Quantum Wealth SA – “Information Sheet”

This Information Sheet complies with the Swiss Federal Act on Financial Services (FinSA), the related Ordinance (FinSO), the FINMA Circular 2025/2 (“Conduct Obligations under the FinSA/FinSO”) and the conduct obligations set out in the applicable regulations.

Its purpose is to provide information about our company, Quantum Wealth SA (hereinafter “QW”), the financial services we offer, their risks and costs, as well as potential conflicts of interest and indemnities from third parties.

Information on the financial service provider

Company details

QW SA is a joint stock company under Swiss law, established in compliance with its owns articles of association and the provisions of the Swiss Code of Obligations (CO), listed in the Register of Commerce of Canton Ticino since 13.10.2011, company and VAT number CHE-425.558.059, LEI code 25490097VGTT8REQ8I39. The registered office of QW is at Viale Giuseppe Cattori 5, 6902 Lugano-Paradiso, Switzerland, tel. +41 91 60 10 200, info@quantumwealth.swiss, website: www.quantumwealth.swiss.

The company PKF Certifica SA, Lugano is our statutory auditor as well as our auditor pursuant to FinSA.

Supervisory authority

QW is authorized by the Swiss Financial Market Supervisory Authority FINMA (www.finma.ch) as portfolio manager according to Art. 2 par.1 lett.a Swiss Federal Act on Financial Institutions (FinIA) in connection with Art. 5 par.1 FinIA (authorisation number F01291206). QW is submitted to the continuous supervision of a Supervisory Organisation (SO) according to Art. 61 of FinIA and Art. 43a ff FINMASA, specifically OSFIN Supervisory Financial Organisation (www.osfin.ch, info@osfin.ch). QW is a financial intermediary pursuant to the Federal Act on Combating Money Laundering and Terrorist Financing (AMLA, SR 955.0) and is subject to supervision pursuant to AMLA exercised by OSFIN.

Purpose and field of activity

The purpose of QW is to provide financial services pursuant to Art. 17 par.1 FinIA on behalf of its own clients and concerning their assets. The services entail the management of financial instruments (portfolio management), the provision of customized recommendations concerning transactions with financial instruments (investment advisory) and the analysis of portfolios, in compliance with Art. 3c no. 1-4 FinSA.

QW is an active member of the Swiss Association of Wealth Managers (SAM, www.vsv-asg.ch), which imposes a strict code of conduct (code of ethics) on its members.

Mediation procedure

Should any dispute arise concerning the interpretation and the execution of the Portfolio Management Mandate and of the Investment Advisory Mandate (“Mandates”), the Court of Lugano shall be exclusively competent. The Client is entitled to start a mediation procedure pursuant to Art. 74 and subsequent Articles FinSA before a mediation organisation, in our case the OFS Ombud Finance Switzerland, contact@ombudfinance.ch, www.ombudfinance.ch, to which we are affiliated. The submission of a mediation application to the mediation organisation does not exclude the possibility of taking the case to a civil court.

Information on the type of financial service

Portfolio Management Mandate

By granting of a Portfolio Management Mandate (by means of a written contract), QW is authorised, considering the investment strategy and any instructions given by the Client (including any investment restrictions), to autonomously define and modify the portfolio composition, and perform, at its own discretion, the purchase and sale transactions, spot or forward, whether on an exchange or over-the-counter, of all ordinary financial instruments and securities as defined by Art. 3, letters a and b FinSA and by the Swiss Bankers Association (SBA, www.swissbanking.ch). However, QW does not use Contracts for Difference (“CFD”). Depending on and considering the Client’s personal situation, individual objectives, expected return, and risk profile/appropriateness test in accordance with Art. 12 of FinSA, an investment strategy is defined within the framework of the options specified in the mandate. The strategy is periodically reviewed for appropriateness and suitability, and redefined if necessary.

Investment Advisory Mandate

By granting of an Investment Advisory Mandate (by means of a written contract), QW advises the Client, considering a customized investment strategy and any instructions (including any investment restrictions), specific  investment opportunities, including, but not limited to the purchase and sale operations, spot or forward, whether on an exchange or over-the-counter, of all ordinary financial instruments and securities as defined by art. 3, letters a and b FinSA and by the SBA,. However, QW does not advise using Contracts for Difference (“CFD”). Depending on and considering the Client’s personal situation, individual objectives, expected return and risk profile/appropriateness test in accordance with Art. 12 of FinSA, an investment strategy is defined for the advice requested, which falls within one of the options specified in the mandate. The strategy is periodically reviewed for appropriateness and suitability, and redefined if necessary. The Client will be solely responsible in the event the chosen risk levels do not comply with the suitability tests carried out by QW, subject to prior notification by QW.

