiges <\/span><span>Dienstleistungen. <\/span><span>Grundlagen <\/span><span>sollte <\/span><span>au\u00dferdem <\/span><span>verstehen <\/span><span>der <\/span><span>Begriffe <\/span><span>im Anhang <\/span><span>zu <\/span><span>Einlagen <\/span><span>und <\/span><span>wenn <\/span><span>sie <\/span><span>kann <\/span><span>zur\u00fcckziehen <\/span><span>ihre <\/span><span>Geld.<\/span><\/p><p><span>Vergleich <\/span><span>Banken <\/span><span>wird zu <\/span><span>insbesondere <\/span><span>relevant <\/span><span>wenn <\/span><span>a <\/span><span>Stiftung <\/span><span>hat <\/span><span>kumuliert <\/span><span>erheblich <\/span><span>Salden <\/span><span>durch <\/span><span>Spenden, <\/span><span>Investition <\/span><span>Erl\u00f6se <\/span><span>oder <\/span><span>verz\u00f6gert <\/span><span>Ausgaben. <\/span><span>Konten <\/span><span>ge\u00f6ffnet <\/span><span>Jahre <\/span><span>fr\u00fcher <\/span><span>k\u00f6nnte <\/span><span>nein <\/span><span>l\u00e4nger <\/span><span>Angebot <\/span><span>der <\/span><span>am meisten <\/span><span>geeignet <\/span><span>Begriffe.<\/span><\/p><p><span>Die <\/span><span>Investition <\/span><span>Richtlinie <\/span><span>au\u00dferdem <\/span><span>Bed\u00fcrfnisse <\/span><span>regul\u00e4r <\/span><span>Rezension. <\/span><span>Falls <\/span><span>Markt <\/span><span>Gewinne <\/span><span>Anstieg <\/span><span>der <\/span><span>Eigenkapital <\/span><span>Teilen <\/span><span>von <\/span><span>a <\/span><span>Portfolio <\/span><span>dar\u00fcber hinaus <\/span><span>der <\/span><span>einverstanden <\/span><span>Zuweisung, <\/span><span>Treuh\u00e4nder <\/span><span>k\u00f6nnte <\/span><span>Bedarf <\/span><span>zu <\/span><span>anpassen <\/span><span>ihre <\/span><span>Beteiligungen. <\/span><span>Falls <\/span><span>a <\/span><span>Stiftung <\/span><span>billigt <\/span><span>a <\/span><span>gro\u00df <\/span><span>neu <\/span><span>Programm, <\/span><span>es <\/span><span>k\u00f6nnte <\/span><span>Bedarf <\/span><span>zu <\/span><span>erh\u00f6hen <\/span><span>Bargeld <\/span><span>vorher <\/span><span>der <\/span><span>erstens <\/span><span>Zahlung <\/span><span>wird zu <\/span><span>f\u00e4llig.<\/span><\/p><p><span>Banken <\/span><span>und <\/span><span>Investition <\/span><span>F\u00fchrungskr\u00e4fte <\/span><span>kann <\/span><span>empfehlen <\/span><span>auf <\/span><span>diese <\/span><span>Entscheidungen, <\/span><span>aber <\/span><span>Stiftung <\/span><span>Bretter <\/span><span>muss <\/span><span>entscheiden <\/span><span>wie <\/span><span>sehr <\/span><span>Risiko <\/span><span>sie <\/span><span>kann <\/span><span>akzeptieren <\/span><span>in <\/span><span>Verfolgung <\/span><span>von <\/span><span>Ergebnisse.<\/span><\/p><h2><span>Wie <\/span><span>Investition <\/span><span>Entscheidungen <\/span><span>Affekt <\/span><span>Wohlt\u00e4tig <\/span><span>Ausgaben<\/span><\/h2><p><span>Ein <\/span><span>Organisation <\/span><span>dass <\/span><span>gibt aus <\/span><span>auch <\/span><span>sehr <\/span><span>von <\/span><span>dessen <\/span><span>Hauptstadt <\/span><span>w\u00e4hrend <\/span><span>fett <\/span><span>Markt <\/span><span>Jahre <\/span><span>k\u00f6nnte <\/span><span>Kampf <\/span><span>zu <\/span><span>pflegen <\/span><span>Zusch\u00fcsse <\/span><span>danach <\/span><span>Verluste. <\/span><span>Ein weiteres <\/span><span>dass <\/span><span>beh\u00e4lt <\/span><span>am meisten <\/span><span>von <\/span><span>dessen <\/span><span>Reichtum <\/span><span>in <\/span><span>Bargeld <\/span><span>k\u00f6nnte <\/span><span>sch\u00fctzen <\/span><span>der <\/span><span>nominal <\/span><span>Wert <\/span><span>von <\/span><span>dessen <\/span><span>Reserven <\/span><span>w\u00e4hrend <\/span><span>Verdienst <\/span><span>auch <\/span><span>ein bisschen <\/span><span>zu <\/span><span>pflegen <\/span><span>ihre <\/span><span>Einkauf <\/span><span>Leistung <\/span><span>\u00fcber <\/span><span>Zeit.