{"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":"w-jaki-sposob-szwajcarskie-fundacje-wykorzystuja-1596-miliardow-frankow-szwajcarskich","status":"publish","type":"post","link":"https:\/\/www.rotharia.com\/pl\/wealth-management\/philanthropy-impact\/how-swiss-foundations-put-chf-1596-billion-to-work\/","title":{"rendered":"Jak szwajcarskie fundacje wykorzystuj\u0105 159,6 mld CHF"},"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>Wraz z <\/span><span>szwajcarski <\/span><span>zainteresowanie <\/span><span>stawki <\/span><span>w <\/span><span>zero, <\/span><span>podstawy <\/span><span>trzeba <\/span><span>zdecydowa\u0107 <\/span><span>jak <\/span><span>bardzo <\/span><span>got\u00f3wka <\/span><span>do <\/span><span>zachowa\u0107, <\/span><span>jak <\/span><span>do <\/span><span>inwestowa\u0107 <\/span><span>ich <\/span><span>pozosta\u0142e <\/span><span>aktywa <\/span><span>oraz <\/span><span>jak <\/span><span>bardzo <\/span><span>oni <\/span><span>mo\u017ce <\/span><span>sta\u0107 si\u0119 na <\/span><span>do <\/span><span>wydawa\u0107 <\/span><span>na <\/span><span>charytatywny <\/span><span>praca.<\/span><\/span><\/p><p><span>Szwajcaria <\/span><span>13 782 <\/span><span>charytatywny <\/span><span>podstawy <\/span><span>trzyma\u0107 <\/span><span>a <\/span><span>\u0142\u0105cznie <\/span><span>CHF <\/span><span>159.6 <\/span><span>miliard <\/span><span>w <\/span><span>aktywa, <\/span><span>zgodnie z <\/span><span>do <\/span><span>ten <\/span><span>szwajcarski <\/span><span>Fundacja <\/span><span>Raport <\/span><span>2026. <\/span><span>Ten <\/span><span>pieni\u0105dze <\/span><span>obs\u0142uguje <\/span><span>medyczny <\/span><span>badania, <\/span><span>edukacja, <\/span><span>kulturowy <\/span><span>instytucje <\/span><span>oraz <\/span><span>spo\u0142eczny <\/span><span>programy, <\/span><span>cz\u0119sto <\/span><span>przez <\/span><span>zobowi\u0105zania <\/span><span>\u017ce <\/span><span>rozszerzy\u0107 <\/span><span>ponad <\/span><span>kilka <\/span><span>lat. <\/span><span>Jak <\/span><span>podstawy <\/span><span>zarz\u0105dza\u0107 <\/span><span>ich <\/span><span>pieni\u0105dze <\/span><span>okre\u015bla <\/span><span>nie <\/span><span>tylko <\/span><span>co <\/span><span>oni <\/span><span>mo\u017ce <\/span><span>rozpowszechnia\u0107 <\/span><span>dzisiaj, <\/span><span>ale <\/span><span>czy <\/span><span>oni <\/span><span>mo\u017ce <\/span><span>kontynuuj <\/span><span>finansowanie <\/span><span>te <\/span><span>dzia\u0142ania <\/span><span>w <\/span><span>ten <\/span><span>przysz\u0142o\u015b\u0107.<\/span><\/p><p><span>Ten <\/span><span>finansowy <\/span><span>wyzwanie <\/span><span>ma <\/span><span>sta\u0107 si\u0119 <\/span><span>wi\u0119kszy <\/span><span>jako <\/span><span>zainteresowanie <\/span><span>stawki <\/span><span>maj\u0105 <\/span><span>upad\u0142 jako t<\/span><span>on <\/span><span>szwajcarski <\/span><span>Krajowy <\/span><span>Bank <\/span><span>zachowane <\/span><span>jego <\/span><span>polityka <\/span><span>stawka <\/span><span>w <\/span><span>0% <\/span><span>w <\/span><span>wrzesie\u0144 <\/span><span>2026, <\/span><span>wychodz\u0105c <\/span><span>troch\u0119 <\/span><span>szansa <\/span><span>do <\/span><span>zarabia\u0107 <\/span><span>zainteresowanie <\/span><span>na <\/span><span>zwyk\u0142y <\/span><span>frank szwajcarski <\/span><span>wp\u0142aty. <\/span><span>Podstawy <\/span><span>nadal <\/span><span>potrzeba <\/span><span>gotowy <\/span><span>dost\u0119p <\/span><span>do <\/span><span>pieni\u0105dze <\/span><span>dla <\/span><span>dotacje <\/span><span>oraz <\/span><span>eksploatacyjny <\/span><span>wydatki, <\/span><span>ale <\/span><span>utrzymywanie <\/span><span>wi\u0119cej <\/span><span>got\u00f3wka <\/span><span>ni\u017c <\/span><span>niezb\u0119dne <\/span><span>mo\u017ce <\/span><span>zmniejszy\u0107 <\/span><span>ich <\/span><span>inwestycja <\/span><span>doch\u00f3d.<\/span><\/p><p><span>Profesjonalny <\/span><span>podstawy <\/span><span>maj\u0105 <\/span><span>og\u00f3lnie rzecz bior\u0105c <\/span><span>odpowiedzia\u0142 <\/span><span>autor: <\/span><span>inwestowanie <\/span><span>najbardziej <\/span><span>z <\/span><span>ich <\/span><span>aktywa. <\/span><span>Zgodnie z <\/span><span>do <\/span><span>ten <\/span><span>SwissFoundations <\/span><span>Wska\u017anik odniesienia <\/span><span>Raport <\/span><span>2026, <\/span><span>uczestnicz\u0105cy <\/span><span>podstawy <\/span><span>odby\u0142o si\u0119 <\/span><span>a <\/span><span>\u015brednia <\/span><span>z <\/span><span>po prostu <\/span><span>5% <\/span><span>w <\/span><span>got\u00f3wka, <\/span><span>z <\/span><span>ten <\/span><span>reszta <\/span><span>zainwestowane <\/span><span>przede wszystkim <\/span><span>w <\/span><span>akcje, <\/span><span>obligacje <\/span><span>oraz <\/span><span>w\u0142a\u015bciwo\u015b\u0107. <\/span><span>Ich <\/span><span>portfele <\/span><span>powr\u00f3ci\u0142 <\/span><span>a <\/span><span>\u015brednia <\/span><span>z <\/span><span>7.2% <\/span><span>w <\/span><span>2025.<\/span><\/p><p><span>Ten <\/span><span>wyniki <\/span><span>poka\u017c <\/span><span>jak <\/span><span>ustanowiony <\/span><span>podstawy <\/span><span>zarz\u0105dza\u0107 <\/span><span>ich <\/span><span>pieni\u0105dze, <\/span><span>chocia\u017c <\/span><span>ten <\/span><span>ankieta <\/span><span>ok\u0142adki <\/span><span>tylko <\/span><span>55 <\/span><span>organizacje. <\/span><span>To <\/span><span>nie mo\u017cna <\/span><span>ustanowi\u0107 <\/span><span>jak <\/span><span>bardzo <\/span><span>got\u00f3wka <\/span><span>ten <\/span><span>ca\u0142y <\/span><span>szwajcarski <\/span><span>charytatywny <\/span><span>sektor <\/span><span>posiada <\/span><span>lub <\/span><span>czy <\/span><span>mniejszy <\/span><span>podstawy <\/span><span>otrzyma\u0107 <\/span><span>konkurencyjny <\/span><span>bankowo\u015b\u0107 <\/span><span>warunki.