London. Geneva. Gstaad. Monaco. Saint-Tropez. Ibiza.

An imaginary line connects some of Europe’s most sought-after destinations. It is known as the European Golden Banana.

But behind the palaces, villas, yachts and private jets lies another reality: an exceptional concentration of international wealth. Today, Europe accounts for just over 25% of the world’s UHNWIs, according to Knight Frank’s Wealth Sizing Model. Knight Frank – The Wealth Report

For the world’s wealthiest individuals, these cities are not simply destinations. They are anchor points for a constantly moving portfolio of assets.

 

 

A portfolio that no longer fits within a single address

An owner may reside in London, spend the winter in the Alps, meet their yacht in Monaco and reach their villa in the South within a few hours.

Their assets move with them.

A watch leaves a safe for an exhibition.

An artwork travels to an auction.

A classic car heads to an event.

A yacht changes harbour.

A private jet connects several residences.

Wealth is becoming increasingly mobile.

And when it is spread across several countries, properties and categories of assets, the risks become more complex as well.

This mobility is more than just an impression: 142,000 millionaires are expected to change countries in 2025, according to Henley & Partners’ Private Wealth Migration Report. Henley & Partners – Private Wealth Migration Report 2025 Switzerland is notably among the leading European destinations attracting international wealth, with a projected net inflow of 3,000 millionaires in 2025. Monaco also ranks among the European destinations benefiting from these wealth movements.

For wealthy families whose assets move between several residences and countries, truly tailored wealth insurance must therefore be able to accompany these movements, anticipate changes in their portfolio and adjust protection whenever necessary.

This is precisely the approach adopted by PSPI.

 

 

Exceptional wealth insurance: a global perspective for every asset

Understanding a mobile portfolio is not enough.

It is equally essential to understand what it is made of.

A private jet does not present the same risks as a chalet in the Alps.

A watch collection cannot be protected in the same way as a yacht.

A villa on the French Riviera does not face the same considerations as an apartment in London.

Every asset has its own characteristics, uses and risks.

This is why expertise lies at the heart of PSPI’s approach.

PSPI supports wealthy families whose assets move between London, Geneva, Monaco, Gstaad, Saint-Tropez and Ibiza, through a global approach combining wealth expertise and technology.

Within the firm, specialists operate across different areas of exceptional wealth: real estate, aviation, collections, yachting and other valuable assets.

Clients therefore do not need to work with multiple firms as their wealth becomes increasingly diversified.

Several areas of expertise. One unified wealth perspective.

The objective: to understand each asset in its own right while maintaining a comprehensive view of the portfolio as a whole.

 

 

International wealth: anticipating risks before they arise

The more mobile a portfolio becomes, the more difficult it is to maintain a clear and accurate overview.

Where is each asset located? What is its current value? Under what circumstances is it being used? Has its situation changed since the insurance policy was taken out?

A movement, change of use or increase in value can alter the risk exposure.

The challenge is therefore no longer simply to insure a portfolio, but to understand how it evolves.

For a family whose assets move across several countries, this ability to anticipate becomes essential.

Protection must evolve alongside the portfolio.

 

 

JEMA: technology serving the management of valuable assets

It was with the aim of better understanding the movements of wealth that PSPI created JEMA, a technology dedicated to the management and visualisation of collectible and valuable assets.

JEMA centralises information relating to assets, providing a clearer view of their location, value, inventory and movements.

For a collector whose assets may move between several residences, storage facilities, exhibitions or events, this visibility brings a new dimension to wealth management.

Knowing where an asset is located is already a step towards better understanding the risks surrounding it.

JEMA does not replace PSPI’s expertise. It complements it.

JEMA sees.

PSPI analyses.

PSPI protects.

Technology makes it possible to see wealth evolve.

Expertise makes it possible to understand what these changes imply and anticipate the resulting protection needs.

Human expertise + proprietary technology: one unified vision of wealth.

 

 

A watch collection between Geneva, London and Monaco

Take the example of a watch collection worth CHF 3 million.

The collection is kept in Geneva, but certain pieces are regularly transferred to London for exhibitions or events before travelling to Monaco for the summer season.

With every movement, the situation of the collection changes.

With JEMA

• Location of each piece;
• Collection inventory;
• Movement tracking;
• Asset information;
• Wealth valuation.

With PSPI

• Transport coverage;
• Consideration of exhibition-related risks;
• Analysis of risks associated with movements;
• Protection against theft;
• Adaptation of coverage as the portfolio evolves.

The difference is significant.

It is no longer simply a matter of knowing what is insured.

It is about knowing where the assets are, how they are evolving and how their protection needs to evolve with them.

 

 

How can an international and mobile portfolio be protected?

The Golden Banana ultimately illustrates a profound transformation in the way wealth is structured among the world’s wealthiest families.

It is no longer necessarily concentrated in a primary residence or a single country.

It is international, diversified and mobile.

Behind an address in London may lie a collection in Geneva.

Behind a chalet in Gstaad, a yacht in Monaco.

Behind a villa in Saint-Tropez, a classic car or an artwork on the move.

Wealth has become an ecosystem of assets in constant motion.

In this context, insurance can no longer be viewed as a succession of independent policies.

It must be able to follow the portfolio as it moves, anticipate its evolution and rely on specialists capable of understanding each of its individual worlds.

 

 

PSPI: a global vision for protecting exceptional wealth

Wealth has changed.

So has the way it needs to be protected.

The world’s wealthiest families no longer hold their assets within a single residence or even a single country.

They own an ecosystem of assets in constant motion.

PSPI combines wealth expertise and proprietary technology to provide a global perspective, anticipate risks and provide long-term protection for exceptional wealth.

JEMA sees.

PSPI analyses.

PSPI protects.

One global vision. Specialised expertise. Protection designed for wealth in motion.