{"id":23101,"date":"2025-07-06T02:49:44","date_gmt":"2025-07-06T00:49:44","guid":{"rendered":"https:\/\/heyneo.ch\/non-classifiee\/abe-rts-report-investment-advice\/"},"modified":"2026-02-08T09:32:03","modified_gmt":"2026-02-08T08:32:03","slug":"abe-rts-report-investment-advice","status":"publish","type":"post","link":"https:\/\/heyneo.ch\/en\/news\/abe-rts-report-investment-advice\/","title":{"rendered":"ABE rts.ch on Bank Investment Advice: Alternatives"},"content":{"rendered":"<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>\u00c0 bon entendeur conducted <a href=\"https:\/\/www.rts.ch\/emissions\/abe\/2025\/media-article\/investir-100-000-francs-les-conseils-des-banques-suisses-compares-28922554.html\">an investigation<\/a> among eight major Swiss banks to assess the relevance and transparency of the financial advice offered. The scenario of the RTS program was realistic: investing an amount of CHF 100,000 over a period of a few years. The goal? To check if banks keep their promises of clarity and personalized recommendations.<\/strong><\/p>\n\n<p><strong>This investigation is relevant to determine if traditional banks can truly be trusted or if it&#8217;s better to turn to other existing solutions in Switzerland. We will explore this. <\/strong><\/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=\"h-les-resultats-cles-du-reportage-rts-que-valent-les-promesses-des-banques\"><strong>Key Findings from the RTS Report \u201cWhat are Banks&#8217; Promises Worth?\u201d<\/strong><\/h2>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>A Glaring Lack of Transparency Regarding Fees<\/strong><\/p>\n\n<p>One finding emerged from the investigation: none of the advisors met at these eight institutions spontaneously provided a complete and detailed list of fees associated with the proposed funds. Yet, these hidden fees, often overlooked during advice, directly impact the final profitability of investments. This opacity is problematic as it prevents investors from making informed choices and significantly reduces the real return on investments.  <\/p>\n\n<p><strong>Often Generalized and Poorly Tailored Advice<\/strong><\/p>\n\n<p>The investigation reveals a clear disparity in the quality of advice provided. While the general principles of financial investments and risks were correctly explained, the personalization of advice is often insufficient. <\/p>\n\n<p>At <strong><a href=\"https:\/\/www.ubs.com\/\">UBS<\/a><\/strong>, crucial topics such as sustainability or personal pension planning were not addressed, despite <a href=\"https:\/\/www.swissbanking.ch\/fr\/themes\/sustainable-finance\/positions-et-recommandations-en-matiere-de-finance-durable\">the official recommendations<\/a> of the Swiss Bankers Association. <strong><a href=\"https:\/\/www.bcv.ch\/\">Banque Cantonale Vaudoise<\/a><\/strong> also proved too generalist, without sufficiently integrating the client&#8217;s personal situation.<\/p>\n\n<p><a href=\"https:\/\/www.migrosbank.ch\">Migros Bank<\/a>, <a href=\"https:\/\/www.postfinance.ch\/\">PostFinance<\/a>, and <a href=\"https:\/\/www.cler.ch\/\">Banque Cler<\/a> stood out positively, thanks to a more in-depth approach tailored to personal and financial profiles and sustainability expectations.<\/p>\n\n<p><strong>Note:<\/strong> <a href=\"https:\/\/www.pictet.com\">Banque Pictet<\/a> was indeed contacted by the reporting team. But it refused to receive the investigator, explaining that the fictitious amount of CHF 100,000 did not meet its criteria. At Pictet, you need at least 2 million francs to access wealth management services. This refusal clearly illustrates that some private banks only cater to a very wealthy clientele and remain outside the scope of this report&#8217;s analysis.<\/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}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-e5acf39b-c7d5 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:10px;padding-left:10px;}}#gspb_infoBox-id-gsbp-e5acf39b-c7d5 svg,#gspb_infoBox-id-gsbp-e5acf39b-c7d5 svg path{fill:#ffffff !important;}#gspb_infoBox-id-gsbp-e5acf39b-c7d5 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-e5acf39b-c7d5 svg:hover,#gspb_infoBox-id-gsbp-e5acf39b-c7d5 svg:hover path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-e5acf39b-c7d5 .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-e5acf39b-c7d5 .gs-box{border:0;}#gspb_infoBox-id-gsbp-e5acf39b-c7d5 .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}#gspb_infoBox-id-gsbp-e5acf39b-c7d5 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-e5acf39b-c7d5\" id=\"gspb_infoBox-id-gsbp-e5acf39b-c7d5\"><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 1024 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M512 16c-273.914 0-496 222.166-496 496 0 273.994 222.086 496 496 496s496-222.006 496-496c0-273.834-222.086-496-496-496zM512 912c-221.064 0-400-178.862-400-400 0-220.99 178.944-400 400-400 220.982 0 400 178.942 400 400 0 221.060-178.862 400-400 400zM512 236c46.392 0 84 37.608 84 84s-37.608 84-84 84-84-37.608-84-84 37.608-84 84-84zM624 744c0 13.254-10.746 24-24 24h-176c-13.254 0-24-10.746-24-24v-48c0-13.254 10.746-24 24-24h24v-128h-24c-13.254 0-24-10.746-24-24v-48c0-13.254 10.746-24 24-24h128c13.254 0 24 10.746 24 24v200h24c13.254 0 24 10.746 24 24v48z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Read the <a href=\"https:\/\/heyneo.ch\/en\/news\/swiss-private-banking\/\"><strong>Swiss Private Bank Guide %%currentyear%%<\/strong><\/a> for more information.