<\/span><\/p><h2><span>Szwajcaria <\/span><span>CHF <\/span><span>159.6 <\/span><span>Miliard <\/span><span>Fundacja <\/span><span>Sektor<\/span><\/h2><p><span>Ten <\/span><span>szwajcarski <\/span><span>Fundacja <\/span><span>Raport <\/span><span>2026, <\/span><span>opublikowano <\/span><span>autor: <\/span><span>ten <\/span><span>Centrum <\/span><span>dla <\/span><span>Dzia\u0142alno\u015b\u0107 charytatywna <\/span><span>Badania <\/span><span>w <\/span><span>ten <\/span><span>Uniwersytet <\/span><span>z <\/span><span>Bazylea, <\/span><span>SwissFoundations <\/span><span>oraz <\/span><span>ten <\/span><span>Uniwersytet <\/span><span>z <\/span><span>Zurych, <\/span><span>umieszcza <\/span><span>ten <\/span><span>w sektorze <\/span><span>aktywa <\/span><span>w <\/span><span>CHF <\/span><span>159.6 <\/span><span>miliard. <\/span><span>Podstawy <\/span><span>nadzorowane <\/span><span>autor: <\/span><span>federalny <\/span><span>w\u0142adze <\/span><span>konto <\/span><span>dla <\/span><span>CHF <\/span><span>85.7 <\/span><span>miliard, <\/span><span>podczas gdy <\/span><span>te <\/span><span>pod <\/span><span>kantonalny <\/span><span>nadz\u00f3r <\/span><span>trzyma\u0107 <\/span><span>CHF <\/span><span>73.9 <\/span><span>miliard.<\/span><\/p><p><span>Te <\/span><span>organizacje <\/span><span>maj\u0105 <\/span><span>bardzo <\/span><span>r\u00f3\u017cne <\/span><span>finansowy <\/span><span>potrzeby. <\/span><span>Niekt\u00f3re <\/span><span>zarz\u0105dza\u0107 <\/span><span>du\u017cy <\/span><span>fundusze powiernicze <\/span><span>oraz <\/span><span>zatrudnia\u0107 <\/span><span>profesjonalny <\/span><span>inwestycja <\/span><span>kierownicy. <\/span><span>Inne <\/span><span>dzia\u0142a\u0107 <\/span><span>z <\/span><span>ograniczony <\/span><span>pracownicy, <\/span><span>zale\u017ce\u0107 <\/span><span>na <\/span><span>darowizny <\/span><span>oraz <\/span><span>polega\u0107 <\/span><span>na <\/span><span>wolontariusz <\/span><span>cz\u0142onkowie rady nadzorczej <\/span><span>do <\/span><span>zrobi\u0107 <\/span><span>finansowy <\/span><span>decyzje.<\/span><\/p><p><span>A <\/span><span>fundacja <\/span><span>ustanowiony <\/span><span>do <\/span><span>fundusz <\/span><span>naukowy <\/span><span>badania <\/span><span>na czas nieokre\u015blony <\/span><span>trzeba <\/span><span>zarz\u0105dza\u0107 <\/span><span>jego <\/span><span>pieni\u0105dze <\/span><span>inaczej <\/span><span>z <\/span><span>a <\/span><span>organizacja <\/span><span>finansowanie <\/span><span>a <\/span><span>pi\u0119cioletni <\/span><span>program. <\/span><span>Ten <\/span><span>po pierwsze <\/span><span>potrzeby <\/span><span>do <\/span><span>zachowa\u0107 <\/span><span>wystarczaj\u0105co <\/span><span>kapita\u0142 <\/span><span>do <\/span><span>wsparcie <\/span><span>przysz\u0142o\u015b\u0107 <\/span><span>dotacje, <\/span><span>podczas gdy <\/span><span>ten <\/span><span>drugi <\/span><span>mo\u017ce <\/span><span>celowo <\/span><span>wydawa\u0107 <\/span><span>jego <\/span><span>aktywa <\/span><span>jako <\/span><span>projekty <\/span><span>s\u0105 <\/span><span>zako\u0144czono.<\/span><\/p><p><span>Te <\/span><span>r\u00f3\u017cnice <\/span><span>wp\u0142ywa\u0107 na <\/span><span>jak <\/span><span>bardzo <\/span><span>pieni\u0105dze <\/span><span>podstawy <\/span><span>powinno <\/span><span>zachowa\u0107 <\/span><span>w <\/span><span>got\u00f3wka. Dzia\u0142alno\u015b\u0107 operacyjna <\/span><span>wydatki, <\/span><span>zatwierdzone <\/span><span>dotacje <\/span><span>oraz <\/span><span>p\u0142atno\u015bci <\/span><span>z powodu <\/span><span>w obr\u0119bie <\/span><span>ten <\/span><span>nadchodz\u0105ce <\/span><span>miesi\u0105ce <\/span><span>wymaga\u0107 <\/span><span>bez trudu <\/span><span>dost\u0119pne <\/span><span>\u015brodki finansowe. <\/span><span>Pieni\u0105dze <\/span><span>zaanga\u017cowany <\/span><span>do <\/span><span>projekty <\/span><span>ponad <\/span><span>ten <\/span><span>dalej <\/span><span>kilka <\/span><span>lata <\/span><span>mo\u017ce <\/span><span>by\u0107 <\/span><span>zainwestowane <\/span><span>wi\u0119cej <\/span><span>ostro\u017cnie, <\/span><span>z <\/span><span>inwestycje <\/span><span>dojrzewanie <\/span><span>gdy <\/span><span>p\u0142atno\u015bci <\/span><span>s\u0105 <\/span><span>nale\u017cne. <\/span><span>Fundusze <\/span><span>\u017ce <\/span><span>b\u0119dzie <\/span><span>nie <\/span><span>by\u0107 <\/span><span>potrzebne <\/span><span>dla <\/span><span>a <\/span><span>d\u0142ugi <\/span><span>czas <\/span><span>mo\u017ce <\/span><span>og\u00f3lnie rzecz bior\u0105c <\/span><span>by\u0107 <\/span><span>zainwestowane <\/span><span>w poprzek <\/span><span>a <\/span><span>szerszy <\/span><span>zakres <\/span><span>z <\/span><span>aktywa, <\/span><span>pod warunkiem, \u017ce <\/span><span>ten <\/span><span>fundacja <\/span><span>mo\u017ce <\/span><span>wytrzyma\u0107 <\/span><span>straty <\/span><span>bez <\/span><span>anulowanie <\/span><span>jego <\/span><span>zobowi\u0105zania.<\/span><\/p><p><span>Podstawy <\/span><span>ponadto <\/span><span>potrzeba <\/span><span>do <\/span><span>zdecydowa\u0107 <\/span><span>czy <\/span><span>ich <\/span><span>got\u00f3wka <\/span><span>rezerwy <\/span><span>maj\u0105 <\/span><span>sta\u0107 si\u0119 <\/span><span>niepotrzebnie <\/span><span>du\u017cy. <\/span><span>A <\/span><span>fundacja <\/span><span>z <\/span><span>CHF <\/span><span>10 <\/span><span>milion <\/span><span>w <\/span><span>jego <\/span><span>konta <\/span><span>oraz <\/span><span>roczny <\/span><span>wydatki <\/span><span>zobowi\u0105zania <\/span><span>z <\/span><span>CHF <\/span><span>1 <\/span><span>milion <\/span><span>ma <\/span><span>r\u00f3\u017cne <\/span><span>potrzeby <\/span><span>z <\/span><span>jeden <\/span><span>przygotowywanie <\/span><span>do <\/span><span>rozpowszechnia\u0107 <\/span><span>ten <\/span><span>to samo <\/span><span>kwota <\/span><span>ponad <\/span><span>dwana\u015bcie <\/span><span>miesi\u0119cy.<\/span><\/p><p><span>Utrzymywanie <\/span><span>wystarczaj\u0105cy <\/span><span>pieni\u0105dze <\/span><span>dost\u0119pne <\/span><span>jest <\/span><span>cz\u0119\u015b\u0107 <\/span><span>z <\/span><span>odpowiedzialny <\/span><span>zarz\u0105dzanie. <\/span><span>Posiadanie <\/span><span>znacznie <\/span><span>wi\u0119cej <\/span><span>ni\u017c <\/span><span>planowane <\/span><span>wydatki <\/span><span>wymaga <\/span><span>a <\/span><span>wyra\u017any <\/span><span>pow\u00f3d, <\/span><span>w szczeg\u00f3lno\u015bci <\/span><span>gdy <\/span><span>wp\u0142aty <\/span><span>zarabia\u0107 <\/span><span>troch\u0119 <\/span><span>doch\u00f3d.