{"id":21996,"date":"2025-06-06T00:23:33","date_gmt":"2025-06-05T22:23:33","guid":{"rendered":"https:\/\/heyneo.ch\/non-classifiee\/guided-by-alpian-review\/"},"modified":"2026-02-08T17:53:59","modified_gmt":"2026-02-08T16:53:59","slug":"guided-by-alpian-review","status":"publish","type":"post","link":"https:\/\/heyneo.ch\/en\/news\/guided-by-alpian-review\/","title":{"rendered":"Guided by Alpian: Advice for Self-Investing, without Being Alone"},"content":{"rendered":"<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>[<em>Update \u2013 November 10, 2025: Introduction of new fees applied to Guided by Alpian mandates.<\/em>]<\/p>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.blue_type{color:#31708f;background-color:#d9edf7;border-color:#bcdff1}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}#gspb_infoBox-id-gsbp-d0d849bd-4f7b svg,#gspb_infoBox-id-gsbp-d0d849bd-4f7b svg path{fill:#794fee !important;}#gspb_infoBox-id-gsbp-d0d849bd-4f7b svg{margin:0px !important;}#gspb_infoBox-id-gsbp-d0d849bd-4f7b svg:hover,#gspb_infoBox-id-gsbp-d0d849bd-4f7b svg:hover path{fill:#794fee !important;}#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{border-style:solid;border-color:#794eed0d;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{border-style:null;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{border-style:null;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{border-style:solid;border-color:#794eed21;}}#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{border-left-style:none;border-left-width:nullpx;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{border-left-style:null;border-left-width:nullpx;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{border-left-style:null;border-left-width:nullpx;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{border-left-style:solid;border-left-width:10px;border-left-color:#794eedf0;}}#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{background-color:#8254ff38;}#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{color:#794fee}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-d0d849bd-4f7b\" id=\"gspb_infoBox-id-gsbp-d0d849bd-4f7b\"><div class=\"gs-box blue_type \"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M432 47.72c0-47.6-61.3-65.54-88.3-26.080-247.7 362.060 104.3 378.36 104.3 554.36 0 71.26-58.22 128.92-129.7 127.98-70.34-0.9-126.3-59.54-126.3-129.88v-171.020c0-43.4-52.94-64.46-82.86-33-53.54 56.24-109.14 152.58-109.14 269.92 0 211.74 172.26 384 384 384s384-172.26 384-384c0-340.58-336-386-336-592.28z\"><\/path><\/svg><\/div><div class=\"gs-box-text\"><style>.gspb_container-id-gsbp-d78ee73{flex-direction:column;box-sizing:border-box;}#gspb_container-id-gsbp-d78ee73.gspb_container > p:last-of-type{margin-bottom:0}#gspb_container-id-gsbp-d78ee73.gspb_container{position:relative;}#gspb_container-id-gsbp-d78ee73.gspb_container{margin-top:-30px;margin-bottom:0px;margin-left:50px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-d78ee73\" id=\"gspb_container-id-gsbp-d78ee73\">\n<p class=\"has-text-align-left\">&#8211; Review focused on the Guided by Alpian mandate.<br\/>&#8211; Read the <a href=\"https:\/\/heyneo.ch\/en\/service\/alpian-review\/\" type=\"product\" id=\"7103\">full review of Alpian bank<\/a>.<br\/>&#8211; <a href=\"https:\/\/heyneo.ch\/en\/banks-comparison\/best-online-banks-switzerland\/\" type=\"post\" id=\"3912\">Compare all online banks in Switzerland<\/a> at the same time.<\/p>\n<\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"guided-by-alpian-une-nouvelle-solution-pour-les-investisseurs\"><strong>Guided by Alpian: a New Solution for Investors<\/strong><\/h2>\n\n<p>You can invest with Alpian in several ways: manage everything yourself, delegate completely, or find a middle ground. Guided by Alpian is positioned precisely in this middle ground. We follow a strategy proposed by experts, while retaining a certain amount of freedom to adjust our portfolio. This is an option that can make sense if you want to avoid common mistakes without giving up control over your investments.<\/p>\n\n<p>This model might interest you if:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>You are already an Alpian client, but want more flexibility than what Managed by Alpian offers.<\/li>\n\n\n\n<li>You are hesitating between several hybrid solutions like Guided by Alpian, Findependent, or Investart, where you remain in control of your investment decisions while being advised.<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"une-autonomie-encadree-pensee-pour-eviter-les-erreurs\"><strong>Guided Autonomy, Designed to Avoid Mistakes<\/strong><\/h3>\n\n<p>Guided by Alpian offers a hybrid approach: you follow an investment strategy with personalized recommendations, but you retain the ability to adjust your portfolio within a certain margin. This allows you to progress without starting from scratch, while maintaining some control over your decisions. <\/p>\n\n<p>For example, if you think the technology market is too volatile in the short term, you can slightly reduce your exposure to this sector. But you can&#8217;t exit it completely, nor invest specifically in a thematic ETF not included in Alpian&#8217;s selection. The adjustment margins are intentionally limited to \u00b110% to avoid significant deviations.  <\/p>\n\n<p>Here&#8217;s how this approach compares to other offers in the Swiss market:<\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Criterion<\/strong><\/td><td><strong>Advisory (private banks)<\/strong><\/td><td><strong>Guided by Alpian<\/strong><\/td><td><strong>Managed by Alpian<\/strong><\/td><td><strong>Findependent<\/strong><\/td><td><strong>Investart<\/strong><\/td><\/tr><tr><td>Management Autonomy<\/td><td>Partial (recommendations + client validation)<\/td><td>Partial (limited adjustments)<\/td><td>None<\/td><td>Total<\/td><td>Medium<\/td><\/tr><tr><td>Support<\/td><td>Dedicated advisor + recommendations<\/td><td>Recommendations + advisor contact<\/td><td>Expert management<\/td><td>None<\/td><td>Basic support<\/td><\/tr><tr><td>Fees<\/td><td>1.0 &#8211; 1.2%\/year (excluding product\/transaction fees)<\/td><td>between 0.50% and 0.75%, depending on the chosen plan, all fees included<\/td><td>between 0.50% and 0.75%, depending on the chosen plan, all fees included<\/td><td>0.29\u20130.40%\/year<\/td><td>~0.30%\/year<\/td><\/tr><tr><td>Product Selection<\/td><td>Wide (funds, ETFs, structured products)<\/td><td>Defined universe of pre-selected ETFs<\/td><td>Pre-selected universe by Alpian<\/td><td>Free within an ETF framework<\/td><td>Predefined ETF framework<\/td><\/tr><tr><td>Strategic Framework<\/td><td>Personalized recommendations + regular follow-up<\/td><td>Recommendations + limited adjustments<\/td><td>100% expert management<\/td><td>No guidance<\/td><td>Basic support, without framework<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>This approach is suitable if you want to invest relatively autonomously within a secure framework. You select your portfolio from a range of pre-selected ETFs, receive recommendations tailored to your profile, and can adjust your allocation <strong>up to \u00b110%<\/strong> from the proposed strategy. <\/p>\n\n<p>But this model isn&#8217;t for everyone: if you want total management freedom, Guided by Alpian will seem too rigid. And if you don&#8217;t want to manage anything yourself, you might as well opt directly for delegated management like with <a href=\"https:\/\/heyneo.ch\/en\/news\/managed-by-alpian-review\/\">Managed by Alpian<\/a> (or Essentials). Guided by Alpian is suitable for those who want to progress in their management without starting from scratch, while maintaining a real capacity for adjustment.  <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"comment-guided-by-alpian-se-distingue-t-il-des-autres-plateformes\"><strong>How Does Guided by Alpian Differ from other Platforms?<\/strong><\/h2>\n\n<p>The positioning of <strong>Guided by Alpian is atypical<\/strong> in the Swiss market \ud83c\udde8\ud83c\udded. To better understand what it really brings, we need to compare it to the two main families of existing solutions: independent hybrid platforms on one side and digitalized private management offers on the other. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"1-les-solutions-hybrides-avec-accompagnement-findependent-investart\"><strong>1. Hybrid Solutions with Support (Findependent, Investart)<\/strong><\/h3>\n\n<p>If you&#8217;re looking for something similar to Guided by Alpian, the alternatives in Switzerland are not numerous. Findependent and Investart are the closest, with a semi-autonomous approach: you have a structured investment base, but you can adjust certain parameters. <\/p>\n\n<p><strong>How Far Does the Freedom Go?<br\/><\/strong>At Findependent, you can freely modify the allocation, but without a real structuring framework. At Investart, adjustments are possible, but very limited and without personalized guidance. <\/p>\n\n<p><strong>Advice<br\/><\/strong>There is customer support, but <strong>nothing comparable<\/strong> to <strong>the guidance<\/strong> at Alpian. No active strategy proposed, no proactive recommendation, let alone a dedicated advisor. <\/p>\n\n<p><strong>Fees<br\/><\/strong>Alpian offers fixed fees between 0.50% and 0.75% (more information on the plans offered by Alpian in the &#8220;fees&#8221; chapter of our <a href=\"https:\/\/heyneo.ch\/en\/service\/alpian-review\/\">Alpian review<\/a>), covering management, access to advisors, performance reports, and the year-end tax report.<br\/>Findependent is between 0.29% and 0.40%, Investart around 0.30%, thus slightly lower than Guided by Alpian, but for a less premium service.<\/p>\n\n<p><strong>What investment products are available?<br\/><\/strong>Mainly ETFs, with a wider selection at Findependent. Guided by Alpian sticks to a more limited range, but consistent with its guided management approach. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"2-les-solutions-de-gestion-privee-digitale-ubs-myway-pictet-smart-advice-etc\"><strong>2. Digital Private Wealth Management Solutions (UBS MyWay, Pictet Smart Advice, etc.)<\/strong><\/h3>\n\n<p>Some major banks also offer online guided management services, such as UBS MyWay, for example.<\/p>\n\n<p><strong>What you&#8217;ll find:<br\/><\/strong>Tailored guidance, a proposed strategy, sometimes a few customization options. And an advisor at your disposal. <\/p>\n\n<p><strong>What you lose with this type of solution:<br\/><\/strong>Flexibility. These solutions are almost always 100% managed: you have no leverage to adjust your portfolio yourself and very little visibility on the detailed composition. Moreover, fees are often much higher (often &gt;1%) and the investment universe may include in-house products, which are less transparent.  <\/p>\n<style>#gspb_image-id-gsbp-87ca3f1 img{vertical-align:top;}#gspb_image-id-gsbp-87ca3f1 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-87ca3f1\" id=\"gspb_image-id-gsbp-87ca3f1\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/06\/support-vs-self-directed-investing-\u2013-Alpian-UBS-Findependent-Investart.