<\/span><\/p><p><span>Sogar <\/span><span>bescheiden <\/span><span>Inflation <\/span><span>kann <\/span><span>beeinflussen <\/span><span>der <\/span><span>Betrag <\/span><span>a <\/span><span>Stiftung <\/span><span>kann <\/span><span>Fonds. <\/span><span>Bei <\/span><span>j\u00e4hrlich <\/span><span>Inflation <\/span><span>von <\/span><span>1%, <\/span><span>CHF <\/span><span>10 <\/span><span>Millionen <\/span><span>abgehalten <\/span><span>ohne <\/span><span>Interesse <\/span><span>w\u00fcrde <\/span><span>behalten <\/span><span>dessen <\/span><span>nominal <\/span><span>Wert <\/span><span>aber <\/span><span>verlieren <\/span><span>ungef\u00e4hr <\/span><span>CHF <\/span><span>100.000 <\/span><span>in <\/span><span>Einkauf <\/span><span>Leistung <\/span><span>\u00fcber <\/span><span>eins <\/span><span>Jahr.<\/span><\/p><p><span>Grundlagen <\/span><span>gegr\u00fcndet <\/span><span>zu <\/span><span>betreiben <\/span><span>auf unbestimmte Zeit <\/span><span>muss <\/span><span>Konto <\/span><span>f\u00fcr <\/span><span>Inflation <\/span><span>wenn <\/span><span>Entscheiden <\/span><span>wie <\/span><span>sehr <\/span><span>Einkommen <\/span><span>zu <\/span><span>verteilen <\/span><span>und <\/span><span>wie <\/span><span>sehr <\/span><span>zu <\/span><span>wiederanlegen. <\/span><span>Diese <\/span><span>beabsichtigend <\/span><span>zu <\/span><span>ausgeben <\/span><span>ihre <\/span><span>Verm\u00f6genswerte <\/span><span>\u00fcber <\/span><span>a <\/span><span>definiert <\/span><span>Zeitraum <\/span><span>kann <\/span><span>nehmen <\/span><span>a <\/span><span>anders <\/span><span>Ansatz, <\/span><span>nach und nach <\/span><span>Ausgaben <\/span><span>ihre <\/span><span>Hauptstadt <\/span><span>gem\u00e4\u00df <\/span><span>zu <\/span><span>ihre <\/span><span>verbleibend <\/span><span>Verpflichtungen.<\/span><\/p><p><span>Die <\/span><span>SwissFoundations <\/span><span>Benchmark <\/span><span>legt nahe <\/span><span>dass <\/span><span>viele <\/span><span>gegr\u00fcndet <\/span><span>Grundlagen <\/span><span>bereits <\/span><span>Verwendung <\/span><span>vielf\u00e4ltig <\/span><span>Portfolios <\/span><span>zu <\/span><span>Unterst\u00fctzung <\/span><span>langfristig <\/span><span>Finanzierung. <\/span><span>Ihre <\/span><span>Ertr\u00e4ge <\/span><span>in <\/span><span>2025 <\/span><span>waren <\/span><span>positiv, <\/span><span>aber <\/span><span>Zukunft <\/span><span>Zusch\u00fcsse <\/span><span>kann nicht <\/span><span>sein <\/span><span>basierend auf <\/span><span>auf <\/span><span>der <\/span><span>Annahme <\/span><span>dass <\/span><span>finanziell <\/span><span>M\u00e4rkte <\/span><span>wird <\/span><span>liefern <\/span><span>\u00e4hnlich <\/span><span>Gewinne <\/span><span>jeder <\/span><span>Jahr.<\/span><\/p><p><span>Geh\u00e4use <\/span><span>muss <\/span><span>ber\u00fccksichtigen <\/span><span>was <\/span><span>passiert <\/span><span>wenn <\/span><span>Ertr\u00e4ge <\/span><span>Herbst <\/span><span>kurz <\/span><span>von <\/span><span>Erwartungen. <\/span><span>Sie <\/span><span>k\u00f6nnte <\/span><span>Bedarf <\/span><span>ausreichend <\/span><span>Reserven <\/span><span>zu <\/span><span>pflegen <\/span><span>einverstanden <\/span><span>Finanzierung, <\/span><span>\u00fcberarbeiten <\/span><span>Zukunft <\/span><span>Zusch\u00fcsse <\/span><span>oder <\/span><span>anpassen <\/span><span>wie <\/span><span>schnell <\/span><span>sie <\/span><span>ausgeben <\/span><span>ihre <\/span><span>Kapital.