Information on the risks associated with the financial service

QW manages the assets subject to the financial service chosen through the Mandates with due diligence in accordance with the investment strategy chosen by the Client and defined on the basis of Client’s financial risk profile (attached to the Mandates). Within the framework of the investment strategy, QW ensures an adequate risk diversification, without being able to avoid with certainty a temporary concentration on certain types of financial instruments or categories of investments.

The Client can specify several criteria for portfolio diversification in the Mandates (under point 3 “Special provisions”), in particular by specifying maximum percentages, excluding or limiting the possibility of investing in certain categories of financial instruments and limiting the maximum proportion invested in individual securities or issuers.

The Client accepts that the investment strategy may result in losses or have adverse effects, in particular negative tax consequences. The Client acknowledges that past performance of an investment instrument is not indicative or a guarantee of future results.

Information on risks associated with financial instruments

Transactions in financial instruments involve both opportunities and risks. It is therefore important to know and understand these risks before using a financial service. We recommend reading the brochure «Risks Involved in Trading Financial Instruments»,which contains general information on typical investment services and the characteristics and risks of financial instruments. This information on risks should always be considered before engaging in any investment activity. The brochure (edition June 2023 or a subsequent one) is published by the SBA and can be requested in paper form or viewed on SBA website: www.swissbanking.ch.

The Client is aware that all financial instruments, even if guaranteed in capital, carry a risk of loss. These risks may in particular consist of:

  • Solvency risk, i.e. the risk that the issuer or counterparty may not be able to fulfil its obligations, in particular to pay contractual interest, or to repay the principal in whole or in part, due to financial difficulties or even insolvency.
  • Market risk, i.e. the risk that the price of the investments (the price of equities or bonds or the redemption value of collective investment schemes) may fluctuate during the tenor of the investment and, in particular, may decrease or even result in a total loss.
  • Exchange rate risk, i.e. the risk that, when an investment is made in a currency other than the investor’s reference currency, fluctuations between the exchange rate of these two currencies result in losses for the investor
  • Interest rate risk, i.e. market risk arising from fluctuations in the reference interest rates, which may adversely affect the market price of bond investments.
  • Liquidity risk, i.e. the risk of being unable to sell all or part of the investments quickly at an appropriate price.
  • Concentration risk, i.e. the risk of incurring significant losses because of the negative performance of a small number of financial instruments, due to a temporary or lasting reduction in portfolio diversification. Concentration risk arises when a significant proportion of the portfolio is invested in securities of a single issuer, a specific economic sector or a single geographical region.
  • Risks associated with real estate investments, being such investments illiquid, the calculation of the net asset value of real estate companies or collective investment schemes depends therefore on an asset valuation that is carried out only at regular intervals, generally on an annual basis, while prices may fluctuate at any time.
  • Risks associated with investments in emerging markets, which carry increased risks associated with their political and economic instability and a less transparent legal framework.
  • Risks associated with alternative investments, which may involve significant risk of loss. Such investments may involve the use of instruments with significant leverage, whereby greater gains than with a direct investment without leverage may be achieved, however they may also cause significant losses, sometimes exceeding the capital invested. They may also involve instruments constituting a long-term investment, not listed on a stock exchange, not traded on an organised market, or allowing to be unwound only periodically or on specific dates.

Information on costs

Within the framework of financial services, some fees, costs, expenses and taxes can be applied both by QW and by third parties (custodian bank, brokers, service providers, charges relative to the financial instruments in the portfolio, etc.). The client is entitled to ask for the details of any charges at any time.

With regard to QW, the Client is charged a quarterly fee in CHF and might be charged a yearly performance fee in CHF, as defined in point 7.1. of the Mandates. The Client may be charged some additional expenses, such as reimbursement of third party costs/fees advanced by QW on behalf of the Client or to cover out-of-pocket expenses, as defined in point 7.3 of the Mandates.

In relation to third party costs, the custodian bank charges its own administration and custody fees, as well as trading fees, stamp duties and any third party (broker) costs. If the Client makes use of service providers (for example in the case of relationships in the name of companies, foundations or trusts, Italian fiduciary companies, life insurance companies, etc.), the relevant costs and fees will also be charged to the Client’s banking relationship, unless otherwise agreed with the service provider.

We would also like to draw the Client’s attention to the fact that certain financial instruments used within the framework of the financial services provided, such as investment funds, certificates and structured products, are internally charged with costs and fees that are charged by the issuer directly to the specific financial instrument. For details of such costs and fees, please refer to the prospectus or basic information sheet of the financial instrument, which is available from QW on request.