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"900\" height=\"900\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Guided by Alpian occupies a <strong>rare position<\/strong>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>more structured than Findependent or Investart,<br\/><\/li>\n\n\n\n<li>more flexible and transparent than private wealth management solutions,<br\/><\/li>\n\n\n\n<li>with personalized guidance that remains accessible.<br\/><\/li>\n<\/ul>\n\n<p>It&#8217;s a coherent alternative if you&#8217;re looking for real strategic support <strong>without completely losing control<\/strong> and if you&#8217;re willing to pay the (contained) fees to benefit from this framework.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"l-experience-utilisateur-ce-qui-compte-vraiment-pour-un-investisseur-independant\"><strong>User Experience: What Really Matters for an Independent Investor<\/strong><\/h2>\n\n<ul class=\"wp-block-list\">\n<li>Does Guided by Alpian provide all the tools to manage your investments?<\/li>\n\n\n\n<li>How far does decision-making freedom go?<\/li>\n\n\n\n<li>Does interaction with an advisor bring real added value?<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"configuration-du-profil-une-evaluation-plus-fine-que-la-moyenne\"><strong>Profile Configuration: a more Detailed Assessment than Average<\/strong><\/h3>\n\n<p>From the start, it&#8217;s not just a simple questionnaire. The profile assessment incorporates several dimensions: loss tolerance, reactions to volatility, thematic preferences (such as dividends or ESG criteria), as well as investment horizon. <\/p>\n\n<p>This assessment allows for the assignment of a profile (Conservative, Balanced, Dynamic) with a corresponding strategy. This profile can be modified later, but not directly from the app: you need to go through an advisor. So it&#8217;s not completely locked, but it&#8217;s not instantaneous either.  <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"les-recommandations-utiles-mais-jamais-imposees\"><strong>Recommendations: Useful, but Never Imposed<\/strong><\/h3>\n\n<p>The application detects deviations from the target strategy (often around \u00b15 to 10%) and proposes adjustments. For example, you might receive a recommendation like: adjust exposure to emerging markets or slightly reduce the bond portion if it exceeds the threshold set for your profile. <\/p>\n\n<p>These suggestions are well-argued: they are based on market context, risk profile, and basic strategy. Then, you choose what to do with them. You can directly apply the recommendation, adjust it according to your preferences, or simply ignore it.  <\/p>\n\n<p>You always remain the decision-maker, but without being alone: the app provides concrete insight, and recommendations are designed to guide without imposing.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"le-role-des-conseillers-un-vrai-appui-sans-prise-de-controle\"><strong>The Role of Advisors: Real Support, without Taking Control<\/strong><\/h3>\n\n<p>At Alpian (<a href=\"https:\/\/heyneo.ch\/en\/service\/alpian-invest\/\">see Alpian&#8217;s full review and test<\/a>), you can chat with a certified adviser via chat, telephone or video call. It&#8217;s really helpful. You can ask for advice, clarify a recommendation, or discuss a change in strategy.<\/p>\n\n<p>This is where Guided by Alpian distinguishes itself from <a href=\"https:\/\/heyneo.ch\/banque-en-ligne-suisse\/selma-article-redirection\/\">robo-advisors like Selma<\/a> or True Wealth: you can ask your questions to a professional, adapt a recommendation to your personal situation, while keeping control over decisions.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"le-suivi-des-performances-est-clair\">The <strong>Performance Tracking <\/strong>is Clear<\/h3>\n\n<p>The application offers a clear dashboard: net return, sector and geographic exposures, volatility indicators, alerts in case of strategic deviation.<\/p>\n<style>#gspb_row-id-gsbp-4e3625e{justify-content:space-between;margin-top:0px;margin-bottom:0px;display:flex;flex-wrap:wrap;}#gspb_row-id-gsbp-4e3625e > .gspb_row__content{display:flex;justify-content:space-between;margin:0 auto;width:100%;flex-wrap:wrap;}.gspb_row{position:relative;}div[id^=gspb_col-id]{box-sizing:border-box;position:relative;}div[id^=gspb_col-id]{padding:var(--gs-row-column-padding,15px min(3vw,20px));}#gspb_row-id-gsbp-4e3625e > .gspb_row__content{max-width:1200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-row gspb_row gspb_row-id-gsbp-4e3625e\" id=\"gspb_row-id-gsbp-4e3625e\"><div class=\"gspb_row__content\"> <style>#gspb_col-id-gsbp-248c3fd.gspb_row__col--4{width:33.333333333333336%;}@media (max-width:575.98px){#gspb_col-id-gsbp-248c3fd.gspb_row__col--4{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--4 gspb_col-id-gsbp-248c3fd\" id=\"gspb_col-id-gsbp-248c3fd\"><style>#gspb_image-id-gsbp-205dc17 img{vertical-align:top;}#gspb_image-id-gsbp-205dc17 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-205dc17\" id=\"gspb_image-id-gsbp-205dc17\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/06\/Avis-Guided-by-Alpian-user-interface-1.jpeg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"828\" height=\"1792\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-0f13a35.gspb_row__col--4{width:33.333333333333336%;}@media (max-width:575.98px){#gspb_col-id-gsbp-0f13a35.gspb_row__col--4{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--4 gspb_col-id-gsbp-0f13a35\" id=\"gspb_col-id-gsbp-0f13a35\"><style>#gspb_image-id-gsbp-0073297 img{vertical-align:top;}#gspb_image-id-gsbp-0073297 