Ralph acts as Portfolio Manager at Dr. Pirmin Hotz Vermögensverwaltungen AG and is part of the Hotz team since 2025. Prior to Hotz, he worked as a RFP specialist at UBS Asset Management Switzerland AG and is a CFA Charterholder since 2022. His former career steps can be summarized as follows: Dual Degree Master of Science at HSLU (Banking and Finance) and Lingnan University in Hong Kong (International Banking and Finance) in 2019; Bachelor of Science in Finance and Banking at HSLU in 2017; Allrounder at Schwyzer Kantonalbank; Banking apprenticeship with vocational baccalaureate at Schwyzer Kantonalbank, completed in 2011.