Conflicts of interest

Information on the use of own and third party financial instruments

The market offer which QW takes into consideration within the framework of selection of financial instruments used or recommended to implement the investment strategy of the Mandates may include both own financial instruments, i.e. issued, managed or advised by QW or a company with which it has close link, and financial instruments of third parties. The Client is made aware of the fact that the use of own financial instruments may result in a conflict of interest and the Client gives consent to such use. QW has taken adequate measures to mitigate the potential risks of conflict of interest and to limit the possible costs for the Client.

QW shall ensure that the Client’s interests are safeguarded in the event of conflicts of interest, in particular by not favouring investments in own financial instruments, except after having applied a selection process of financial instruments based on objective criteria commonly used in the industry.

Organisational measures

In accordance with Art. 25 par. 2 FinSA and Art. 26 FinSO, QW has taken appropriate organisational measures to mitigate potential conflicts of interest that may arise from the provision of financial services and to prevent such conflicts from causing harm to Clients. QW does not manage or advise investment funds. Nor does QW distribute investment funds or other financial instruments. Therefore, economic constraints and potential conflicts of interest are minimal. However, for the sake of completeness and transparency, and as we cannot completely rule out any potential detriment to clients, we hereby disclose that the following circumstances or activities may give rise to a potential conflict of interest: advising on Actively Managed Certificates (“AMC”) and indemnification/reimbursement of third party investment funds or structured products.

In order to mitigate potential adverse circumstances for the Client, the following measures have been taken:

  • our staff members are made aware of concentration and conflicts of interest risks;
  • the mentioned financial instruments may, in principle, represent only a marginal percentage of the managed portfolio;
  • the remuneration policy of QW staff members does not depend on, nor is influenced by, their investment decisions within the framework of portfolio management.

Compliance with abovementioned measures is regularly monitored by the internal compliance and risk management functions and by the external auditors. If QW is required to provide the Client with a specific communication pursuant to Art. 25 par.2 FinSA, the Client will be informed in writing of the economic and/or (potential) conflict of interest with all relevant details. The disclosure shall be made by using the form “Declaration of economic obligations and conflicts of interest”.

Third party indemnities/retrocessions

Indemnities, if any, are attributable to the following circumstances:

  • custodian bank for safekeeping the assets and related services up to a maximum of 1%;
  • financial instruments used in the mandates (in % of the value of the financial instrument): investment funds from 0% to 0.75%; structured products/certificates on bonds from 0% to 0.50%; structured products/certificates on equity/alternative indices from 0% to 1.5%;

As stated in section 7.2. of the Mandates, these third party indemnities constitute an indirect remuneration for QW and are exclusively attributable to QW up to a maximum of 1% p.a. of the values of the Mandates. This limit also corresponds to the indicative estimated value of such remunerations.

Best execution

After the selection of the custodian bank (or broker, if applicable) by the Client within the framework of the Mandates, the Client acknowledges that QW does not carry out any further checks with regard to the trading venues in terms of prices, costs, timing, likelihood of execution and settlement within the meaning of Art. 21 par.2 FinSO. It is therefore the Client’s responsibility to verify that the custodian bank (or broker, if applicable) applies an appropriate best execution policy.

Securities lending

It is not permissible for QW to use Client’s financial instruments (securities lending) within the meaning of Art. 19 FinSA.

Unclaimed Assets

Circumstances may arise in which contact with the Client is lost and cannot be restored. Such Client’s assets may then ultimately be forgotten about by the Client and respective heirs. In order to avoid loss of contact or unclaimed assets, the Client is advised to take care of the following:

  • Changes of name and address: Please notify us immediately of any change of domicile, address or name/surname.
  • Special Instructions: Please provide information about any long term absences and any resending of correspondence to another address or holding of correspondence, as well as your availability during this period in the event of an emergency.
  • Power of attorney: It is advisable to appoint a power of attorney who can be contacted by QW in the event of contact interruption.
  • Informing a trusted person / Last Will and Testament: another way to prevent assets from becoming contactless is to inform a trusted person about the relationship with QW. However, QW may only provide information to such a trusted person if QW has been authorised to do so in writing. Furthermore, the assets in question may be mentioned, for example, in wills.

QW will be glad to answer any questions about these issues. Further information is also available in the brochure “Assets without contact and dormant assets, information from the Swiss Bankers Association”, also available on their website: www.swissbanking.ch.

This Information Sheet (or subsequent versions) is published on our website: www.quantumwealth.swiss.

Lugano-Paradiso, 1st July 2025

Kind regards,

Quantum Wealth SA

(valid without signature)