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-0073297\" id=\"gspb_image-id-gsbp-0073297\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/06\/Avis-Guided-by-Alpian-user-interface-4.jpeg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"828\" height=\"1792\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-b39d4cb.gspb_row__col--4{width:33.333333333333336%;}@media (max-width:575.98px){#gspb_col-id-gsbp-b39d4cb.gspb_row__col--4{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--4 gspb_col-id-gsbp-b39d4cb\" id=\"gspb_col-id-gsbp-b39d4cb\"><style>#gspb_image-id-gsbp-ff3fa93 img{vertical-align:top;}#gspb_image-id-gsbp-ff3fa93 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-ff3fa93\" id=\"gspb_image-id-gsbp-ff3fa93\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/06\/Avis-Guided-by-Alpian-user-interface-5.jpeg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"828\" height=\"1792\"><\/div>\n<\/div>\n <\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>However, unlike some automated platforms, no automatic rebalancing is performed. If the allocation deviates too far from the target, an alert is displayed, but it&#8217;s up to you to validate the adjustment or not. The tool provides guidance but never decides for you.  <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"verdict-une-solution-structuree-pour-ceux-qui-veulent-rester-actifs\">Verdict: a Structured Solution for those who Want to Remain Active<\/h3>\n\n<p>Guided by Alpian allows you to invest methodically, without feeling trapped in a rigid system. You retain control over your decisions while benefiting from personalized guidance and well-designed tools to avoid common mistakes. <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"instance-48cab\"><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:400px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-89928d05417ed371ac5a0b3141338890\" style=\"font-size:22px\"><strong>Alpian Investment Promo Code<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_image-id-gsbp-2086724{text-align:left;}#gspb_image-id-gsbp-2086724 img{vertical-align:top;}#gspb_image-id-gsbp-2086724 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-2086724 img{border-top-left-radius:50%;border-top-right-radius:50%;border-bottom-right-radius:50%;border-bottom-left-radius:50%;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-2086724 is-style-rounded\" id=\"gspb_image-id-gsbp-2086724\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/Alpian-Icone-Application.png\" data-src=\"\" alt=\"Alpian swiss private bank app logo\" loading=\"lazy\" width=\"100\" height=\"100\"><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-b077ea5{font-size:18px;}.gspb_text-id-gsbp-b077ea5{color:#000000;}.gspb_text-id-gsbp-b077ea5{margin-left:-30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-b077ea5\" class=\"gspb_text gspb_text-id-gsbp-b077ea5 \">Use the promo code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">ALPHEY<\/mark><\/strong> to <ins><strong>receive 120 CHF<\/strong> <ins>(55 CHF with a deposit of 500 CHF within 30 days of account opening, and up to 65 CHF credit on investment fees)<\/ins>.<\/ins><br\/><br\/>Free account <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway:700\");@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway\");#gspb_button-id-gsbp-1fbf87e{display:flex;justify-content:flex-start;}#gspb_button-id-gsbp-1fbf87e .gspb-buttonbox-text{display:flex;flex-direction:column;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{box-sizing:border-box}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{margin-bottom:0px;margin-left:-30px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{background-color:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg));}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-weight:700;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-family:Raleway,sans-serif;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{color:#ffffff;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox > .gspb_backgroundOverlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}<\/style>\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-1fbf87e\" id=\"gspb_button-id-gsbp-1fbf87e\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/www.alpian.com\/\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Receive 120 CHF<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n<\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"performances-avec-guided-by-alpian-comment-peut-on-optimiser-son-portefeuille\"><strong>Performance <strong>with Guided by Alpian<\/strong>: how Can You Optimize your Portfolio?<\/strong><\/h2>\n\n<p>Guided by Alpian offers a structured selection of ETFs, with some room for \u201cadjustment. It&#8217;s not free management, but not a rigid model either. So what can you do?\u201d  <\/p>\n\n<h4 class=\"wp-block-heading\" id=\"les-actifs-actifs-disponibles\">The <strong>Available Assets<\/strong><\/h4>\n\n<p>There are no cryptocurrencies, no individual stocks, no private equity. You invest only through a selection of \u201cETFs constructed by Alpian.\u201d <br\/><br\/><strong><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong><\/strong> <strong>The advantage<\/strong>: Automatic diversification, fewer emotional biases, and quality screening assured by the bank.<br\/><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/strong> <strong>The disadvantage<\/strong>: No freedom to integrate strong personal convictions or go beyond the proposed framework.