Armonia Capital AG – Head office Zurich
Tessinerplatz 7
8002 Zürich, Switzerland
Armonia Capital AG – Lugano branch
Via Nassa 5
6900 Lugano, Switzerland
Phone +41 44 537 21 21
E-mail info@armoniacapital.ch
Website www.armoniacapital.ch
Commercial register details will follow shortly.
Swiss Financial Market Supervisory Authority FINMA, Laupenstrasse 27, 3003 Bern
The information published on this website is provided by Armonia Capital AG for general information purposes only.
Armonia Capital AG endeavours to keep the information accurate and up to date. Nevertheless, it gives no warranty as to its correctness, accuracy, timeliness, reliability or completeness.
To the extent permitted by law, any liability for material or immaterial damage arising from access to this website, its use or non-use, technical malfunctions or the use of the information published is excluded. Mandatory statutory liability provisions remain reserved.
Armonia Capital AG expressly reserves the right to change, supplement or remove content of this website, or to suspend publication temporarily or permanently, at any time without prior notice.
The information on this website constitutes neither an offer nor a solicitation to buy or sell financial instruments or to use financial services.
In particular, it is not to be understood as a personal investment recommendation, individual investment advice or legal or tax advice. The information does not take into account the individual investment objectives, financial situation or risk tolerance of any person.
Investments in financial instruments involve risks. The value of investments and the income derived from them may rise as well as fall. A partial or total loss of the capital invested is possible.
Past performance is not a reliable indicator of future results. Forecasts, estimates and forward-looking statements are based on assumptions and may differ from actual developments.
This website may contain references and links to third-party websites. Their content lies outside the responsibility of Armonia Capital AG.
Armonia Capital AG gives no warranty as to the correctness, completeness, timeliness or security of the content of such websites and, to the extent permitted by law, declines all liability in this respect.
Access to and use of third-party websites is at the users' own risk.
The information and services on this website are intended primarily for persons domiciled or based in Switzerland.
They are not intended for persons subject to a jurisdiction in which access to this information, its distribution or the use of the services described would violate applicable legal or regulatory provisions.
In particular, this website does not constitute an offer of financial services to persons in the United States of America (USA).
Persons accessing this website from outside Switzerland are themselves responsible for complying with the legal and regulatory provisions applicable to them.
Armonia Capital AG is affiliated with the supervisory organisation OSFINcontrol AG, which is authorised by the Swiss Financial Market Supervisory Authority (FINMA).
OSFINcontrol AG is responsible for the ongoing supervision of the financial institutions affiliated with it within the framework of the applicable legal and regulatory provisions.
OSFINcontrol AG
General-Guisan-Strasse 6
6300 Zug, Switzerland
Phone +41 41 767 36 00
E-mail info@osfincontrol.ch
Website www.osfincontrol.ch
OSFINcontrol AG also acts as the ombudsman office of Armonia Capital AG. In the event of a dispute, clients may contact it at the address above.
Armonia Capital AG – Head office Zurich
Tessinerplatz 7
8002 Zürich, Switzerland
Phone +41 44 537 21 21
E-mail info@armoniacapital.ch
Armonia Capital AG – Lugano branch
Via Nassa 5
6900 Lugano, Switzerland
Phone +41 44 537 21 21
Company profile
Armonia Capital AG is an independent, owner-managed Swiss asset management company with its head office in Zurich and a branch in Lugano.
Armonia Capital AG combines many years of experience and sound expertise in asset management with a modern, independent and long-term investment philosophy.
Our activities focus on the individual needs, personal values and financial objectives of our clients. We place particular emphasis on personal and partnership-based support, entrepreneurial independence, transparency and building long-term relationships based on trust.
Our aim is to create lasting value for our clients through tailored investment solutions and forward-looking asset management.
Armonia Capital AG holds a licence from the Swiss Financial Market Supervisory Authority (FINMA) to operate as a portfolio manager under the Financial Institutions Act (FinIA). The licence was granted on 12 December 2023 and continues unchanged following the change of name from CAT Wealth Management AG to Armonia Capital AG.
Armonia Capital AG is supervised by the FINMA-authorised supervisory organisation OSFINcontrol AG. The regulatory audit is carried out by CAPREV Wirtschaftsprüfung und -beratung AG.