<\/span><\/p><h2><span>Co <\/span><span>szwajcarski <\/span><span>Podstawy <\/span><span>Zarabiaj <\/span><span>Od <\/span><span>Ich <\/span><span>Inwestycje<\/span><\/h2><p><span>Ten <\/span><span>SwissFoundations <\/span><span>Wska\u017anik odniesienia <\/span><span>Raport <\/span><span>2026 <\/span><span>pokazuje <\/span><span>jak <\/span><span>profesjonalnie <\/span><span>zarz\u0105dzane <\/span><span>charytatywny <\/span><span>inwestycje <\/span><span>wykonano. To <\/span><span>badanie <\/span><span>zbadano <\/span><span>55 <\/span><span>podstawy <\/span><span>posiadanie <\/span><span>CHF <\/span><span>15.1 <\/span><span>miliard <\/span><span>w <\/span><span>\u0142\u0105cznie <\/span><span>aktywa. <\/span><span>Oni <\/span><span>zarobione <\/span><span>a <\/span><span>\u015brednia <\/span><span>inwestycja <\/span><span>powr\u00f3t <\/span><span>z <\/span><span>7.2% <\/span><span>w <\/span><span>2025, <\/span><span>w por\u00f3wnaniu z <\/span><span>z <\/span><span>8.1% <\/span><span>w <\/span><span>2024. <\/span><span>Ich <\/span><span>skumulowany <\/span><span>\u015brednia <\/span><span>powr\u00f3t <\/span><span>odk\u0105d <\/span><span>2021 <\/span><span>osi\u0105gni\u0119to <\/span><span>23,9%. The <\/span><span>\u015brednia <\/span><span>uczestnicz\u0105cy <\/span><span>fundacja <\/span><span>zainwestowane <\/span><span>49% <\/span><span>z <\/span><span>jego <\/span><span>aktywa <\/span><span>w <\/span><span>akcje, <\/span><span>20% <\/span><span>w <\/span><span>obligacje <\/span><span>oraz <\/span><span>16% <\/span><span>w <\/span><span>w\u0142a\u015bciwo\u015b\u0107. <\/span><span>Got\u00f3wka <\/span><span>uj\u0119te <\/span><span>dla <\/span><span>5%, <\/span><span>z <\/span><span>ten <\/span><span>reszta <\/span><span>odby\u0142o si\u0119 <\/span><span>w <\/span><span>inne <\/span><span>inwestycje.<\/span><\/p><p><span>Ten <\/span><span>dane liczbowe <\/span><span>poka\u017c <\/span><span>\u017ce <\/span><span>podstawy <\/span><span>w <\/span><span>ten <\/span><span>ankieta <\/span><span>zainwestowane <\/span><span>najbardziej <\/span><span>z <\/span><span>ich <\/span><span>pieni\u0105dze <\/span><span>w <\/span><span>finansowy <\/span><span>rynki <\/span><span>podczas gdy <\/span><span>utrzymywanie <\/span><span>a <\/span><span>wzgl\u0119dnie <\/span><span>ma\u0142y <\/span><span>udost\u0119pnij <\/span><span>w <\/span><span>got\u00f3wka. <\/span><span>Oni <\/span><span>zrobi\u0107 <\/span><span>nie <\/span><span>ustanowi\u0107 <\/span><span>czy <\/span><span>ka\u017cdy <\/span><span>fundacja <\/span><span>odby\u0142o si\u0119 <\/span><span>wystarczaj\u0105co <\/span><span>bez trudu <\/span><span>dost\u0119pne <\/span><span>pieni\u0105dze <\/span><span>dla <\/span><span>jego <\/span><span>planowane <\/span><span>wydatki.<\/span><\/p><p><span>Inwestycje <\/span><span>zwroty <\/span><span>ponadto <\/span><span>r\u00f3\u017cnorodne <\/span><span>zgodnie z <\/span><span>do <\/span><span>jak <\/span><span>bardzo <\/span><span>ryzyko <\/span><span>podstawy <\/span><span>przyj\u0119to. <\/span><span>Te <\/span><span>z <\/span><span>wi\u0119cej <\/span><span>ni\u017c <\/span><span>po\u0142owa <\/span><span>ich <\/span><span>aktywa <\/span><span>w <\/span><span>akcje <\/span><span>osi\u0105gni\u0119te <\/span><span>\u015brednia <\/span><span>skumulowany <\/span><span>zwroty <\/span><span>z <\/span><span>29.6% <\/span><span>ponad <\/span><span>ten <\/span><span>pi\u0119cioletni <\/span><span>okres, <\/span><span>w por\u00f3wnaniu z <\/span><span>z <\/span><span>23.9% <\/span><span>w poprzek <\/span><span>ten <\/span><span>pe\u0142ny <\/span><span>przyk\u0142ad.<\/span><\/p><p><span>Wy\u017cszy <\/span><span>kapita\u0142 w\u0142asny <\/span><span>przydzia\u0142y <\/span><span>mo\u017ce <\/span><span>poprawi\u0107 <\/span><span>zwroty <\/span><span>ponad <\/span><span>czas, <\/span><span>ale <\/span><span>oni <\/span><span>ponadto <\/span><span>ujawni\u0107 <\/span><span>podstawy <\/span><span>do <\/span><span>wi\u0119kszy <\/span><span>straty <\/span><span>w trakcie <\/span><span>rynek <\/span><span>spadki koniunktury. <\/span><span>An <\/span><span>organizacja <\/span><span>\u017ce <\/span><span>ma <\/span><span>obieca\u0142 <\/span><span>znaczny <\/span><span>dotacje <\/span><span>nie mo\u017cna <\/span><span>koniecznie <\/span><span>poczekaj <\/span><span>dla <\/span><span>udost\u0119pnij <\/span><span>ceny <\/span><span>do <\/span><span>odzyska\u0107 <\/span><span>przedtem <\/span><span>tworzenie <\/span><span>p\u0142atno\u015bci.<\/span><\/p><p><span>Podstawy <\/span><span>trzeba <\/span><span>w zwi\u0105zku z tym <\/span><span>s\u0119dzia <\/span><span>inwestycja <\/span><span>wydajno\u015b\u0107 <\/span><span>obok <\/span><span>ich <\/span><span>wydatki <\/span><span>zobowi\u0105zania. <\/span><span>A <\/span><span>pogrubiony <\/span><span>roczny <\/span><span>powr\u00f3t <\/span><span>wzrosty <\/span><span>ten <\/span><span>warto\u015b\u0107 <\/span><span>z <\/span><span>a <\/span><span>portfolio, <\/span><span>ale <\/span><span>zyski <\/span><span>na <\/span><span>inwestycje <\/span><span>\u017ce <\/span><span>maj\u0105 <\/span><span>nie <\/span><span>by\u0142 <\/span><span>sprzedane <\/span><span>zrobi\u0107 <\/span><span>nie <\/span><span>automatycznie <\/span><span>zapewni\u0107 <\/span><span>ten <\/span><span>got\u00f3wka <\/span><span>potrzebne <\/span><span>dla <\/span><span>dotacje. <\/span><span>Podstawy <\/span><span>mo\u017ce <\/span><span>otrzyma\u0107 <\/span><span>dywidendy <\/span><span>oraz <\/span><span>obligacja <\/span><span>zainteresowanie, <\/span><span>narysowa\u0107 <\/span><span>na <\/span><span>rezerwy <\/span><span>lub <\/span><span>sprzeda\u0107 <\/span><span>inwestycje <\/span><span>do <\/span><span>spotka\u0107 si\u0119 <\/span><span>te <\/span><span>p\u0142atno\u015bci.<\/span><\/p><p><span>Ten <\/span><span>kwota <\/span><span>dost\u0119pne <\/span><span>dla <\/span><span>dotacje <\/span><span>to zale\u017cy <\/span><span>na <\/span><span>ten <\/span><span>portfele <\/span><span>\u0142\u0105cznie <\/span><span>powr\u00f3t, <\/span><span>ten <\/span><span>fundacji <\/span><span>wydatki <\/span><span>polityka <\/span><span>oraz <\/span><span>jak <\/span><span>bardzo <\/span><span>kapita\u0142 <\/span><span>cz\u0142onkowie rady nadzorczej <\/span><span>zamierza\u0107 <\/span><span>do <\/span><span>zachowa\u0107.