<\/span><\/p><p><span>Die Schweiz <\/span><span>CHF <\/span><span>159.6 <\/span><span>Milliarde <\/span><span>Stiftung <\/span><span>Sektor <\/span><span>enth\u00e4lt <\/span><span>genug <\/span><span>Geld <\/span><span>f\u00fcr <\/span><span>Investition <\/span><span>Entscheidungen <\/span><span>zu <\/span><span>haben <\/span><span>erheblich <\/span><span>finanziell <\/span><span>Folgen. <\/span><span>Die <\/span><span>angemessen <\/span><span>Vorgehensweise <\/span><span>unterscheidet sich <\/span><span>aus <\/span><span>eins <\/span><span>Organisation <\/span><span>zu <\/span><span>ein anderes, <\/span><span>je nachdem <\/span><span>auf <\/span><span>dessen <\/span><span>Zweck, <\/span><span>Ausgaben <\/span><span>Verpflichtungen <\/span><span>und <\/span><span>F\u00e4higkeit <\/span><span>zu <\/span><span>standhalten <\/span><span>Verluste.<\/span><\/p><p><span>Mit <\/span><span>Schweizer <\/span><span>Interesse <\/span><span>Preise <\/span><span>bei <\/span><span>Null, <\/span><span>Bargeld <\/span><span>allein <\/span><span>Angebote <\/span><span>begrenzt <\/span><span>Einkommen. <\/span><span><a href=\"https:\/\/www.rotharia.com\/de\/kategorie\/vermogensverwaltung\/auswirkungen-der-philanthropie\/\">Grundlagen<\/a> <\/span><span>immer noch <\/span><span>Bedarf <\/span><span>genug <\/span><span>von <\/span><span>es <\/span><span>zu <\/span><span>treffen <\/span><span>ihre <\/span><span>Verpflichtungen, <\/span><span>w\u00e4hrend <\/span><span>Investieren <\/span><span>Geld <\/span><span>sie <\/span><span>wird <\/span><span>nicht <\/span><span>Bedarf <\/span><span>sofort <\/span><span>gem\u00e4\u00df <\/span><span>zu <\/span><span>a <\/span><span>klar <\/span><span>finanziell <\/span><span>Plan. <\/span><span>Regul\u00e4r <\/span><span>Bewertungen <\/span><span>von <\/span><span>Bankwesen <\/span><span>Kosten, <\/span><span>Bargeld <\/span><span>Reserven <\/span><span>und <\/span><span>Investition <\/span><span>Leistung <\/span><span>Hilfe <\/span><span>Treuh\u00e4nder <\/span><span>ermitteln <\/span><span>wie <\/span><span>sehr <\/span><span>sie <\/span><span>kann <\/span><span>verteilen <\/span><span>ohne <\/span><span>einf\u00fcgen <\/span><span>Zukunft <\/span><span>wohlt\u00e4tig <\/span><span>Arbeit <\/span><span>bei <\/span><span>Risiko.<br><br><\/span><\/p><p><span><i>ROTHARIA\/Philanthropie\/Der praktische Leitfaden&nbsp;<\/i><\/span><\/p><h3 data-pm-slice=\"1 1 []\"><span>So gestalten Sie Ihre Spenden f\u00fcr wohlt\u00e4tige Zwecke in der Schweiz<\/span><\/h3><p><span>Verm\u00f6gende Personen, die umfangreiche Spenden planen, sollten vor der \u00dcbertragung von Verm\u00f6genswerten an eine gemeinn\u00fctzige Organisation entscheiden, wie viel sie spenden m\u00f6chten, wie das Geld verwaltet werden soll und wer die Verteilung \u00fcberwachen wird.<\/span><\/p><p><strong><span>1. W\u00e4hlen Sie aus, wie Sie spenden m\u00f6chten.<\/span><\/strong><\/p><p><span>Direkte Spenden eignen sich f\u00fcr diejenigen, die bestehende Wohlt\u00e4tigkeitsorganisationen unterst\u00fctzen m\u00f6chten, ohne administrative Aufgaben zu \u00fcbernehmen. Spender, die ein langfristiges Programm anstreben, k\u00f6nnen eine eigene gemeinn\u00fctzige Stiftung gr\u00fcnden oder einen Namensfonds innerhalb einer bestehenden Dachstiftung einrichten. Letzteres erm\u00f6glicht es Spendern, Projekte vorzuschlagen, w\u00e4hrend die Tr\u00e4gerstiftung die Verwaltung \u00fcbernimmt und die letztendliche rechtliche Verantwortung tr\u00e4gt.<\/span><\/p><p><strong><span>2. Pr\u00fcfen Sie die steuerlichen Auswirkungen, bevor Sie Verm\u00f6genswerte \u00fcbertragen.