Supervisory organisation and ombudsman
OSFINcontrol AG, General-Guisan-Strasse 6, 6300 Zug, Switzerland
Phone +41 41 767 36 00 · info@osfincontrol.ch · www.osfincontrol.ch
Audit firm
CAPREV Wirtschaftsprüfung und -beratung AG, Industriestrasse 47, 6300 Zug, Switzerland
Phone +41 41 761 92 45 · info@caprev.ch · www.caprev.ch
Armonia Capital AG offers its clients individually tailored financial services in the areas of asset management as well as transaction-related and portfolio-related investment advice.
The services are provided on the basis of the respective contractual agreements and taking into account the individual needs and investment objectives of the clients.
Transaction-related investment advice
As part of transaction-related investment advice, Armonia Capital AG makes personal recommendations to buy, sell or hold individual financial instruments without taking the entire client portfolio into account.
The recommendations take into account the clients' knowledge and experience with regard to the investment categories concerned.
The decision to implement a recommendation and the related investment transactions rests solely with the client.
Portfolio-related investment advice
In portfolio-related investment advice, Armonia Capital AG takes into account not only the individual investment objectives and risk profile but also the composition of the entire client portfolio.
On this basis, personal investment recommendations are made that are aligned with the agreed investment strategy.
The decision to buy, sell or hold financial instruments remains with the client.
Asset management
Under an asset management mandate, Armonia Capital AG takes on the professional and ongoing management of the assets entrusted to it.
On the basis of a contractually agreed, limited power of attorney, the client grants Armonia Capital AG the authority to take investment decisions independently and to execute the corresponding transactions.
Asset management is carried out within the framework of the jointly defined investment strategy, taking into account the client's individual investment objectives, financial circumstances and risk tolerance.
The essential rights and obligations of the contracting parties and the scope of the respective services are set out in the corresponding investment advisory and asset management agreements.
In accordance with Art. 4 of the Financial Services Act (FinSA), clients of financial service providers are assigned to one of the following client segments:
Client segmentation determines the scope of the applicable statutory protection and information obligations.
When entering into a business relationship, Armonia Capital AG classifies the client accordingly and informs the client of this classification.
Under the conditions provided for by law, clients may request a change of their classification by making a corresponding declaration (so-called opting-in or opting-out). Such a change may affect the scope of statutory client protection.
General risks in trading financial instruments
The use of investment advisory and asset management services and investments in financial instruments involve financial risks.
Depending on the asset class and the investment strategy chosen, market, credit, liquidity, currency and counterparty risks in particular may arise. Fluctuations in value and a partial or total loss of the capital invested are possible.
Before concluding a contract, Armonia Capital AG provides its clients with the brochure "Risks Involved in Trading Financial Instruments" published by the Swiss Bankers Association. It explains the main risks of various financial instruments and forms of investment.
The client advisors of Armonia Capital AG are available at any time to answer questions about general investment risks or individual financial instruments.
Risks related to the services offered
The risks associated with investment advice and asset management depend in particular on the investment strategy chosen, the financial instruments used and the composition of the client portfolio.
The main investment-specific risks are explained in the course of personal advice, in the corresponding contractual documents and in the agreed investment strategy.
Where risk concentrations that are unusual for the market cannot be ruled out within a client portfolio, Armonia Capital AG informs the clients concerned of the nature and extent of the associated concentration risks. Indications of such risk concentrations may include in particular:
Concentrations within collective investment schemes that are subject to regulatory risk diversification rules, such as certain UCITS funds and Swiss securities funds, are generally excluded.
When personally recommending financial instruments, Armonia Capital AG provides its retail clients with the corresponding key information document where required by law.
Costs and fees
Armonia Capital AG charges a fee for its services in accordance with the individually agreed contractual terms.
The fee may be calculated in particular on the basis of the assets advised or managed and, where contractually agreed, on a performance basis.
In addition, costs and fees of third parties may arise, in particular custody fees, transaction costs, product costs and other expenses related to the investment.
The applicable fee models, calculation bases and cost components are set out and disclosed in the respective investment advisory or asset management agreements and the related fee agreements.
Remuneration and benefits from third parties
In connection with the provision of financial services, Armonia Capital AG may receive remuneration or other monetary benefits from third parties.
