{"id":162763,"date":"2025-11-27T12:01:35","date_gmt":"2025-11-27T11:01:35","guid":{"rendered":"https:\/\/vellumfinance.com\/vellum-vs-gestion-traditionnelle\/"},"modified":"2026-08-12T00:49:35","modified_gmt":"2026-08-11T22:49:35","slug":"vellum-vs-traditional-wealth-management-firms","status":"publish","type":"page","link":"https:\/\/vellumfinance.com\/en\/vellum-vs-traditional-wealth-management-firms\/","title":{"rendered":"Vellum Vs Traditional Wealth Management Firms"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;0&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;2&#8243; overlay_alpha=&#8221;50&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;4&#8243; column_width_percent=&#8221;100&#8243; border_color=&#8221;color-gyho&#8221; border_style=&#8221;solid&#8221; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; content_parallax=&#8221;0&#8243; css=&#8221;.vc_custom_1764236392642{border-top-width: 1px !important;border-bottom-width: 1px !important;}&#8221; el_class=&#8221;inverted-device-order&#8221; uncode_shortcode_id=&#8221;155321&#8243; border_color_type=&#8221;uncode-palette&#8221;][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; align_mobile=&#8221;align_center_mobile&#8221; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; uncode_shortcode_id=&#8221;166599&#8243;][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; uncode_shortcode_id=&#8221;671885&#8243;][\/vc_column][\/vc_row][vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;0&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;2&#8243; overlay_alpha=&#8221;50&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;4&#8243; column_width_percent=&#8221;100&#8243; border_color=&#8221;color-gyho&#8221; border_style=&#8221;solid&#8221; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; content_parallax=&#8221;0&#8243; css=&#8221;.vc_custom_1764236392642{border-top-width: 1px !important;border-bottom-width: 1px !important;}&#8221; el_class=&#8221;inverted-device-order&#8221; uncode_shortcode_id=&#8221;155321&#8243; border_color_type=&#8221;uncode-palette&#8221;][vc_column column_width_use_pixel=&#8221;yes&#8221; position_vertical=&#8221;middle&#8221; gutter_size=&#8221;3&#8243; override_padding=&#8221;yes&#8221; column_padding=&#8221;2&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; align_mobile=&#8221;align_center_mobile&#8221; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; column_width_pixel=&#8221;528&#8243;][vc_custom_heading text_color=&#8221;accent&#8221; heading_semantic=&#8221;h6&#8243; text_size=&#8221;fontsize-160000&#8243; text_transform=&#8221;uppercase&#8221; text_space=&#8221;fontspace-135905&#8243; uncode_shortcode_id=&#8221;584032&#8243; text_color_type=&#8221;uncode-palette&#8221;]CAPITAL EVOLUTION OVER 15 YEARS[\/vc_custom_heading][vc_custom_heading heading_semantic=&#8221;h5&#8243; text_size=&#8221;h5&#8243; text_height=&#8221;fontheight-357766&#8243; uncode_shortcode_id=&#8221;184580&#8243;]Traditional <a title=\"Crisis-Proofing Family Wealth: Strategies to Protect Against Market Volatility and Uncertainty\" href=\"https:\/\/vellumfinance.com\/en\/wealth-legacy\/crisis-proofing-family-wealth-strategies-to-protect-against-market-volatility-and-uncertainty\/\" data-wpil-monitor-id=\"904\">wealth management is outdated and<\/a> no longer benefits the client. Between commissions, taxes, and inefficiency, traditional <a href=\"https:\/\/vellumfinance.com\/en\/wealth-legacy\/your-wealth-your-values-designing-a-legacy-that-truly-reflects-you\/\" title=\"Your Wealth, Your Values: Designing a Legacy That Truly Reflects You\"  data-wpil-monitor-id=\"9227\">wealth management firms get rich while you<\/a> lose. In reality, you think you&#8217;re winning against the system because you&#8217;re led to believe that tax breaks increase your wealth, when in fact, your growth is either negative or almost imperceptible. This tends to create an unhealthy portfolio that keeps you in debt and non-liquid.<\/p>\n<p>In France, for example, terms like LMNP, Pinel, Malraux, or Censi-Bouvard are traps, and each country has its own versions of these kinds of tools that only serve to enrich the government, banks, <a href=\"https:\/\/vellumfinance.com\/en\/insights-education\/the-importance-of-liquidity-in-wealth-and-patrimony-management-strategy\/\" title=\"L\u2019Importance de la Liquidit\u00e9 dans une Strat\u00e9gie de Gestion de Patrimoine\"  data-wpil-monitor-id=\"2244\">and commission-based wealth<\/a> managers.