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h4 class=\"wp-block-heading\" id=\"quelle-strategie-et-quel-profil-d-investissement\"><strong>What Strategy and Investment Profile?<\/strong><\/h4>\n\n<p>Guided by Alpian offers 3 typical profiles, each with a target allocation and clear logic:<\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Style<\/strong><\/td><td><strong>Typical allocation<\/strong><\/td><td><strong>Approach<\/strong><\/td><td><strong>Investor profile<\/strong><\/td><\/tr><tr><td>Conservative<\/td><td>30% stocks, 50% bonds, 20% cash<\/td><td>Aims for stability, limits volatility<\/td><td>Conservative or close to a goal<\/td><\/tr><tr><td>Balanced<\/td><td>60% stocks, 30% bonds, 10% cash<\/td><td>Growth\/security compromise<\/td><td>Alpian&#8217;s core target<\/td><\/tr><tr><td>Dynamic<\/td><td>85% stocks, 10% bonds, 5% cash<\/td><td>More exposed, seeking returns<\/td><td>Risk-tolerant, long-term horizon<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>You can adjust up to \u00b110% in each asset class. But the investment universe remains strictly defined: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>ETFs are pre-selected by Alpian, with no option to choose your own funds;<\/li>\n\n\n\n<li>No exposure to specific thematic strategies (like clean tech or AI);<\/li>\n\n\n\n<li>No advanced ESG filtering: we stick to standard large indices.<\/li>\n<\/ul>\n\n<p>So you can&#8217;t build an ultra-personalized strategy. But you operate within a solid, already structured framework, with minimal flexibility to adapt your exposure. <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h4 class=\"wp-block-heading\" id=\"y-a-t-il-des-ajustements-dynamiques\"><strong>Are there Dynamic Adjustments?<\/strong><\/h4>\n\n<p>No. Unlike some robo-advisors (like True Wealth or <a href=\"https:\/\/heyneo.ch\/en\/service\/selma-invest\/\">Selma<\/a>), Guided by Alpian doesn&#8217;t offer automatic rebalancing. <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"cout-et-rentabilite-guided-by-alpian-en-vaut-il-la-peine\"><strong>Cost and Profitability: is Guided by Alpian Worth it?<\/strong><\/h2>\n\n<p>With annual fees of 0.50% to 0.75%, Guided by Alpian positions itself between low-cost robo-advisors and traditional private banking. The question is therefore not just &#8220;is it expensive?&#8221;, but: what do you get in return? (And is it more profitable in the long term?)  <\/p>\n\n<h4 class=\"wp-block-heading\" id=\"les-frais-en-comparaison-directe\"><strong>Fees in Direct Comparison<\/strong><\/h4>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Solution<\/strong><\/td><td><strong>Management fees<\/strong><\/td><td><strong>Personalization<\/strong><\/td><td><strong>Human advice<\/strong><\/td><td><strong>Minimum investment<\/strong><\/td><\/tr><tr><td><strong>Guided by Alpian<\/strong><\/td><td><strong>0.50 &#8211;<\/strong> <strong>0.75%<\/strong><\/td><td>High<\/td><td>Yes<\/td><td>CHF 10,000<\/td><\/tr><tr><td>Findependent<\/td><td>0.29% \u2013 0.40%<\/td><td>Moderate<\/td><td>No<\/td><td>500 CHF<\/td><\/tr><tr><td>Investart<\/td><td>~0.30%<\/td><td>Limited<\/td><td>No<\/td><td>CHF 2,000<\/td><\/tr><tr><td>UBS MyWay<\/td><td>&gt;1%<\/td><td>Very high<\/td><td>Yes<\/td><td>100,000 CHF<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>What we observe:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Guided is <strong>more expensive<\/strong> than Findependent or Investart,<br\/><\/li>\n\n\n\n<li>but <strong>much less exclusive<\/strong> than UBS MyWay,<br\/><\/li>\n\n\n\n<li>and <strong>the only one offering a structured framework with human support<\/strong>, without a 6-figure entry ticket.<br\/><\/li>\n<\/ul>\n\n<h4 class=\"wp-block-heading\" id=\"l-impact-des-frais-sur-la-performance\"><strong>The Impact of Fees on Performance<\/strong><\/h4>\n\n<p>Over 10 years, fees weigh heavily. Here&#8217;s a simulation <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">with equal returns<\/mark> (7% gross\/year): <\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Initial investment<\/strong><\/td><td><strong>Guided by Alpian (0.50% &#8211; 0.75%)<\/strong><\/td><td><strong>Findependent (0.29\u20130.40%)<\/strong><\/td><td><strong>Investart (0.30%)<\/strong><\/td><\/tr><tr><td>50,000 CHF<\/td><td>95,463 CHF<\/td><td>~98,500 CHF<\/td><td>~98,470 CHF<\/td><\/tr><tr><td>100,000 CHF<\/td><td>190,926 CHF<\/td><td>~197,000 CHF<\/td><td>~196,940 CHF<\/td><\/tr><tr><td>200,000 CHF<\/td><td>381,852 CHF<\/td><td>~394,000 CHF<\/td><td>~393,880 CHF<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\ud83d\udccc <strong>Important<\/strong>:  <\/p>\n\n<p>With equal fees, low-cost solutions offer a slightly better net performance, but only if you manage everything yourself. This does not take into account the results that can be obtained with Guided by Alpian, where guidance can actually <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">improve decisions<\/mark>&#8230; and therefore performance. <\/p>\n\n<h4 class=\"wp-block-heading\" id=\"ce-que-couvrent-les-frais\"><strong>What the Fees Cover<\/strong><\/h4>\n\n<ul class=\"wp-block-list\">\n<li><\/li>\n<\/ul>\n\n<ul class=\"wp-block-list\">\n<li><strong>A multi-currency account<\/strong> with a Swiss bank approved by FINMA.<\/li>\n\n\n\n<li><strong>Access to Alpian advisors<\/strong> to challenge or validate your decisions,<\/li>\n\n\n\n<li><strong>Strategic portfolio monitoring<\/strong>: recommendations, deviation alerts, decision support.<br\/><\/li>\n<\/ul>\n\n<h4 class=\"wp-block-heading\" id=\"optimise-t-on-vraiment-la-performance\"><strong>Are We Really Optimizing Performance?