The receipt, treatment and, where applicable, forwarding of such remuneration are governed by the corresponding contractual documents and are subject to the applicable statutory provisions.
If the exact amount of remuneration cannot be determined before the financial service is provided or before the contract is concluded, clients are informed of the relevant calculation parameters and the corresponding ranges.
For asset management and portfolio-related investment advice, this disclosure takes into account, where relevant, the portfolio value and the agreed investment strategy.
Clients' statutory claims for surrender and the conditions for a legally valid waiver of such claims remain reserved.
In connection with the financial services offered, there may be economic relationships or contractual agreements with third parties, in particular with custodian banks, product providers or other financial service providers. Such relationships may give rise to potential conflicts of interest.
Armonia Capital AG takes appropriate organisational measures to avoid conflicts of interest wherever possible or to minimise the resulting risks for its clients.
If adverse effects of a conflict of interest cannot be ruled out, the clients concerned are informed in accordance with the statutory requirements.
The treatment of any third-party remuneration and the related contractual provisions form part of the respective investment advisory and asset management agreements.
When selecting financial instruments, Armonia Capital AG generally follows an open investment approach ("open universe"). This makes it possible to take into account financial instruments from different providers and product categories when constructing and managing client portfolios.
The selection is based on objective and comprehensible criteria, taking into account in particular the quality, risks, costs, liquidity and suitability of the respective financial instruments within the agreed investment strategy. The aim is to identify suitable investment solutions in the interest of the clients.
Where both proprietary financial instruments and those offered by third parties are considered, Armonia Capital AG takes appropriate organisational measures to avoid conflicts of interest and to ensure a proper selection process.
If possible disadvantages for clients cannot be ruled out, they are disclosed in accordance with the statutory requirements.
As part of its investment advisory and asset management services, Armonia Capital AG carries out the appropriateness and suitability assessments required by law. The nature and scope of these assessments depend on the agreed financial service and the respective client classification.
Appropriateness assessment for transaction-related investment advice
In transaction-related investment advice, personal recommendations are made on individual financial instruments without taking the entire client portfolio into account.
In accordance with Art. 11 FinSA, Armonia Capital AG assesses before making a recommendation whether the financial instruments concerned are appropriate for the client. To this end, the necessary knowledge and experience with regard to the relevant investment categories are obtained and assessed. The assessment takes into account the nature, complexity and risks of the financial instruments concerned.
Suitability assessment for portfolio-related investment advice and asset management
For portfolio-related investment advice and under asset management mandates, Armonia Capital AG carries out a suitability assessment in accordance with Art. 12 FinSA. In particular, the following information is obtained and taken into account:
On the basis of this information, Armonia Capital AG prepares an individual risk profile and defines a suitable investment strategy together with the client.
The information is obtained and assessed taking into account the complexity of the financial instruments used as well as the risk profile and characteristics of the agreed investment strategy.
In portfolio-related investment advice, investment decisions remain with the client. Under an asset management mandate, these decisions are taken by Armonia Capital AG within the agreed investment guidelines.
Insufficient information or lack of appropriateness or suitability
If Armonia Capital AG does not have sufficient information to carry out the legally required appropriateness or suitability assessment, the clients concerned are informed of this before the corresponding service is provided.
If Armonia Capital AG considers an investment or financial service to be inappropriate or unsuitable, it advises the client against it in accordance with the statutory requirements.
The corresponding assessments and recommendations are recorded as part of the statutory documentation obligations.
Client information on data protection · Version: November 2026
The protection of your personal data and the responsible handling of confidential information are of great importance to Armonia Capital AG (hereinafter "Armonia Capital", "the Company" or "we").
With this client information, we inform you how we collect, process, store and, where applicable, disclose your personal data to third parties in connection with the establishment, performance and termination of asset management and investment advisory mandates and in the course of our other business activities.
Your personal data is processed in compliance with the Swiss Federal Act on Data Protection (FADP), the associated Data Protection Ordinance (DPO) and, where applicable, the EU General Data Protection Regulation (GDPR).
The controller responsible for processing your personal data is:
Armonia Capital AG
Tessinerplatz 7
8002 Zürich, Switzerland
Phone +41 44 537 21 21
Contact for data protection matters
Contact persons: Stefano Longo and Angeliki Nianias
E-mail info@armoniacapital.ch
Website www.armoniacapital.ch
If you have any questions about the processing of your personal data or wish to exercise your data protection rights, you can contact the above contact point at any time.