[\/vc_custom_heading][vc_column_text uncode_shortcode_id=&#8221;792821&#8243;]\u2014 Damien Soitout, CEO[\/vc_column_text][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; align_horizontal=&#8221;align_right&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243;][\/vc_column][\/vc_row][vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;0&#8243; top_padding=&#8221;1&#8243; bottom_padding=&#8221;1&#8243; overlay_alpha=&#8221;50&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;4&#8243; column_width_percent=&#8221;100&#8243; border_color=&#8221;color-gyho&#8221; border_style=&#8221;solid&#8221; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; content_parallax=&#8221;0&#8243; css=&#8221;.vc_custom_1764236378512{border-top-width: 1px !important;border-bottom-width: 1px !important;}&#8221; el_class=&#8221;inverted-device-order&#8221; uncode_shortcode_id=&#8221;139668&#8243; border_color_type=&#8221;uncode-palette&#8221;][vc_column column_width_percent=&#8221;100&#8243; align_horizontal=&#8221;align_right&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243;][\/vc_column][vc_column column_width_use_pixel=&#8221;yes&#8221; position_vertical=&#8221;middle&#8221; gutter_size=&#8221;3&#8243; override_padding=&#8221;yes&#8221; column_padding=&#8221;2&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; align_mobile=&#8221;align_center_mobile&#8221; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; column_width_pixel=&#8221;528&#8243;][vc_custom_heading text_color=&#8221;accent&#8221; heading_semantic=&#8221;h6&#8243; text_size=&#8221;fontsize-160000&#8243; text_transform=&#8221;uppercase&#8221; text_space=&#8221;fontspace-135905&#8243; uncode_shortcode_id=&#8221;490634&#8243; text_color_type=&#8221;uncode-palette&#8221;]AVERAGE ANNUAL EARNINGS (\u20ac)[\/vc_custom_heading][vc_custom_heading heading_semantic=&#8221;h5&#8243; text_size=&#8221;h5&#8243; text_height=&#8221;fontheight-357766&#8243; uncode_shortcode_id=&#8221;917838&#8243;]By remaining extremely cautious and taking the French market as an example, one can easily see <a title=\"The Hidden Cost of Inefficiency in Wealth Management\" href=\"https:\/\/vellumfinance.com\/en\/investment-strategies\/the-hidden-cost-of-inefficiency-in-wealth-management\/\" data-wpil-monitor-id=\"903\">the complete inefficiency<\/a> of investments made by traditional wealth management firms. Investing \u20ac100,000 in France, as is currently done <a href=\"https:\/\/vellumfinance.com\/en\/wealth-legacy\/the-silent-risks-of-poor-succession-planning-and-how-to-avoid-them\/\" title=\"The Silent Risks of Poor Succession Planning (and How to Avoid Them)\"  data-wpil-monitor-id=\"905\">and<\/a> as has always been the case, will cause you to lose more money and liquidity than by diversifying your investments abroad, using the same sectors and types of instruments.<\/p>\n<p>In a globalized and interconnected world like the one we live in today, there is no excuse <a href=\"https:\/\/vellumfinance.com\/en\/\" data-wpil-monitor-id=\"887\">for not using all<\/a> the tools at your disposal and diversifying your assets and liquidity.[\/vc_custom_heading][vc_column_text uncode_shortcode_id=&#8221;792821&#8243;]\u2014 Damien Soitout, CEO[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/1&#8243;][vc_custom_heading uncode_shortcode_id=&#8221;445880&#8243; subheading=&#8221;Wealth management needs to evolve, and Vellum is a pioneer in this area.&#8221;]<\/p>\n<h2 style=\"text-align: center;\">THE REALITY TO CONSIDER<\/h2>\n<p>[\/vc_custom_heading][\/vc_column][\/vc_row][vc_row unlock_row_content=&#8221;yes&#8221; 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uncode_shortcode_id=&#8221;166599&#8243;][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; uncode_shortcode_id=&#8221;671885&#8243;][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/1&#8243;][\/vc_column][\/vc_row][vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; content_parallax=&#8221;0&#8243; uncode_shortcode_id=&#8221;573286&#8243;][vc_column width=&#8221;1\/1&#8243;][uncode_block id=&#8221;162724&#8243;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; 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