<\/span><\/strong><\/p><p><span>Spenden an steuerbefreite gemeinn\u00fctzige Organisationen in der Schweiz sind im Rahmen der eidgen\u00f6ssischen Einkommenssteuer grunds\u00e4tzlich bis zu 20% des Nettoeinkommens abzugsf\u00e4hig, sofern die gesetzlichen Voraussetzungen erf\u00fcllt sind. Die kantonalen Vorschriften k\u00f6nnen davon abweichen. Bei grossz\u00fcgigen Spenden, insbesondere wenn es sich um Aktien, Immobilien oder ausl\u00e4ndische Verm\u00f6genswerte handelt, ist vor der \u00dcbertragung eine fachkundige Steuerberatung ratsam.<\/span><\/p><p><strong><span>3. Einigen Sie sich darauf, wie das Geld angelegt werden soll.<\/span><\/strong><\/p><p><span>Erkundigen Sie sich, wie viel Bargeld die Organisation vorh\u00e4lt, welche Verm\u00f6genswerte sie besitzt und welche Verwaltungs-, Verwahrungs- und Transaktionsgeb\u00fchren sie zahlt. Wenn die Spende dazu bestimmt ist, F\u00f6rdermittel \u00fcber viele Jahre hinweg zu finanzieren, kl\u00e4ren Sie, wie die Anlagepolitik diese Zahlungen sicherstellen wird, ohne dabei \u00fcberm\u00e4\u00dfige Risiken einzugehen.<\/span><\/p><p><strong><span>4. Entscheiden Sie, wie viel Kontrolle Sie behalten m\u00f6chten.<\/span><\/strong><\/p><p><span>Die Gr\u00fcndung einer unabh\u00e4ngigen Schweizer Stiftung ist mit der unwiderruflichen Zweckbindung von Verm\u00f6gen f\u00fcr gemeinn\u00fctzige Zwecke verbunden. Stifter, die eine Dachstiftung nutzen, k\u00f6nnen zwar eine beratende Rolle behalten, sind jedoch weder Eigent\u00fcmer des gespendeten Verm\u00f6gens noch verf\u00fcgen sie \u00fcber uneingeschr\u00e4nkte Entscheidungsbefugnis hinsichtlich der Aussch\u00fcttungen.<\/span><\/p><p><strong><span>5. Regelm\u00e4\u00dfige Finanz- und F\u00f6rdermittelberichte verlangen.<\/span><\/strong><\/p><p><span>Erfragen Sie j\u00e4hrlich Informationen \u00fcber die Anlagerenditen nach Abzug der Geb\u00fchren, die ausgesch\u00fctteten F\u00f6rdermittel, die Barreserven und die Fortschritte bei der Umsetzung der vereinbarten gemeinn\u00fctzigen Ziele. Falls Familienmitglieder an Entscheidungen beteiligt sind, legen Sie deren Zust\u00e4ndigkeiten fest und regeln Sie, wie k\u00fcnftige Generationen einbezogen werden sollen.<\/span><\/p><p><span>Bevor Sie eine betr\u00e4chtliche Summe investieren, sollten Sie die Gesamtkosten f\u00fcr den Betrieb einer eigenst\u00e4ndigen Stiftung mit denen eines verwalteten gemeinn\u00fctzigen Fonds vergleichen. Der \u00abSwiss Foundation Code\u00bb bietet Orientierungshilfen zu den Themen Anlageaufsicht, Governance und den Aufgaben von Stiftungsr\u00e4ten.<\/span><\/p><p><br><span><i><br><br><br><\/i><\/span><\/p><br>","protected":false},"excerpt":{"rendered":"<p>Schweizer Stiftungen verwalten ein Verm\u00f6gen von 159,6 Milliarden CHF, doch die Anlageentscheidungen beeinflussen, wie viel davon tats\u00e4chlich gemeinn\u00fctzigen Zwecken zugutekommt. Wir haben ausserdem einen kurzen Leitfaden zum Thema Spenden in der Schweiz beigef\u00fcgt, der sich mit Steuervorteilen, Anlagem\u00f6glichkeiten und der Aufsicht befasst.<\/p>","protected":false},"author":2,"featured_media":1406,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"colormag_page_container_layout":"default_layout","colormag_page_sidebar_layout":"default_layout","footnotes":""},"categories":[20],"tags":[],"class_list":["post-1407","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-philanthropy-impact"],"magazineBlocksPostFeaturedMedia":{"thumbnail":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/10\/rotharia_image_20261015_090b09-150x150.png","medium":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/10\/rotharia_image_20261015_090b09-300x200.png","medium_large":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/10\/rotharia_image