<\/span><\/p><h2><span>Co <\/span><span>Zero <\/span><span>Zainteresowanie <\/span><span>Stawki <\/span><span>\u015arednia <\/span><span>Dla <\/span><span>Fundacja <\/span><span>Got\u00f3wka<\/span><\/h2><p><span>Ten <\/span><span>szwajcarski <\/span><span>Krajowy <\/span><span>Banku <\/span><span>decyzja <\/span><span>do <\/span><span>utrzymywa\u0107 <\/span><span>jego <\/span><span>polityka <\/span><span>stawka <\/span><span>w <\/span><span>0% <\/span><span>w <\/span><span>wrzesie\u0144 <\/span><span>2026 <\/span><span>ma <\/span><span>zachowane <\/span><span>zwroty <\/span><span>na <\/span><span>zwyk\u0142y <\/span><span>frank szwajcarski <\/span><span>wp\u0142aty <\/span><span>niski. Banki <\/span><span>zestaw <\/span><span>ich <\/span><span>w\u0142asny <\/span><span>kaucja <\/span><span>stawki <\/span><span>oraz <\/span><span>op\u0142aty, <\/span><span>wi\u0119c <\/span><span>podstawy <\/span><span>mo\u017ce <\/span><span>otrzyma\u0107 <\/span><span>r\u00f3\u017cne <\/span><span>warunki <\/span><span>w zale\u017cno\u015bci od <\/span><span>na <\/span><span>ten <\/span><span>instytucja <\/span><span>oraz <\/span><span>ten <\/span><span>rozmiar <\/span><span>z <\/span><span>ich <\/span><span>salda. <\/span><span>Cz\u0142onkowie rady nadzorczej <\/span><span>mo\u017ce <\/span><span>negocjowa\u0107 <\/span><span>te <\/span><span>warunki, <\/span><span>ale <\/span><span>prze\u0142\u0105czanie <\/span><span>banki <\/span><span>nie mo\u017cna <\/span><span>gwarancja <\/span><span>bardzo <\/span><span>wy\u017cszy <\/span><span>zwroty <\/span><span>gdy <\/span><span>kr\u00f3tkoterminowy <\/span><span>zainteresowanie <\/span><span>stawki <\/span><span>w poprzek <\/span><span>ten <\/span><span>rynek <\/span><span>s\u0105 <\/span><span>zamknij <\/span><span>do <\/span><span>zero.<\/span><\/p><p><span>Nawet <\/span><span>ma\u0142y <\/span><span>r\u00f3\u017cnice <\/span><span>w <\/span><span>zainteresowanie <\/span><span>stawki <\/span><span>mo\u017ce <\/span><span>dodaj <\/span><span>w g\u00f3r\u0119. A <\/span><span>fundacja <\/span><span>posiadanie <\/span><span>CHF <\/span><span>5 <\/span><span>milion <\/span><span>w <\/span><span>got\u00f3wka <\/span><span>by\u0142oby <\/span><span>zarabia\u0107 <\/span><span>CHF <\/span><span>25 000 <\/span><span>corocznie <\/span><span>w <\/span><span>a <\/span><span>zainteresowanie <\/span><span>stawka <\/span><span>z <\/span><span>0.5%, <\/span><span>przedtem <\/span><span>op\u0142aty <\/span><span>oraz <\/span><span>podatki. <\/span><span>O godz. <\/span><span>0%, <\/span><span>to <\/span><span>by\u0142oby <\/span><span>otrzyma\u0107 <\/span><span>nie <\/span><span>zainteresowanie. <\/span><span>Ten <\/span><span>por\u00f3wnanie <\/span><span>jest <\/span><span>pogl\u0105dowe, <\/span><span>raczej <\/span><span>ni\u017c <\/span><span>a <\/span><span>miara <\/span><span>z <\/span><span>doch\u00f3d <\/span><span>obecnie <\/span><span>zagubiony <\/span><span>autor: <\/span><span>szwajcarski <\/span><span>podstawy, <\/span><span>oraz <\/span><span>zarobki <\/span><span>a <\/span><span>wy\u017cszy <\/span><span>powr\u00f3t <\/span><span>mo\u017ce <\/span><span>wymaga\u0107 <\/span><span>przyjmowanie <\/span><span>r\u00f3\u017cne <\/span><span>warunki <\/span><span>lub <\/span><span>ryzyko.<\/span><\/p><p><span>Bankowo\u015b\u0107 <\/span><span>koszty <\/span><span>ponadto <\/span><span>zas\u0142ugiwa\u0107 na <\/span><span>uwag\u0119, poniewa\u017c a<\/span><span>konto <\/span><span>op\u0142aty, <\/span><span>opiek\u0119 <\/span><span>op\u0142aty, <\/span><span>zarz\u0105dzanie inwestycjami <\/span><span>op\u0142aty <\/span><span>oraz <\/span><span>transakcja <\/span><span>koszty <\/span><span>zmniejszy\u0107 <\/span><span>ten <\/span><span>kwota <\/span><span>podstawy <\/span><span>zachowa\u0107 <\/span><span>z <\/span><span>ich <\/span><span>inwestycje.<\/span><\/p><p><span>A <\/span><span>0.25% <\/span><span>roczny <\/span><span>zarz\u0105dzanie <\/span><span>op\u0142ata <\/span><span>na <\/span><span>a <\/span><span>CHF <\/span><span>20 <\/span><span>milion <\/span><span>portfolio <\/span><span>kwoty <\/span><span>do <\/span><span>CHF <\/span><span>50 000. <\/span><span>O godz. <\/span><span>0.5%, <\/span><span>ten <\/span><span>roczny <\/span><span>op\u0142ata <\/span><span>wzrosty <\/span><span>do <\/span><span>CHF <\/span><span>100 000, <\/span><span>zak\u0142adaj\u0105c, \u017ce <\/span><span>ten <\/span><span>op\u0142ata <\/span><span>ma zastosowanie <\/span><span>do <\/span><span>ten <\/span><span>pe\u0142ny <\/span><span>portfolio <\/span><span>warto\u015b\u0107. <\/span><span>Podstawy <\/span><span>potrzeba <\/span><span>do <\/span><span>oceni\u0107 <\/span><span>co <\/span><span>us\u0142ugi <\/span><span>oni <\/span><span>otrzyma\u0107 <\/span><span>w <\/span><span>powr\u00f3t <\/span><span>oraz <\/span><span>czy <\/span><span>oni <\/span><span>m\u00f3g\u0142by <\/span><span>uzyska\u0107 <\/span><span>lepiej <\/span><span>warunki <\/span><span>gdzie indziej.<\/span><\/p><p><span>Ni\u017cej <\/span><span>op\u0142aty <\/span><span>zrobi\u0107 <\/span><span>nie <\/span><span>koniecznie <\/span><span>wyprodukowa\u0107 <\/span><span>lepiej <\/span><span>inwestycja <\/span><span>wyniki <\/span><span>je\u015bli <\/span><span>ta\u0144szy <\/span><span>us\u0142ugi <\/span><span>niepowodzenie <\/span><span>do <\/span><span>zapewni\u0107 <\/span><span>ten <\/span><span>nadz\u00f3r <\/span><span>lub <\/span><span>do\u015bwiadczenie <\/span><span>ten <\/span><span>organizacja <\/span><span>potrzeby. <\/span><span>Cz\u0142onkowie rady nadzorczej <\/span><span>powinno <\/span><span>por\u00f3wna\u0107 <\/span><span>koszty <\/span><span>obok <\/span><span>portfolio <\/span><span>wydajno\u015b\u0107, <\/span><span>ryzyko <\/span><span>oraz <\/span><span>ten <\/span><span>jako\u015b\u0107 <\/span><span>z <\/span><span>sprawozdawczo\u015b\u0107.