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The Personal Investment Contract serves as a crucial legal framework for investment relationships in Switzerland, establishing the terms under which professional investment services are provided to individual investors. This document is essential when an investor engages a professional investment manager or firm to manage their investment portfolio, whether on a discretionary or non-discretionary basis. It must comply with Swiss financial regulations, including FinSA and FinIA, which set strict requirements for investor protection, transparency, and risk disclosure. The contract typically includes detailed provisions on investment strategy, risk management, fees, reporting requirements, and the scope of services, while ensuring alignment with Swiss regulatory requirements for client classification and investor protection. This document is particularly important in the context of private wealth management and individual portfolio management services, where it serves to clearly define the rights and obligations of both the investor and the investment manager.

1. Parties: Identification of the investor and investment manager/advisor, including their full legal names, addresses, and registration details

2. Background: Context of the investment relationship and purpose of the agreement

3. Definitions: Definitions of key terms used throughout the agreement

4. Scope of Services: Detailed description of investment services to be provided, including investment strategy and limitations

5. Investment Authority: Extent of discretionary or non-discretionary authority granted to the investment manager

6. Investment Guidelines: Specific investment parameters, restrictions, and agreed-upon investment strategy

7. Fees and Expenses: Detailed breakdown of all fees, charges, and expenses, including management fees and performance fees

8. Risk Disclosures: Comprehensive disclosure of investment risks as required by Swiss regulations

9. Reporting and Communication: Requirements for periodic reporting, valuations, and communication protocols

10. Duration and Termination: Term of the agreement and conditions for termination

11. Representations and Warranties: Standard declarations by both parties regarding their capacity and authority

12. Confidentiality: Provisions regarding the handling of confidential information and data protection

13. Liability and Indemnification: Extent and limitations of liability and indemnification obligations

14. Governing Law and Jurisdiction: Confirmation of Swiss law application and jurisdiction for disputes