Investors without limits

Swissquote Bank Europe is not an ordinary bank. The individuals who seek out Swissquote are varied but united by their ambition, worldly outlook and pursuit of financial freedom. Based in Luxembourg, it’s powered by world-class wealth management tech delivered with a human touch. Wherever you are, whatever you’re doing – working, exploring or unwinding – your wealth should be working for you. Yes, even while on holiday.

1. The Global Nomad
Andrew Hallam
Speaker, author and financial journalist

The path from school teacher to millionaire is not a well-trodden one. Andrew Hallam, who began making well-informed investments in his mid-twenties, is now a financial journalist and author who travels the world, drawing on his experience and expertise to help others make their money work smarter. He was on a cycling adventure when inspiration struck. “I realised I wanted a life filled with adventure – exploring new places, enjoying nature, meeting great people and having the freedom to live on my own terms,” he says.

“It wasn’t just about working less,” he adds. “It was about making space for experiences that brought joy and fulfilment. That realisation became more than just a passing thought – it turned into the foundation for how I wanted to shape my future.”

So, Hallam set to work. The machinations of his success are simple. “The key is discipline – investing any money I have as soon as possible,” he says. He began purchasing stocks at the high prices of 1989, but he maintained a consistent approach, unswayed by fluctuations. “I made contributions to my investments each month, some small and others more substantial.”

Hallam naturally chose Swissquote Bank Europe for his financial needs. It provides fast customer service and a high level of autonomy, allowing him the freedom to manage his finances while experiencing everything life has to offer.

One last piece of advice? Hallam recommends keeping investment costs low so that your yield remains high. With Swissquote, he has access to a range of exchange-traded funds with a low and transparent fee structure. That gives him the free time to focus on deciding which bike route to tackle next.

“If you haven’t started investing, make today the day you begin. Because trust me, the best time for a decision is now” – *Andrew Hallam, Swissquote client since 2015*

2. The Opportunity Seeker
Candi Carrera
Value investor, dual-citizen and active retiree

In Candi Carrera’s world, every closed door is an opportunity. The value investor – now, an active early retiree – made his way by seizing moments that others overlooked. “My approach is to buy shares as if I were acquiring the entire company, acting as a business owner and taking time to truly understand the businesses that I invest in,” Carrera says. “This requires dedication: reading comprehensive reports every quarter and participating in analyst calls to hear firsthand about the company’s performance and vision.”

Carrera applies a studied and rigorous approach to his finances. His banking partner needs to be prompt, well-informed and communicative. “These are essential needs for an engaged investor, yet many banks fail to deliver reliable, timely and consistent investor services,” he says. “Having a solid partner in my investing journey allows me to stay focused on my portfolio and take action when it matters most.”

Carrera was raised in Luxembourg but made a change in 2022 with his family. He now calls the coast of Málaga home – although the move wasn’t completely smooth. It revealed to him which service providers he could rely on. “When opening a new bank or brokerage account, many institutions promise exceptional service, but the reality often falls short when faced with practical issues like cross-border banking or investment servicing.”

While other banking providers weren’t able to accommodate Carrera’s needs, Swissquote Bank Europe facilitated his move to Spain and allowed his family to maintain foreign assets. “I can count on Swissquote’s seamless support and expertise that keep my investments on track, wherever I am in the world,” he says.

“Having a solid partner in my investing journey lets me stay focused on my portfolio and take action when it matters most” – *Candi Carrera, Swissquote client since 2021*

3. The Driven Creative
Sam Fane
Entrepreneur, car enthusiast and content creator

Sam Fane is a model of how to build a life around your passions. “Inspired by London’s car-spotting scene, I began capturing and sharing content, discovering a passion for the details that make cars extraordinary,” he says. His observant videos quickly amassed a following of more than 600,000 subscribers on Youtube. “My love for video came first and my deep appreciation for cars followed.”

Fane lives for the thrill of the drive, for the feeling of shifting into gear knowing there’s clear air and striking scenery beyond the next bend. “It’s that spirit of freedom and independence that I strive to capture for my audience, sharing the joy that comes from hitting the open road and not knowing what might lie ahead,” he adds.

Driving and investing might not immediately share an anatomy, but both require bold decision making and flexibility. While Fane is no stranger to making quick decisions behind the wheel, he takes comfort knowing that he has the backing of Swissquote Bank Europe’s experts when it comes to his investments. He is always on the go, so banking with Swissquote allows him to stay connected to powerful digital platforms and a support team that understands his specific needs.

“Just as I value flexibility and adaptability in my lifestyle, I need the same in my financial decisions,” he says. “It’s a powerful service that has enabled me to stay agile and maintain a balance between pursuing my passions and growing my wealth.”

“This means I can monitor my investments, make my moves and stay in control of my assets, even while on the road,” he adds. “It’s this kind of accessibility and adaptability that supports my lifestyle and ensures that I can focus on what truly matters: my passion for storytelling.”