<\/span><\/p><p><span>Ten <\/span><span>dost\u0119pne <\/span><span>szwajcarski <\/span><span>badania <\/span><span>czy <\/span><span>nie <\/span><span>ustanowi\u0107 <\/span><span>\u017ce <\/span><span>organizacje charytatywne <\/span><span>og\u00f3lnie rzecz bior\u0105c <\/span><span>wynagrodzenie <\/span><span>nadmierny <\/span><span>bankowo\u015b\u0107 <\/span><span>op\u0142aty. <\/span><span>To <\/span><span>czy <\/span><span>poka\u017c <\/span><span>dlaczego <\/span><span>koszty <\/span><span>zas\u0142ugiwa\u0107 na <\/span><span>uwaga <\/span><span>obok <\/span><span>inwestycja <\/span><span>zwraca, <\/span><span>w szczeg\u00f3lno\u015bci <\/span><span>dla <\/span><span>podstawy <\/span><span>\u017ce <\/span><span>zale\u017ce\u0107 <\/span><span>na <\/span><span>ich <\/span><span>portfele <\/span><span>do <\/span><span>finanse <\/span><span>dotacje.<\/span><\/p><h2><span>Dlaczego <\/span><span>Podstawy <\/span><span>Nie mo\u017cna <\/span><span>Inwestuj <\/span><span>Ka\u017cdy <\/span><span>Franc<\/span><\/h2><p><span>Podstawy <\/span><span>maj\u0105 <\/span><span>finansowy <\/span><span>zobowi\u0105zania <\/span><span>\u017ce <\/span><span>zrobi\u0107 <\/span><span>dost\u0119p <\/span><span>do <\/span><span>got\u00f3wka <\/span><span>jako <\/span><span>wa\u017cne <\/span><span>jako <\/span><span>inwestycja <\/span><span>wydajno\u015b\u0107. Wiele <\/span><span>zatwierdzi\u0107 <\/span><span>finansowanie <\/span><span>kilka <\/span><span>lata <\/span><span>przedtem <\/span><span>ten <\/span><span>pieni\u0105dze <\/span><span>jest <\/span><span>op\u0142acone. <\/span><span>A <\/span><span>fundacja <\/span><span>wspieraj\u0105ce <\/span><span>a <\/span><span>uniwersytet <\/span><span>badania <\/span><span>program <\/span><span>mo\u017ce <\/span><span>zatwierdzi\u0107 <\/span><span>do <\/span><span>roczny <\/span><span>p\u0142atno\u015bci <\/span><span>niezale\u017cnie od tego <\/span><span>z <\/span><span>jak <\/span><span>finansowy <\/span><span>rynki <\/span><span>wykona\u0107. <\/span><span>Inne <\/span><span>potrzeba <\/span><span>pieni\u0105dze <\/span><span>dost\u0119pne <\/span><span>dla <\/span><span>wynagrodzenia, <\/span><span>w\u0142a\u015bciwo\u015b\u0107 <\/span><span>konserwacja <\/span><span>lub <\/span><span>pilne <\/span><span>charytatywny <\/span><span>projekty.<\/span><\/p><p><span>Cz\u0142onkowie rady nadzorczej <\/span><span>trzeba <\/span><span>konto <\/span><span>dla <\/span><span>te <\/span><span>zobowi\u0105zania <\/span><span>przedtem <\/span><span>podejmowanie decyzji <\/span><span>jak <\/span><span>bardzo <\/span><span>pieni\u0105dze <\/span><span>do <\/span><span>inwestowa\u0107. Got\u00f3wka <\/span><span>mo\u017ce <\/span><span>by\u0107 <\/span><span>podzielone <\/span><span>w <\/span><span>trzy <\/span><span>szeroki <\/span><span>kategorie <\/span><span>zgodnie z <\/span><span>do <\/span><span>gdy <\/span><span>to <\/span><span>b\u0119dzie <\/span><span>by\u0107 <\/span><span>wydano: <\/span><span>eksploatacyjny <\/span><span>\u015brodki finansowe <\/span><span>dla <\/span><span>natychmiastowy <\/span><span>p\u0142atno\u015bci, <\/span><span>rezerwy <\/span><span>dla <\/span><span>zobowi\u0105zania <\/span><span>ponad <\/span><span>ten <\/span><span>dalej <\/span><span>kilka <\/span><span>lata <\/span><span>oraz <\/span><span>d\u0142ugoterminowy <\/span><span>kapita\u0142 <\/span><span>zamierzony <\/span><span>do <\/span><span>finanse <\/span><span>przysz\u0142o\u015b\u0107 <\/span><span>charytatywny <\/span><span>praca.<\/span><\/p><p><span>Ten <\/span><span>kwoty <\/span><span>w <\/span><span>ka\u017cdy <\/span><span>kategoria <\/span><span>zale\u017ce\u0107 <\/span><span>na <\/span><span>ten <\/span><span>fundacji <\/span><span>dzia\u0142ania <\/span><span>oraz <\/span><span>\u017ar\u00f3d\u0142a <\/span><span>z <\/span><span>doch\u00f3d. <\/span><span>An <\/span><span>organizacja <\/span><span>odbieranie <\/span><span>przewidywalny <\/span><span>roczny <\/span><span>darowizny <\/span><span>mo\u017ce <\/span><span>zarz\u0105dza\u0107 <\/span><span>jego <\/span><span>got\u00f3wka <\/span><span>inaczej <\/span><span>z <\/span><span>jeden <\/span><span>\u017ce <\/span><span>opiera si\u0119 na <\/span><span>prawie <\/span><span>ca\u0142kowicie <\/span><span>na <\/span><span>inwestycja <\/span><span>zwroty.<\/span><\/p><p><span>Inwestycje <\/span><span>ryzyko <\/span><span>ponadto <\/span><span>kwestie. <\/span><span>Pieni\u0105dze <\/span><span>potrzebne <\/span><span>w obr\u0119bie <\/span><span>miesi\u0105ce <\/span><span>powinno <\/span><span>nie <\/span><span>zazwyczaj <\/span><span>by\u0107 <\/span><span>ods\u0142oni\u0119ty <\/span><span>do <\/span><span>ten <\/span><span>to samo <\/span><span>rynek <\/span><span>wahania <\/span><span>jako <\/span><span>a <\/span><span>fundusz powierniczy <\/span><span>zamierzony <\/span><span>do <\/span><span>wsparcie <\/span><span>charytatywny <\/span><span>praca <\/span><span>dla <\/span><span>dziesi\u0119ciolecia.<\/span><\/p><p><span>A <\/span><span>fundacja <\/span><span>\u017ce <\/span><span>inwestuje <\/span><span>kr\u00f3tkoterminowy <\/span><span>rezerwy <\/span><span>w <\/span><span>akcje <\/span><span>m\u00f3g\u0142by <\/span><span>by\u0107 <\/span><span>wymuszony <\/span><span>do <\/span><span>sprzeda\u0107 <\/span><span>w trakcie <\/span><span>a <\/span><span>rynek <\/span><span>spowolnienie gospodarcze <\/span><span>do <\/span><span>honor <\/span><span>obecne <\/span><span>zobowi\u0105zania. <\/span><span>Nawet <\/span><span>wzgl\u0119dnie <\/span><span>bezpieczny <\/span><span>inwestycje <\/span><span>mo\u017ce <\/span><span>przegra\u0107 <\/span><span>warto\u015b\u0107 <\/span><span>je\u015bli <\/span><span>oni <\/span><span>trzeba <\/span><span>by\u0107 <\/span><span>sprzedane <\/span><span>przedtem <\/span><span>dojrza\u0142o\u015b\u0107.<\/span><\/p><p><span>Waluta obca <\/span><span>wp\u0142aty <\/span><span>przedstawi\u0107 <\/span><span>kolejny <\/span><span>ryzyko. <\/span><span>Wy\u017cszy <\/span><span>zainteresowanie <\/span><span>stawki <\/span><span>w <\/span><span>euro <\/span><span>lub <\/span><span>dolary <\/span><span>mo\u017ce <\/span><span>pojawia\u0107 si\u0119 <\/span><span>atrakcyjny <\/span><span>gdy <\/span><span>frank szwajcarski <\/span><span>wp\u0142aty <\/span><span>oferta <\/span><span>troch\u0119 <\/span><span>doch\u00f3d, <\/span><span>ale <\/span><span>a <\/span><span>niekorzystny <\/span><span>kurs walutowy <\/span><span>ruch <\/span><span>mo\u017ce <\/span><span>zmniejszy\u0107 <\/span><span>ten <\/span><span>kwota <\/span><span>dost\u0119pne <\/span><span>dla <\/span><span>dotacje <\/span><span>op\u0142acone <\/span><span>w <\/span><span>franki.