Superpowers for your Portfolio Managers.

The Situation: Christian has a strong financial and tax advisor who has structured his assets in a vvGmbH. He benefits from a 95% capital gains tax exemption on direct share income, which does not apply when buying funds or ETFs. He manages close to EUR 6m in this structure and wants to replace recurring manual account management with a managed setup.

Solution: His private banker proposes a direct indexing strategy tailored to his preferences and continuously maintained by a rules-based portfolio management system. The mandate stays 100% in direct equities to preserve maximum tax benefits.

The Situation: Konstanze is retired and lives from the returns of her broadly diversified EUR 30m portfolio. She needs to withdraw roughly EUR 1.5m per year in plannable installments.

Solution: Her family office uses a smart withdrawal strategy where the system monitors each indivuídual position and proposes sales from those that can be realized tax-efficiently, where withdrawals rebalance positions with a lot of drift from the target weight, or from positions earmarked for optimization. This keeps withdrawals tax-aware and aligned with the portfolio strategy. It also minimizes the family officers efforts.

The Situation: Primavista's CIO faces rising, ETF-driven, fee pressure while preserving the bank's stock-picking edge.

Solution: The bank launches an active overlay on top of an indexed equity model portfolio. The active overlay is managed centrally by the bank, while the indexed core is managed by Realist algorithms. This enables a high-quality managed portfolio service at customer-friendly cost levels. The CIO can operate the overlay on a granular basis while keeping a cost basis of a leighweight ETF portfolio.