<\/p>\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=\"h-les-recommandations-pratiques-de-a-bon-entendeur\"><strong>Practical Recommendations from \u00c0 Bon Entendeur<\/strong><\/h2>\n\n<p>In light of these findings, RTS reiterates the crucial importance of investment diversification. Spreading investments across multiple products and different financial institutions effectively reduces risk. <\/p>\n\n<p>These results clearly raise the question: should we continue to favor traditional banks or explore the alternatives offered by neobanks? The rest of this article provides a comprehensive analysis of these digital alternatives. <\/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=\"h-peut-on-investir-autrement-en-suisse\"><strong>Can You Invest Differently in Switzerland?<\/strong><\/h2>\n\n<h3 class=\"wp-block-heading\" id=\"h-envisager-les-neo-banques-pour-investir\"><strong>Considering Neobanks for Investing<\/strong><\/h3>\n\n<p>Some Swiss neobanks now allow direct investment via their application. You can either fully delegate management (automated model) or purchase securities yourself, sometimes starting from very small amounts. In all cases, fees are visible from the outset, and standardized investment products are often limited to ETFs or a few Swiss and international stocks.  <\/p>\n\n<p>Five solutions available in Switzerland cover the core of this offering: <strong>Alpian<\/strong>, <strong>Selma<\/strong>, <strong>Neon<\/strong> and <strong>Yuh<\/strong>. Each is distinguished by its investment approach, its fee structure, and the level of autonomy it provides users. <\/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=\"h-alpian-investissement-la-gestion-avec-accompagnement-humain\"><strong>Alpian Investment: Management with Human Support<\/strong><\/h3>\n\n<p>At Alpian, you don&#8217;t choose the securities yourself. You first answer a questionnaire to define your risk profile. A portfolio is then proposed, built from diversified ETFs. Monitoring is ensured by experts, and if desired, you can communicate with an advisor via message or call.   <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>What you can do:<\/strong> follow strategy adjustments, ask specific questions to an advisor, adjust your allocation preferences.<\/li>\n\n\n\n<li><strong>Strengths:<\/strong> personalized support, clear strategy, good fee transparency (0.75%\/year).<\/li>\n\n\n\n<li><strong>Limitations:<\/strong> no direct market access, no possibility to buy a specific asset yourself.<\/li>\n<\/ul>\n\n<p><a href=\"https:\/\/heyneo.ch\/en\/service\/alpian-invest\/\">Read our full review of Alpian&#8217;s investment offering<\/a><\/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=\"h-selma-investissement-un-portefeuille-100-automatise\"><strong>Selma Investment: a 100% Automated Portfolio<\/strong><\/h3>\n\n<p>With Selma, you entrust the entire management to an algorithm. After a digital exchange to understand your situation and objectives, a portfolio is automatically created and updated without intervention. No manual selection is possible.  <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>What you can do:<\/strong> adjust your risk profile, modify your investment horizon, modify your payments.<\/li>\n\n\n\n<li><strong>Strengths:<\/strong> simple process, no investment knowledge needed, well-explained costs.<\/li>\n\n\n\n<li><strong>Limitations:<\/strong> no direct action on portfolio composition, interface more functional than editorialized.<\/li>\n<\/ul>\n\n<p><a href=\"https:\/\/heyneo.ch\/en\/service\/selma-invest\/\">Read our full review of Selma<\/a><\/p>\n<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<h3 class=\"wp-block-heading\" id=\"h-neon-investissement-interface-simplifiee-pour-des-placements-passifs\"><strong>Neon Investment: Simplified Interface for Passive Investments<\/strong><\/h3>\n\n<p>Neon allows investing via a partnership with True Wealth. You choose a risk level and an allocation strategy, then management is automated. It is also possible to manually buy some stocks or ETFs, but the offering remains limited.  <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>What you can do:<\/strong> start a recurring investment plan, buy some specific securities, choose a portfolio based on global or Swiss ETFs.<\/li>\n\n\n\n<li><strong>Strengths:<\/strong> low fees (0.45%\/year), direct integration with the Neon banking app, good simplicity\/cost ratio.<\/li>\n\n\n\n<li><strong>Limitations:<\/strong> restricted investment catalog, no fractional shares, no thematic management.<\/li>\n<\/ul>\n\n<p><a href=\"https:\/\/heyneo.ch\/en\/service\/neon-invest\/\">Read our full review of Neon&#8217;s investment offering<\/a><\/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=\"h-yuh-investissement-acces-aux-actions-et-cryptos-des-25-chf\"><strong>Yuh Investment: Access to Stocks and Cryptos from CHF 25<\/strong><\/h3>\n\n<p>Yuh offers a public-friendly interface with a catalog of stocks, ETFs, and cryptos accessible from CHF 25. You can buy a fraction of a security, schedule regular purchases, and track your portfolio. The investment universe is limited, but the functions are well-designed.  <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>What you can do:<\/strong> buy a portion of a stock or ETF, invest automatically each month, track a simple performance evolution.<\/li>\n\n\n\n<li><strong>Strengths:<\/strong> accessibility, clear interface, low entry amount.<\/li>\n\n\n\n<li><strong>Limitations:<\/strong> limited choice, no ESG filter, absence of strategic support or advice.<\/li>\n<\/ul>\n\n<p><a href=\"https:\/\/heyneo.ch\/en\/service\/yuh-invest\/\">Read our full review of Yuh&#8217;s investment offering<\/a><\/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=\"h-comparatif-des-solutions-d-investissement-des-neo-banques-suisses-en-currentyear\"><strong>Comparison of investment solutions<\/strong> <strong>from Swiss neobanks<\/strong> in %%currentyear%%<\/h2>\n\n<p>To find out all the details, consult the <a href=\"https:\/\/heyneo.ch\/#invest\">guide to digital investment platforms in Switzerland<\/a>. In the meantime, here&#8217;s a quick comparison of the available solutions:<\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Solution<\/strong><\/td><td><strong>Indicative Fees<\/strong><\/td><td><strong>Approach<\/strong><\/td><td><strong>Main Advantages<\/strong><\/td><td><strong>Main Limitations<\/strong><\/td><\/tr><tr><td><strong>Alpian<\/strong><\/td><td>0.75% \/ year<\/td><td>Semi-active management<\/td><td>Human advice, expert-defined strategy<\/td><td>No trading, min. deposit CHF 2,000 to CHF 30,000 <\/td><\/tr><tr><td><strong>Selma<\/strong><\/td><td>approx. 0.49% \/ year<\/td><td>Full robo-advisor<\/td><td>Full automation, no rebalancing needed<\/td><td>No choice on securities, no thematic ETFs<\/td><\/tr><tr><td><strong>Neon<\/strong><\/td><td>0.45% \/ year<\/td><td>Passive management (ETF)<\/td><td>Reduced fees, choice between Swiss or global ETFs<\/td><td>No fractional trading, no thematic selection<\/td><\/tr><tr><td><strong>Yuh<\/strong><\/td><td>Fees per transaction<\/td><td>Simplified manual purchase<\/td><td>Access from CHF 25, ETFs, stocks, cryptos<\/td><td>Fewer than 100 assets available, no defined strategy<\/td><\/tr><\/tbody><\/table><\/figure>\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=\"h-conclusion-a-quels-conseils-en-investissement-se-fier\"><strong>Conclusion: which Investment Advice to Trust?<\/strong><\/h2>\n\n<p>The RTS report results show weaknesses in the advice offered by traditional banks. Conversely, Swiss neobanks provide a clear answer, with transparent models, and also limitations. But fees are known in advance, and accessibility adapted to different profiles is a welcome convenience.  <\/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=\"h-le-bon-choix-depend-de-ses-priorites\">The Right Choice Depends on your Priorities:<\/h3>\n\n<p>If you want to delegate everything without getting involved: Selma<\/p>\n\n<p>If you want structured human advice: Alpian<\/p>\n\n<p>If you want a simple passive investment: Neon<\/p>\n\n<p>If you are starting with small amounts: Yuh<\/p>\n\n<p>To learn more, consult the updated comparison on <a href=\"https:\/\/heyneo.ch\/#invest\" type=\"link\" id=\"https:\/\/heyneo.ch\/#invest\">heyneo.ch \u2013 Investment &amp; Trading section<\/a>.<\/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=\"a-lire-aussi\">Also read<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/heyneo.ch\/en\/news\/private-banking-key-points\/\">Private Banking in Switzerland: 5 Points to Watch out for to Avoid Unpleasant Surprises<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/en\/news\/swiss-private-banking\/\" type=\"post\" id=\"6408\">Swiss Private Banking: the %%currentyear%% Guide<\/a><\/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=\"quelles-solutions-avez-vous-testees-vers-qui-se-tourner-pour-le-conseil-en-investissement\">What Solutions Have You Tested? Who should You Turn to for Investment Advice? <\/h2>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><\/p>\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\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00c0 bon entendeur conducted an investigation among eight major Swiss banks to assess the relevance and transparency of the financial advice offered. The scenario of the RTS program was realistic: investing an amount of CHF 100,000 over a period of a few years. The goal? To check if banks keep their promises of clarity and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":23016,"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-23101","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 v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>ABE on Bank Investment Advice | RTS<\/title>\n<meta name=\"description\" content=\"\u201cInvestments: How valuable is bank advice? rts.ch - A bon entendeur\u201d What are the alternatives to the report&#039;s solutions?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/heyneo.ch\/en\/news\/abe-rts-report-investment-advice\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ABE on Bank Investment Advice | RTS\" \/>\n<meta property=\"og:description\" content=\"\u201cInvestments: How valuable is bank advice? 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