<\/span><\/p><p><span>Posiadanie <\/span><span>zagraniczny <\/span><span>waluty <\/span><span>mo\u017ce <\/span><span>zrobi\u0107 <\/span><span>sens <\/span><span>gdzie <\/span><span>a <\/span><span>fundacja <\/span><span>ma <\/span><span>odpowiadaj\u0105cy <\/span><span>wydatki <\/span><span>zobowi\u0105zania <\/span><span>za granic\u0105. <\/span><span>W przeciwnym razie, <\/span><span>cz\u0142onkowie rady nadzorczej <\/span><span>trzeba <\/span><span>oceni\u0107 <\/span><span>czy <\/span><span>ten <\/span><span>dodatkowe <\/span><span>zainteresowanie <\/span><span>uzasadnia <\/span><span>ten <\/span><span>mo\u017cliwo\u015b\u0107 <\/span><span>z <\/span><span>straty <\/span><span>gdy <\/span><span>konwersja <\/span><span>ten <\/span><span>pieni\u0105dze <\/span><span>wstecz <\/span><span>w <\/span><span>szwajcarski <\/span><span>franki.<\/span><\/p><h2><span>Co <\/span><span>Fundacja <\/span><span>Tablice <\/span><span>Czy nale\u017cy <\/span><span>Spodziewaj si\u0119 <\/span><span>Od <\/span><span>Ich <\/span><span>Banki<\/span><\/h2><p><span>szwajcarski <\/span><span>podstawy <\/span><span>pozosta\u0107 <\/span><span>odpowiedzialny <\/span><span>dla <\/span><span>ich <\/span><span>inwestycja <\/span><span>polityki <\/span><span>nawet <\/span><span>gdy <\/span><span>oni <\/span><span>mianowa\u0107 <\/span><span>banki <\/span><span>lub <\/span><span>zewn\u0119trzny <\/span><span>aktywa <\/span><span>kierownicy. The <\/span><span>szwajcarski <\/span><span>Fundacja <\/span><span>Kod <\/span><span>zaleca <\/span><span>\u017ce <\/span><span>p\u0142yty <\/span><span>zarz\u0105dza\u0107 <\/span><span>aktywa <\/span><span>z zawodowego punktu widzenia, <\/span><span>zachowa\u0107 <\/span><span>koszty <\/span><span>pod <\/span><span>kontrola <\/span><span>oraz <\/span><span>rozwa\u017cy\u0107 <\/span><span>bezpiecze\u0144stwo, <\/span><span>dywersyfikacja, <\/span><span>zwroty <\/span><span>oraz <\/span><span>dost\u0119p <\/span><span>do <\/span><span>got\u00f3wka <\/span><span>gdy <\/span><span>ustawienie <\/span><span>ich <\/span><span>inwestycja <\/span><span>strategia. <\/span><span>To <\/span><span>ponadto <\/span><span>po\u0142\u0105czenia <\/span><span>dla <\/span><span>zwyk\u0142y <\/span><span>recenzje <\/span><span>oraz <\/span><span>\u015brodki <\/span><span>do <\/span><span>zapobiega\u0107 <\/span><span>konflikty <\/span><span>z <\/span><span>zainteresowanie.<\/span><\/p><p><span>Te <\/span><span>obowi\u0105zki <\/span><span>obejmowa\u0107 <\/span><span>praktyczny <\/span><span>decyzje, poniewa\u017c cz\u0142onkowie rady powierniczej <\/span><span>potrzeba <\/span><span>do <\/span><span>wiedzie\u0107 <\/span><span>jak <\/span><span>bardzo <\/span><span>pieni\u0105dze <\/span><span>ten <\/span><span>fundacja <\/span><span>przewiduje <\/span><span>do <\/span><span>rozpowszechnia\u0107, <\/span><span>kt\u00f3ry <\/span><span>aktywa <\/span><span>mo\u017ce <\/span><span>by\u0107 <\/span><span>sprzedane <\/span><span>gdy <\/span><span>p\u0142atno\u015bci <\/span><span>jesie\u0144 <\/span><span>z powodu <\/span><span>oraz <\/span><span>czy <\/span><span>inwestycja <\/span><span>kierownicy <\/span><span>s\u0105 <\/span><span>przyjmowanie <\/span><span>ryzyka <\/span><span>sp\u00f3jny <\/span><span>z <\/span><span>te <\/span><span>wymagania.<\/span><\/p><p><span>Bankowo\u015b\u0107 <\/span><span>umowy <\/span><span>powinno <\/span><span>wyra\u017anie <\/span><span>stan <\/span><span>co <\/span><span>ten <\/span><span>instytucja <\/span><span>op\u0142aty <\/span><span>dla <\/span><span>opiek\u0119, <\/span><span>transakcje, <\/span><span>inwestycja <\/span><span>zarz\u0105dzanie <\/span><span>oraz <\/span><span>inne <\/span><span>us\u0142ugi. <\/span><span>Podstawy <\/span><span>powinno <\/span><span>ponadto <\/span><span>zrozumie\u0107 <\/span><span>ten <\/span><span>warunki <\/span><span>w za\u0142\u0105czniku <\/span><span>do <\/span><span>wp\u0142aty <\/span><span>oraz <\/span><span>gdy <\/span><span>oni <\/span><span>mo\u017ce <\/span><span>wycofa\u0107 si\u0119 <\/span><span>ich <\/span><span>pieni\u0105dze.<\/span><\/p><p><span>Por\u00f3wnanie <\/span><span>banki <\/span><span>staje si\u0119 <\/span><span>w szczeg\u00f3lno\u015bci <\/span><span>istotne <\/span><span>gdy <\/span><span>a <\/span><span>fundacja <\/span><span>ma <\/span><span>skumulowane <\/span><span>znaczny <\/span><span>salda <\/span><span>przez <\/span><span>darowizny, <\/span><span>inwestycja <\/span><span>wp\u0142ywy <\/span><span>lub <\/span><span>op\u00f3\u017aniony <\/span><span>wydatki. <\/span><span>Konta <\/span><span>otwarte <\/span><span>lata <\/span><span>wcze\u015bniej <\/span><span>mo\u017ce <\/span><span>nie <\/span><span>d\u0142u\u017cej <\/span><span>oferta <\/span><span>ten <\/span><span>najbardziej <\/span><span>odpowiedni <\/span><span>warunki.<\/span><\/p><p><span>Ten <\/span><span>inwestycja <\/span><span>polityka <\/span><span>ponadto <\/span><span>potrzeby <\/span><span>zwyk\u0142y <\/span><span>recenzja. <\/span><span>Je\u015bli <\/span><span>rynek <\/span><span>zyski <\/span><span>wzrost <\/span><span>ten <\/span><span>kapita\u0142 w\u0142asny <\/span><span>udost\u0119pnij <\/span><span>z <\/span><span>a <\/span><span>portfolio <\/span><span>poza <\/span><span>ten <\/span><span>zgodzi\u0142em si\u0119 <\/span><span>przydzia\u0142, <\/span><span>cz\u0142onkowie rady nadzorczej <\/span><span>mo\u017ce <\/span><span>potrzeba <\/span><span>do <\/span><span>dostosowa\u0107 <\/span><span>ich <\/span><span>udzia\u0142y. <\/span><span>Je\u015bli <\/span><span>a <\/span><span>fundacja <\/span><span>zatwierdza <\/span><span>a <\/span><span>du\u017cy <\/span><span>nowy <\/span><span>program, <\/span><span>to <\/span><span>mo\u017ce <\/span><span>potrzeba <\/span><span>do <\/span><span>podnie\u015b\u0107 <\/span><span>got\u00f3wka <\/span><span>przedtem <\/span><span>ten <\/span><span>po pierwsze <\/span><span>p\u0142atno\u015b\u0107 <\/span><span>staje si\u0119 <\/span><span>nale\u017cne.