Personal data is any information relating to an identified or identifiable natural person. In the course of our business relationships, we process in particular the following categories of personal data:
We generally collect personal data directly from you. Where permitted by law and necessary for the provision of our services, we may also obtain information from third parties. These include in particular custodian banks, authorised persons, family members, legal and tax advisors, business partners, public registers, authorities and publicly available sources of information.
Processing takes place exclusively for purposes permitted by law and in compliance with the applicable data protection principles.
We process your personal data in particular for the following purposes:
Where the GDPR applies, we base the processing of personal data, depending on the purpose, in particular on the performance of contractual obligations, compliance with legal obligations, legitimate interests or consent where required.
Consent given can be withdrawn at any time with effect for the future. The lawfulness of processing carried out before the withdrawal remains unaffected.
We store your personal data only for as long as is necessary for the respective processing purposes or as required by statutory, regulatory or contractual retention obligations.
As a regulated portfolio manager, certain business records are subject to special statutory retention obligations. In particular, the records required under the Anti-Money Laundering Act must generally be retained for at least ten years after the end of the business relationship or the completion of the transaction concerned. Different statutory retention periods may apply to other records.
In addition, personal data may be retained where necessary to safeguard legitimate interests, to fulfil legal obligations or to assert or defend legal claims.
After expiry of the relevant retention period, personal data is deleted or anonymised unless there is another legal or legally permissible basis for retaining it.
In the course of our business activities, it may be necessary to disclose personal data to third parties. Such disclosure only takes place where necessary for the provision of our services, to fulfil legal obligations or for other legally permissible reasons. Possible recipients include in particular:
Where third parties process personal data on our behalf, we ensure through appropriate contractual agreements and organisational measures that they comply with the applicable data protection requirements. Third parties that process personal data as independent controllers are subject to their own statutory data protection obligations.
Personal data is disclosed in compliance with the applicable secrecy and confidentiality obligations.
Your personal data is generally processed in Switzerland or in the countries in which our service providers or other permissible data recipients operate.
In the course of our business activities, a transfer of personal data abroad may be necessary, for example when using external IT services, in connection with international financial transactions or to fulfil regulatory obligations.
Personal data is disclosed to countries without an adequate level of data protection only in compliance with the statutory requirements. In particular, appropriate contractual data protection safeguards, recognised standard contractual clauses or statutory exceptions may apply. Where necessary, additional technical and organisational protective measures are taken.
Armonia Capital AG takes appropriate technical and organisational measures to protect personal data against unauthorised access, loss, misuse, unintentional alteration or unlawful disclosure.
The security measures depend on the type of personal data processed, the associated risks and the applicable legal and regulatory requirements. We review our security precautions regularly and adapt them, where necessary, to technical developments and changing risk situations.
Despite appropriate security measures, absolute security cannot be guaranteed for electronic data transmission and storage.
Under the applicable data protection law, you have various rights regarding the processing of your personal data. These include in particular:
To exercise your rights, you can contact our data protection contact point in writing. To prevent unauthorised disclosure of data, we may request appropriate proof of identity.
Please note that the exercise of certain rights may be restricted due to statutory or regulatory retention obligations, overriding legitimate interests or other statutory exceptions. In particular, legally required client and transaction records cannot always be deleted before the relevant retention periods have expired.
We review such requests on a case-by-case basis and inform you of the next steps.
If you believe that your personal data is not being processed in accordance with the applicable data protection provisions, you can contact our data protection contact point at any time.
You can also contact the competent data protection supervisory authority within its statutory remit. In Switzerland, this is the Federal Data Protection and Information Commissioner (FDPIC), www.edoeb.admin.ch.
Where the GDPR applies, the competent European data protection supervisory authorities may also be contacted under the corresponding conditions.
This website does not use cookies, tracking or analytics tools and does not load fonts or other content from third-party servers.
Armonia Capital AG reserves the right to amend this client information on data protection at any time, in particular in the event of changes to legal or regulatory requirements, our services or the data processing procedures used. The current version applies.
We will inform you of material changes in an appropriate manner where required by law or appropriate given the nature of the change.