<\/strong><\/h4>\n\n<p>The benefit of Guided by Alpian is to:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>limit behavioral errors<\/strong> (emotional reactions, selling at the wrong time),<br\/><\/li>\n\n\n\n<li><strong>stay aligned with your long-term strategy<\/strong>, even in volatile markets,<br\/><\/li>\n\n\n\n<li><strong>benefit from professional monitoring<\/strong> without falling into passivity.<br\/><\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"les-avantages-et-les-inconvenients-de-guided-by-alpian\"><strong>The Advantages and Disadvantages of Guided by Alpian<\/strong><\/h2>\n\n<p><strong>Guided by Alpian<\/strong> positions itself as a compromise between autonomy and guidance. This hybrid model offers some flexibility in management, while providing strategic and human support that is <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">rare<\/mark> in this segment. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"les-points-forts\">The <strong>Strengths<\/strong><\/h3>\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Accessible human support (without commercial pressure)<br\/><\/strong>With Alpian (using Guided by Alpian), you have access to real wealth management advisors. This human contact allows you to ask questions, challenge a recommendation, or clarify a strategy. It&#8217;s a service that&#8217;s almost non-existent in solutions like Findependent or Investart.  <\/p>\n\n<p><strong><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong> Freedom<br\/><\/strong>Guided by Alpian allows you to reject a recommendation, or adjust the allocation within a range of \u00b110%. It&#8217;s not total freedom, but it&#8217;s much more flexible than fully delegated management like with Managed by Alpian or UBS MyWay. <\/p>\n\n<p><strong><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong> A truly pleasant app<br\/><\/strong>Alpian&#8217;s application centralizes banking and investment in a clear interface, with detailed portfolio tracking and indicators like the Impact Score to measure investment sustainability. Everything is transparent, without overloading your mind. <\/p>\n\n<p><strong><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong> Cheaper than traditional private banking<br\/><\/strong>With fees ranging from 0.50% to 0.75% per year (all-inclusive), Guided by Alpian remains well below the average of 1.38%, or even up to 2% charged in private banking, while maintaining quality guidance.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"les-points-faibles\"><strong>The Weaknesses<\/strong><\/h3>\n\n<p><strong><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/strong><\/mark><\/strong> The entry threshold is higher than alternatives<br\/><\/strong>The 10,000 CHF minimum can be a barrier if you&#8217;re just starting out or want to test a solution before committing. Findependent starts at 500 CHF, Investart at 2,000 CHF. <\/p>\n\n<p><strong><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/strong><\/mark><\/strong> A limited investment universe of selected ETFs<br\/><\/strong>It&#8217;s impossible to invest in individual stocks, cryptocurrencies, or private equity. The universe is restricted to about forty ETFs pre-selected by Alpian, with programmed execution (no instant buying like with a broker). <\/p>\n\n<p><strong><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/strong><\/mark><\/strong> Fees are higher than with semi-autonomous solutions<br\/><\/strong>Guided by Alpian charges between 0.50% and 0.75%, compared to 0.29\u20130.40% for Findependent and approximately 0.30% for Investart. Even if support is included, the difference can impact long-term performance, but it can be largely offset by the potential gain in performance. <\/p>\n\n<p><strong><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/strong><\/mark><\/strong> Less flexible than a broker like Swissquote or Yuh Invest<br\/><\/strong>There is no direct market access, no advanced customization, and no personalized multi-asset management as can be designed on a free platform.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"instance-48cab\"><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:400px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-89928d05417ed371ac5a0b3141338890\" style=\"font-size:22px\"><strong>Alpian Investment Promo Code<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_image-id-gsbp-2086724{text-align:left;}#gspb_image-id-gsbp-2086724 img{vertical-align:top;}#gspb_image-id-gsbp-2086724 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-2086724 img{border-top-left-radius:50%;border-top-right-radius:50%;border-bottom-right-radius:50%;border-bottom-left-radius:50%;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-2086724 is-style-rounded\" id=\"gspb_image-id-gsbp-2086724\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/Alpian-Icone-Application.png\" data-src=\"\" alt=\"Alpian swiss private bank app logo\" loading=\"lazy\" width=\"100\" height=\"100\"><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-b077ea5{font-size:18px;}.gspb_text-id-gsbp-b077ea5{color:#000000;}.gspb_text-id-gsbp-b077ea5{margin-left:-30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-b077ea5\" class=\"gspb_text gspb_text-id-gsbp-b077ea5 \">Use the promo code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">ALPHEY<\/mark><\/strong> to <ins><strong>receive 120 CHF<\/strong> <ins>(55 CHF with a deposit of 500 CHF within 30 days of account opening, and up to 65 CHF credit on investment fees)<\/ins>.