<\/span><\/p><p><span>Banki <\/span><span>oraz <\/span><span>inwestycja <\/span><span>kierownicy <\/span><span>mo\u017ce <\/span><span>doradza\u0107 <\/span><span>na <\/span><span>te <\/span><span>decyzje, <\/span><span>ale <\/span><span>fundacja <\/span><span>p\u0142yty <\/span><span>trzeba <\/span><span>zdecydowa\u0107 <\/span><span>jak <\/span><span>bardzo <\/span><span>ryzyko <\/span><span>oni <\/span><span>mo\u017ce <\/span><span>zaakceptowa\u0107 <\/span><span>w <\/span><span>po\u015bcig <\/span><span>z <\/span><span>zwroty.<\/span><\/p><h2><span>Jak <\/span><span>Inwestycje <\/span><span>Decyzje <\/span><span>Afekt <\/span><span>Charytatywny <\/span><span>Wydatki<\/span><\/h2><p><span>An <\/span><span>organizacja <\/span><span>\u017ce <\/span><span>wydaje <\/span><span>te\u017c <\/span><span>bardzo <\/span><span>z <\/span><span>jego <\/span><span>kapita\u0142 <\/span><span>w trakcie <\/span><span>pogrubiony <\/span><span>rynek <\/span><span>lata <\/span><span>mo\u017ce <\/span><span>walka <\/span><span>do <\/span><span>utrzymywa\u0107 <\/span><span>dotacje <\/span><span>po <\/span><span>straty. <\/span><span>Kolejny <\/span><span>\u017ce <\/span><span>utrzymuje <\/span><span>najbardziej <\/span><span>z <\/span><span>jego <\/span><span>bogactwo <\/span><span>w <\/span><span>got\u00f3wka <\/span><span>mo\u017ce <\/span><span>chroni\u0107 <\/span><span>ten <\/span><span>nominalny <\/span><span>warto\u015b\u0107 <\/span><span>z <\/span><span>jego <\/span><span>rezerwy <\/span><span>podczas gdy <\/span><span>zarobki <\/span><span>te\u017c <\/span><span>troch\u0119 <\/span><span>do <\/span><span>utrzymywa\u0107 <\/span><span>ich <\/span><span>zakupy <\/span><span>moc <\/span><span>ponad <\/span><span>czas.<\/span><\/p><p><span>Nawet <\/span><span>skromny <\/span><span>inflacja <\/span><span>mo\u017ce <\/span><span>wp\u0142ywa\u0107 na <\/span><span>ten <\/span><span>kwota <\/span><span>a <\/span><span>fundacja <\/span><span>mo\u017ce <\/span><span>fundusz. <\/span><span>O godz. <\/span><span>roczny <\/span><span>inflacja <\/span><span>z <\/span><span>1%, <\/span><span>CHF <\/span><span>10 <\/span><span>milion <\/span><span>odby\u0142o si\u0119 <\/span><span>bez <\/span><span>zainteresowanie <\/span><span>by\u0142oby <\/span><span>zachowa\u0107 <\/span><span>jego <\/span><span>nominalny <\/span><span>warto\u015b\u0107 <\/span><span>ale <\/span><span>przegra\u0107 <\/span><span>mniej wi\u0119cej <\/span><span>CHF <\/span><span>100 000 <\/span><span>w <\/span><span>zakupy <\/span><span>moc <\/span><span>ponad <\/span><span>jeden <\/span><span>rok.<\/span><\/p><p><span>Podstawy <\/span><span>ustanowiony <\/span><span>do <\/span><span>dzia\u0142a\u0107 <\/span><span>na czas nieokre\u015blony <\/span><span>trzeba <\/span><span>konto <\/span><span>dla <\/span><span>inflacja <\/span><span>gdy <\/span><span>podejmowanie decyzji <\/span><span>jak <\/span><span>bardzo <\/span><span>doch\u00f3d <\/span><span>do <\/span><span>rozpowszechnia\u0107 <\/span><span>oraz <\/span><span>jak <\/span><span>bardzo <\/span><span>do <\/span><span>ponownie zainwestowa\u0107. <\/span><span>Te <\/span><span>zamierzaj\u0105c <\/span><span>do <\/span><span>wydawa\u0107 <\/span><span>ich <\/span><span>aktywa <\/span><span>ponad <\/span><span>a <\/span><span>zdefiniowane <\/span><span>okres <\/span><span>mo\u017ce <\/span><span>we\u017a <\/span><span>a <\/span><span>r\u00f3\u017cne <\/span><span>podej\u015bcie, <\/span><span>stopniowo <\/span><span>wydatki <\/span><span>ich <\/span><span>kapita\u0142 <\/span><span>zgodnie z <\/span><span>do <\/span><span>ich <\/span><span>pozosta\u0142e <\/span><span>zobowi\u0105zania.<\/span><\/p><p><span>Ten <\/span><span>SwissFoundations <\/span><span>punkt odniesienia <\/span><span>wskazuje, \u017ce <\/span><span>\u017ce <\/span><span>wiele <\/span><span>ustanowiony <\/span><span>podstawy <\/span><span>ju\u017c <\/span><span>u\u017cycie <\/span><span>zr\u00f3\u017cnicowany <\/span><span>portfele <\/span><span>do <\/span><span>wsparcie <\/span><span>d\u0142ugoterminowy <\/span><span>finansowanie. <\/span><span>Ich <\/span><span>zwroty <\/span><span>w <\/span><span>2025 <\/span><span>by\u0142y <\/span><span>pozytywny, <\/span><span>ale <\/span><span>przysz\u0142o\u015b\u0107 <\/span><span>dotacje <\/span><span>nie mo\u017cna <\/span><span>by\u0107 <\/span><span>w oparciu o <\/span><span>na <\/span><span>ten <\/span><span>za\u0142o\u017cenie <\/span><span>\u017ce <\/span><span>finansowy <\/span><span>rynki <\/span><span>b\u0119dzie <\/span><span>dostarczy\u0107 <\/span><span>podobny <\/span><span>zyski <\/span><span>ka\u017cdy <\/span><span>rok.<\/span><\/p><p><span>Tablice <\/span><span>trzeba <\/span><span>rozwa\u017cy\u0107 <\/span><span>co <\/span><span>dzieje si\u0119 <\/span><span>gdy <\/span><span>zwroty <\/span><span>jesie\u0144 <\/span><span>kr\u00f3tki <\/span><span>z <\/span><span>oczekiwania. <\/span><span>Oni <\/span><span>mo\u017ce <\/span><span>potrzeba <\/span><span>wystarczaj\u0105cy <\/span><span>rezerwy <\/span><span>do <\/span><span>utrzymywa\u0107 <\/span><span>zgodzi\u0142em si\u0119 <\/span><span>finansowanie, <\/span><span>poprawi\u0107 <\/span><span>przysz\u0142o\u015b\u0107 <\/span><span>dotacje <\/span><span>lub <\/span><span>dostosowa\u0107 <\/span><span>jak <\/span><span>szybko <\/span><span>oni <\/span><span>wydawa\u0107 <\/span><span>ich <\/span><span>kapita\u0142.<\/span><\/p><p><span>Szwajcaria <\/span><span>CHF <\/span><span>159.6 <\/span><span>miliard <\/span><span>fundacja <\/span><span>sektor <\/span><span>posiada <\/span><span>wystarczaj\u0105co <\/span><span>pieni\u0105dze <\/span><span>dla <\/span><span>inwestycja <\/span><span>decyzje <\/span><span>do <\/span><span>maj\u0105 <\/span><span>znaczny <\/span><span>finansowy <\/span><span>konsekwencje. <\/span><span>Ten <\/span><span>odpowiedni <\/span><span>podej\u015bcie <\/span><span>r\u00f3\u017cni si\u0119 <\/span><span>z <\/span><span>jeden <\/span><span>organizacja <\/span><span>do <\/span><span>kolejny, <\/span><span>w zale\u017cno\u015bci od <\/span><span>na <\/span><span>jego <\/span><span>cel, <\/span><span>wydatki <\/span><span>zobowi\u0105zania <\/span><span>oraz <\/span><span>zdolno\u015b\u0107 <\/span><span>do <\/span><span>wytrzyma\u0107 <\/span><span>straty.