While investing is our core focus, our clients benefit from our broader approach to wealth management. We’re able to utilise in-house banking and lending capabilities to meet your short-term cash needs and deliver outstanding outcomes under unique circumstances.
We focus on finding solutions for our clients rather than selling them products with complex criteria. So, whether it's a large mortgage or the ability to borrow against your portfolio at short notice, we’ll tailor our wealth management services to you.
International private banking
Wherever you are in the world, our offshore team is here to make managing your money simple and secure. We’ll provide you with the flexibility and control you need, backed by our experience in navigating different jurisdictions and international markets.
Lombard loans, also known as portfolio loans, allow you to borrow money against your assets such as stocks and bonds without selling your investment portfolio. This guide explains how you can use such loans to maximise your wealth.
Our Client Advisers are a great sounding board for all your financial questions. Below we answer some of the most common questions they have been asked.
What is private banking?
Private banking is the provision of bespoke banking and financial services, usually to affluent individuals. Private banks typically offer a range of transactional and deposit accounts across multiple major currencies, as well as services which include foreign exchange, debit and charge cards, and mobile and online banking.
Private bank relationships are managed through a highly personalised, single point of contact.
Do I qualify for private banking?
While specific requirements can vary among institutions, private banking services are generally targeted towards high net worth (HNW) individuals or those with substantial investable assets.
Rothschild & Co private banking is based in Guernsey and requires a minimum ongoing balance of £250,000 (or currency equivalent). Minimum ongoing balance requirements for certain relationships may be decreased in consideration of a Wealth Management relationship or increased based on relationship complexity, at the discretion of the bank.
What is lending versus borrowing?
Lending and borrowing are two sides of a financial transaction. Lending involves providing money or resources to someone else, typically with the expectation of receiving repayment with interest over time. Lenders can be individuals, banks or financial institutions.
Borrowing is obtaining funds or resources from a lender with the commitment to repay the borrowed amount, usually with interest. Borrowers can be individuals, businesses or governments. The money borrowed can be used to fund personal expenses, investments or business expansion.
Japan’s stock market is performing strongly, but we are unconvinced about the country’s long-term attractiveness. We believe the recent bounce in the Nikkei index is a sentiment or momentum driven story, and not one that yet reflects better fundamentals.
Politics may well affect portfolios in 2024, but we know that the business cycle certainly will. In this Market Perspective, we examine the outlook for inflation, the case for and against investing in China, and whether stocks are currently being overvalued.
It has been almost one year since banking stresses first emerged – and quickly dissipated – in the United States. But amid renewed concerns over the country’s banking sector, could the unwanted return of market stress lead us to a full-blown banking crisis?