_20261015_090b09-768x512.png","large":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/10\/rotharia_image_20261015_090b09-1024x683.png","1536x1536":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/10\/rotharia_image_20261015_090b09.png","2048x2048":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/10\/rotharia_image_20261015_090b09.png","trp-custom-language-flag":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/10\/rotharia_image_20261015_090b09-18x12.png","colormag-highlighted-post":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/10\/rotharia_image_20261015_090b09-392x272.png","colormag-featured-post-medium":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/10\/rotharia_image_20261015_090b09-390x205.png","colormag-featured-post-small":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/10\/rotharia_image_20261015_090b09-130x90.png","colormag-featured-image":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/10\/rotharia_image_20261015_090b09-800x445.png","colormag-default-news":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/10\/rotharia_image_20261015_090b09-150x150.png","colormag-featured-image-large":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/10\/rotharia_image_20261015_090b09-1200x600.png"},"magazineBlocksPostAuthor":{"name":"William","avatar":"https:\/\/secure.gravatar.com\/avatar\/82207cc30d613dea4e5fc4ce5dad6b48bc98e8cde6e3910b0adcb2b12199eab1?s=96&d=mm&r=g"},"magazineBlocksPostCommentsNumber":false,"magazineBlocksPostExcerpt":"Swiss foundations manage CHF 159.6 billion in assets, but investment decisions affect how much reaches charitable causes. We've also included a quick guide to charitable giving in Switzerland, covering tax benefits, investment choices and oversight.","magazineBlocksPostCategories":["Philanthropy &amp; Impact"],"magazineBlocksPostViewCount":15,"magazineBlocksPostReadTime":11,"magazine_blocks_featured_image_url":{"full":["https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/10\/rotharia_image_20261015_090b09.png",1200,800,false],"medium":["https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/10\/rotharia_image_20261015_090b09-300x200.png",300,200,true],"thumbnail":["https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/10\/rotharia_image_20261015_090b09-150x150.png",150,150,true]},"magazine_blocks_author":{"display_name":"William","author_link":"https:\/\/www.rotharia.com\/de\/author\/william\/"},"magazine_blocks_comment":0,"magazine_blocks_author_image":"https:\/\/secure.gravatar.com\/avatar\/82207cc30d613dea4e5fc4ce5dad6b48bc98e8cde6e3910b0adcb2b12199eab1?s=96&d=mm&r=g","magazine_blocks_category":"<a href=\"https:\/\/www.rotharia.com\/de\/category\/wealth-management\/philanthropy-impact\/\">Philanthropy &amp; Impact<\/a>","videoUrl":"","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Swiss Foundations Put CHF 159.6 Billion To Work<\/title>\n<meta name=\"description\" content=\"Swiss foundations manage CHF 159.6 billion in assets, but investment decisions affect how much reaches charitable causes. We&#039;ve also included a quick guide to charitable giving in Switzerland, covering tax benefits, investment choices and oversight.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rotharia.com\/de\/vermogensverwaltung\/auswirkungen-der-philanthropie\/wie-schweizer-stiftungen-1596-milliarden-chf-einsetzen\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Swiss Foundations Put CHF 159.6 Billion To Work\" \/>\n<meta property=\"og:description\" content=\"Swiss foundations manage CHF 159.6 billion in assets, but investment decisions affect how much reaches charitable causes. 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