<\/ins><br\/><br\/>Free account <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway:700\");@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway\");#gspb_button-id-gsbp-1fbf87e{display:flex;justify-content:flex-start;}#gspb_button-id-gsbp-1fbf87e .gspb-buttonbox-text{display:flex;flex-direction:column;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{box-sizing:border-box}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{margin-bottom:0px;margin-left:-30px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{background-color:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg));}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-weight:700;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-family:Raleway,sans-serif;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{color:#ffffff;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox > .gspb_backgroundOverlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}<\/style>\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-1fbf87e\" id=\"gspb_button-id-gsbp-1fbf87e\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/www.alpian.com\/\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Receive 120 CHF<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n<\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"verdict-guided-by-alpian-seduira-a-coup-sur-un-certain-type-d-investisseur\"><strong>Verdict: Guided by Alpian Will Certainly Appeal to a Certain Type of Investor<\/strong><\/h2>\n\n<p><strong>Guided by Alpian<\/strong> is not for complete beginners, nor for investors who want to control everything themselves. It&#8217;s a solution for those who want to progress in their management while benefiting from a structured framework, without excessive rigidity. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"c-est-ideal-si-on-cherche-un-entre-deux\">It&#8217;s <strong>Ideal if You&#8217;re Looking for a Middle Ground<\/strong><\/h3>\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong> <strong>For investors who want to make decisions without being alone<br\/><\/strong>You receive strategic recommendations, but you keep control over decisions. It&#8217;s useful when you want to avoid common mistakes, without switching to 100% autonomous management. <\/p>\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong> <strong>For those who want support without the burden of a private bank<br\/><\/strong>Guided by Alpian provides human guidance with certified advisors, without prohibitive fees or a minimum deposit of 100,000 CHF, unlike UBS MyWay for example.<br\/>(Read <a href=\"https:\/\/heyneo.ch\/en\/news\/swiss-private-banking\/\">the %%currentyear%% Swiss private banking guide<\/a> to compare private banking fees and rates)<\/p>\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong> <strong>For Alpian clients who want to get out of \u201cautopilot\u201d<br\/><\/strong>If you&#8217;re already using Managed by Alpian but want to be more involved, Guided by Alpian allows you to have more control while staying in a controlled environment.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"a-eviter-si-on-a-l-un-de-ces-trois-profils\"><strong>To Avoid if You Have one of these Three Profiles<\/strong><\/h3>\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark> For those who want to delegate 100%<br\/><\/strong>If you don&#8217;t want to worry about allocation questions, you might as well go directly for an automated solution like Selma or True Wealth. Guided by Alpian requires a minimum level of involvement. <\/p>\n\n<p><strong><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/strong><\/mark><\/strong> For those who want total freedom<br\/><\/strong>It&#8217;s impossible to invest in stocks, cryptocurrencies, or specific products. Everything is done within the universe of ETFs pre-selected by Alpian, with a limited margin for adjustment. <\/p>\n\n<p><strong><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/strong><\/mark><\/strong> For small investors or those who want to start slowly<br\/><\/strong>The entry threshold is 10,000 CHF. If you want to test a simpler approach with a few hundred or thousand francs, Findependent or Investart will be more accessible. <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"conclusion-un-compromis-a-assumer\"><strong>Conclusion: a Compromise to Embrace<\/strong><\/h3>\n\n<p>When I discovered Guided by Alpian, I was looking for what many want: a tool that helps to invest better without needing to spend hours on it. And on this point, the proposed balance works rather well. <\/p>\n\n<p>In use, certain limitations appear. You can&#8217;t freely choose all ETFs, orders are not executed in real-time. If you want active management without constraints, you quickly feel restricted. But if you want to progress in your strategy while being supported, you&#8217;re clearly in the right format.   <\/p>\n\n<p>In the end, choosing Guided by Alpian is mainly about avoiding two extremes: 100% passive robotic management, or complete solo piloting. You move forward with a clear direction while remaining in control of your choices. <\/p>\n\n<p>I hope this review has helped you better understand Guided by Alpian.