<\/span><\/p><p><span>Wraz z <\/span><span>szwajcarski <\/span><span>zainteresowanie <\/span><span>stawki <\/span><span>w <\/span><span>zero, <\/span><span>got\u00f3wka <\/span><span>sam <\/span><span>oferty <\/span><span>ograniczony <\/span><span>doch\u00f3d. <\/span><span><a href=\"https:\/\/www.rotharia.com\/pl\/kategoria\/zarzadzanie-majatkiem\/wplyw-filantropii\/\">Podstawy<\/a> <\/span><span>nadal <\/span><span>potrzeba <\/span><span>wystarczaj\u0105co <\/span><span>z <\/span><span>to <\/span><span>do <\/span><span>spotka\u0107 si\u0119 <\/span><span>ich <\/span><span>zobowi\u0105zania, <\/span><span>podczas gdy <\/span><span>inwestowanie <\/span><span>pieni\u0105dze <\/span><span>oni <\/span><span>b\u0119dzie <\/span><span>nie <\/span><span>potrzeba <\/span><span>natychmiast <\/span><span>zgodnie z <\/span><span>do <\/span><span>a <\/span><span>wyra\u017any <\/span><span>finansowy <\/span><span>plan. <\/span><span>Zwyk\u0142y <\/span><span>recenzje <\/span><span>z <\/span><span>bankowo\u015b\u0107 <\/span><span>koszty, <\/span><span>got\u00f3wka <\/span><span>rezerwy <\/span><span>oraz <\/span><span>inwestycja <\/span><span>wydajno\u015b\u0107 <\/span><span>pomoc <\/span><span>cz\u0142onkowie rady nadzorczej <\/span><span>ustali\u0107 <\/span><span>jak <\/span><span>bardzo <\/span><span>oni <\/span><span>mo\u017ce <\/span><span>rozpowszechnia\u0107 <\/span><span>bez <\/span><span>umieszczanie <\/span><span>przysz\u0142o\u015b\u0107 <\/span><span>charytatywny <\/span><span>praca <\/span><span>w <\/span><span>ryzyko.<br><br><\/span><\/p><p><span><i>ROTHARIA\/Filantropia\/Praktyczny przewodnik&nbsp;<\/i><\/span><\/p><h3 data-pm-slice=\"1 1 []\"><span>Jak zorganizowa\u0107 darowizny na cele charytatywne w Szwajcarii<\/span><\/h3><p><span>Zamo\u017cne osoby planuj\u0105ce przekazanie znacznych darowizn powinny przed przekazaniem aktyw\u00f3w organizacji charytatywnej ustali\u0107, jak\u0105 kwot\u0119 chc\u0105 przeznaczy\u0107, w jaki spos\u00f3b \u015brodki te b\u0119d\u0105 zarz\u0105dzane oraz kto b\u0119dzie nadzorowa\u0142 ich rozdysponowanie.<\/span><\/p><p><strong><span>1. Wybierz, w jaki spos\u00f3b chcesz przekaza\u0107 darowizn\u0119.<\/span><\/strong><\/p><p><span>Bezpo\u015brednie darowizny s\u0105 odpowiednim rozwi\u0105zaniem dla os\u00f3b, kt\u00f3re chc\u0105 wspiera\u0107 istniej\u0105ce organizacje charytatywne bez ponoszenia obowi\u0105zk\u00f3w administracyjnych. Darczy\u0144cy zainteresowani d\u0142ugoterminowym programem mog\u0105 za\u0142o\u017cy\u0107 w\u0142asn\u0105 fundacj\u0119 charytatywn\u0105 lub utworzy\u0107 fundusz imienny w ramach istniej\u0105cej fundacji parasolowej. To drugie rozwi\u0105zanie pozwala darczy\u0144com na rekomendowanie projekt\u00f3w, podczas gdy fundacja macierzysta zajmuje si\u0119 sprawami administracyjnymi i ponosi ostateczn\u0105 odpowiedzialno\u015b\u0107 prawn\u0105.<\/span><\/p><p><strong><span>2. Przed przeniesieniem aktyw\u00f3w nale\u017cy sprawdzi\u0107 zasady opodatkowania.<\/span><\/strong><\/p><p><span>Darowizny na rzecz szwajcarskich organizacji charytatywnych zwolnionych z podatku mo\u017cna zasadniczo odliczy\u0107 od dochodu netto do wysoko\u015bci 20% dla cel\u00f3w federalnego podatku dochodowego, z zastrze\u017ceniem warunk\u00f3w okre\u015blonych w przepisach. Przepisy kantonalne mog\u0105 si\u0119 r\u00f3\u017cni\u0107. W przypadku du\u017cych darowizn, zw\u0142aszcza tych obejmuj\u0105cych akcje, nieruchomo\u015bci lub aktywa zagraniczne, przed dokonaniem przekazania warto zasi\u0119gn\u0105\u0107 specjalistycznej porady podatkowej.<\/span><\/p><p><strong><span>3. Uzgodnijcie, w jaki spos\u00f3b zostan\u0105 zainwestowane pieni\u0105dze.<\/span><\/strong><\/p><p><span>Zapytaj, jak\u0105 kwot\u0119 organizacja przechowuje w got\u00f3wce, jakie aktywa posiada oraz jakie op\u0142aty ponosi z tytu\u0142u zarz\u0105dzania, przechowywania i transakcji. Je\u015bli darowizna ma s\u0142u\u017cy\u0107 do finansowania dotacji przez wiele lat, ustal, w jaki spos\u00f3b polityka inwestycyjna zapewni pokrycie tych p\u0142atno\u015bci bez podejmowania nadmiernego ryzyka.<\/span><\/p><p><strong><span>4. Zdecyduj, w jakim stopniu chcesz zachowa\u0107 kontrol\u0119.<\/span><\/strong><\/p><p><span>Za\u0142o\u017cenie niezale\u017cnej szwajcarskiej fundacji wi\u0105\u017ce si\u0119 z nieodwo\u0142alnym przeznaczeniem aktyw\u00f3w na cele charytatywne. Darczy\u0144cy korzystaj\u0105cy z fundacji parasolowej mog\u0105 pe\u0142ni\u0107 rol\u0119 doradcz\u0105, ale nie s\u0105 w\u0142a\u015bcicielami przekazanych aktyw\u00f3w ani nie maj\u0105 nieograniczonej w\u0142adzy w zakresie ich rozdzielania.<\/span><\/p><p><strong><span>5. Wymaga\u0107 regularnego sk\u0142adania sprawozda\u0144 finansowych i sprawozda\u0144 dotycz\u0105cych dotacji.<\/span><\/strong><\/p><p><span>Nale\u017cy prosi\u0107 o coroczne informacje dotycz\u0105ce zwrot\u00f3w z inwestycji po odliczeniu op\u0142at, wyp\u0142aconych dotacji, rezerw got\u00f3wkowych oraz post\u0119p\u00f3w w realizacji uzgodnionych cel\u00f3w charytatywnych. W przypadku gdy cz\u0142onkowie rodziny uczestnicz\u0105 w podejmowaniu decyzji, nale\u017cy okre\u015bli\u0107 ich obowi\u0105zki oraz spos\u00f3b, w jaki przysz\u0142e pokolenia b\u0119d\u0105 anga\u017cowa\u0107 si\u0119 w te dzia\u0142ania.<\/span><\/p><p><span>Zanim zainwestujesz znaczn\u0105 kwot\u0119, por\u00f3wnaj ca\u0142kowite koszty prowadzenia niezale\u017cnej fundacji z kosztami zwi\u0105zanymi z funduszem charytatywnym zarz\u0105dzanym przez podmiot zewn\u0119trzny. Szwajcarski kodeks fundacji zawiera wytyczne dotycz\u0105ce nadzoru nad inwestycjami, \u0142adu korporacyjnego oraz obowi\u0105zk\u00f3w zarz\u0105d\u00f3w fundacji.<\/span><\/p><p><br><span><i><br><br><br><\/i><\/span><\/p><br>","protected":false},"excerpt":{"rendered":"<p>Szwajcarskie fundacje zarz\u0105dzaj\u0105 aktywami o warto\u015bci 159,6 mld CHF, jednak decyzje inwestycyjne maj\u0105 wp\u0142yw na to, jaka cz\u0119\u015b\u0107 tych \u015brodk\u00f3w trafia na cele charytatywne. 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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\/pl\/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\/pl\/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. 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