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"instance-48cab\"><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:400px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-89928d05417ed371ac5a0b3141338890\" style=\"font-size:22px\"><strong>Alpian Investment Promo Code<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_image-id-gsbp-2086724{text-align:left;}#gspb_image-id-gsbp-2086724 img{vertical-align:top;}#gspb_image-id-gsbp-2086724 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-2086724 img{border-top-left-radius:50%;border-top-right-radius:50%;border-bottom-right-radius:50%;border-bottom-left-radius:50%;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-2086724 is-style-rounded\" id=\"gspb_image-id-gsbp-2086724\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/Alpian-Icone-Application.png\" data-src=\"\" alt=\"Alpian swiss private bank app logo\" loading=\"lazy\" width=\"100\" height=\"100\"><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-b077ea5{font-size:18px;}.gspb_text-id-gsbp-b077ea5{color:#000000;}.gspb_text-id-gsbp-b077ea5{margin-left:-30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-b077ea5\" class=\"gspb_text gspb_text-id-gsbp-b077ea5 \">Use the promo code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">ALPHEY<\/mark><\/strong> to <ins><strong>receive 120 CHF<\/strong> <ins>(55 CHF with a deposit of 500 CHF within 30 days of account opening, and up to 65 CHF credit on investment fees)<\/ins>.<\/ins><br\/><br\/>Free account <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway:700\");@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway\");#gspb_button-id-gsbp-1fbf87e{display:flex;justify-content:flex-start;}#gspb_button-id-gsbp-1fbf87e .gspb-buttonbox-text{display:flex;flex-direction:column;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{box-sizing:border-box}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{margin-bottom:0px;margin-left:-30px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{background-color:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg));}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-weight:700;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-family:Raleway,sans-serif;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{color:#ffffff;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox > .gspb_backgroundOverlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}<\/style>\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-1fbf87e\" id=\"gspb_button-id-gsbp-1fbf87e\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/www.alpian.com\/\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Receive 120 CHF<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n<\/div>\n\n<h3 class=\"wp-block-heading\" id=\"a-lire-aussi\">Also read<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/heyneo.ch\/en\/news\/managed-by-alpian-essentials\/\">Complete Review and Opinion on Managed by Alpian Essentials<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/en\/news\/managed-by-alpian-review\/\">Complete Review and Opinion on Managed by Alpian<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/en\/news\/swiss-private-banking\/\">The Swiss Guide to Private Banking in %%currentyear%%<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/en\/service\/yuh-invest\/\">Review and Test of Yuh Investment  Trading<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/en\/service\/neon-invest\/\">Review and test of Neon Investment  Trading<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/en\/service\/selma-invest\/\">Review and Test of Selma, the Investment Platform<\/a><\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"que-pensez-vous-de-alpian-pour-vos-investissements\">What do you think of Alpian for your investments?<\/h2>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li>Has the Alpian app made it easier for you to access investing? <\/li>\n\n\n\n<li>What feature would you like to customize or improve?  <\/li>\n\n\n\n<li>Is Alpian suitable for your cryptocurrency needs?<\/li>\n\n\n\n<li>Have you become more selective about your investments since using Alpian?<\/li>\n<\/ul>\n<\/blockquote>\n\n<p><strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">Share your feedback<\/mark><\/strong> with all Neo&#8217;s friends \ud83d\ude08<\/p>\n<style>#gspb_image-id-gsbp-0ba34eb{text-align:center;}#gspb_image-id-gsbp-0ba34eb img{vertical-align:top;}#gspb_image-id-gsbp-0ba34eb img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-0ba34eb img{border-top-left-radius:30px;border-top-right-radius:30px;border-bottom-right-radius:30px;border-bottom-left-radius:30px;}#gspb_image-id-gsbp-0ba34eb img{border-style:solid;border-width:18px;border-color:var(--wp--preset--color--vivid-green,#00d084);}#gspb_image-id-gsbp-0ba34eb img{width:custom;}#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-0ba34eb\" id=\"gspb_image-id-gsbp-0ba34eb\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/11\/CTA-commentaires-EN-court-1.gif\" data-src=\"\" alt=\"User opinions and comments\" loading=\"lazy\" height=\"249\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>[Update \u2013 November 10, 2025: Introduction of new fees applied to Guided by Alpian mandates.] Guided by Alpian: a New Solution for Investors You can invest with Alpian in several ways: manage everything yourself, delegate completely, or find a middle ground. Guided by Alpian is positioned precisely in this middle ground. We follow a strategy [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":21694,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_gspb_post_css":"","_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[393],"tags":[],"dealstore":[],"offerexpiration":[],"class_list":["post-21996","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Invest with Guided by Alpian in 2026<\/title>\n<meta name=\"description\" content=\"My review of Guided by Alpian. Should you consider this management mandate for investing? 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