{"id":13444,"date":"2025-01-10T00:36:47","date_gmt":"2025-01-09T23:36:47","guid":{"rendered":"https:\/\/heyneo.ch\/?post_type=product&#038;p=13444"},"modified":"2026-02-08T16:18:47","modified_gmt":"2026-02-08T15:18:47","slug":"alpian-invest","status":"publish","type":"product","link":"https:\/\/heyneo.ch\/en\/service\/alpian-invest\/","title":{"rendered":"Invest with Alpian \u2013 Complete Review in April 2026, get 120 CHF"},"content":{"rendered":"<style>.gspb_container-id-gsbp-11a7e4c{flex-direction:column;box-sizing:border-box;}#gspb_container-id-gsbp-11a7e4c.gspb_container > p:last-of-type{margin-bottom:0}#gspb_container-id-gsbp-11a7e4c.gspb_container{position:relative;}<\/style>\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-11a7e4c\" id=\"gspb_container-id-gsbp-11a7e4c\"><style>.gs-autolist{margin:15px 0 30px 0;border:1px solid #dddddd7d;}.gs-autolist-item{padding:15px 15px 15px 5px;display:flex;align-items:center;}.gs-autolist-title,.gs-autolist-title a{font-size:18px;line-height:24px;text-decoration:none}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-item{background-color:#ffffff}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-item:nth-child(2n){background-color:#ffffff}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-title a{color:#ec4da3}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{border-radius:50%;color:#fff;margin:0 20px 0 15px;text-align:center;font-weight:700;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{background-color:#f4b6d9}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{color:var(u002du002dwpu002du002dpresetu002du002dcoloru002du002dsecondary,var(u002du002drehub-sec-color))}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{height:20px;line-height:20px;width:20px;font-size:13px;min-width:20px;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs_sub_heading .gs-autolist-number{font-size:70%;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-title a{text-decoration:dotted underline;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist{border-style:none;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist{border-bottom-style:none;}<\/style>\n<div class=\"wp-block-greenshift-blocks-toc gs-toc gspb_toc-id-gsbp-87fad4ca-0f99\" id=\"gspb_toc-id-gsbp-87fad4ca-0f99\" itemscope=\"\" itemtype=\"https:\/\/schema.org\/ItemList\"><div class=\"gs-autolist\"><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">1<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Alpian, Swiss investment platform\"><a class=\"gs-scrollto\" href=\"#1-pourquoi-alpian-investissement\">Alpian, Swiss investment platform<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">2<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"What Sets Alpian Apart\"><a class=\"gs-scrollto\" href=\"#2-ce-qui-differencie-alpian\">What Sets Alpian Apart<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">3<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Alpian's Wealth Management and Investment Offering\"><a class=\"gs-scrollto\" href=\"#3-offre-gestion-fortune-investissement-alpian\">Alpian&#8217;s Wealth Management and Investment Offering<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">4<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Available Investment Products\"><a class=\"gs-scrollto\" href=\"#4-produits-investissement-alpian-investissement\">Available Investment Products<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">5<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"The Three Levels of Support\"><a class=\"gs-scrollto\" href=\"#5-mandats-alpian-investissement\">The Three Levels of Support<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">6<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Managed by Alpian Essentials\"><a class=\"gs-scrollto\" href=\"#6-managed-by-alpian-essentials\">Managed by Alpian Essentials<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">7<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Guided by Alpian \"><a class=\"gs-scrollto\" href=\"#7-guided-by-alpian\">Guided by Alpian <\/a><\/span> <\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">8<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Managed by Alpian\"><a class=\"gs-scrollto\" href=\"#8-managed-by-alpian\">Managed by Alpian<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">9<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"List of ETFs Available at Alpian\"><a class=\"gs-scrollto\" href=\"#9-liste-etf-alpian\">List of ETFs Available at Alpian<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">10<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Management Fees and Costs\"><a class=\"gs-scrollto\" href=\"#10-frais-alpian-investissement\">Management Fees and Costs<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">11<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Comparison of Fees with Other Platforms in Switzerland\"><a class=\"gs-scrollto\" href=\"#11-comparaison-frais-alpian-investissement\">Comparison of Fees with Other Platforms in Switzerland<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">12<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Real Costs\"><a class=\"gs-scrollto\" href=\"#12-simulation-frais-alpian-investissement\">Actual Costs<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">13<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Customized investment strategy\"><a class=\"gs-scrollto\" href=\"#13-strategie-investissement-personnalisee\">Personalized Investment Strategy<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">14<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Portfolio management\"><a class=\"gs-scrollto\" href=\"#14-gestion-portefeuille-alpian-investissement\">Portfolio Management<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">15<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Continuous optimization and the role of market views\"><a class=\"gs-scrollto\" href=\"#15-optimisation-alpian-investissement\">Continuous Optimization and the Role of Market Views<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">16<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Comparison with Selma\"><a class=\"gs-scrollto\" href=\"#16-comparaison-selma-alpian-investissement\">Comparison with Selma<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">17<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Security\"><a class=\"gs-scrollto\" href=\"#17-securite-alpian-investissement\">Security<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">18<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Alpian versus the competition\"><a class=\"gs-scrollto\" href=\"#18-concurrence-alpian-investissement\">Alpian Compared to the Competition<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">19<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Recommendations\"><a class=\"gs-scrollto\" href=\"#19-recommendations-alpian-investissement\">Recommendations<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">20<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Conclusion\"><a class=\"gs-scrollto\" href=\"#20-conclusion-alpian-investissement\">Conclusion<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">21<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"What do you think of Alpian for your investments?\"><a class=\"gs-scrollto\" href=\"#21-que-pensez-vous-alpian-pour-vos-investissements\">What Do You Think of Alpian for Your Investments?<\/a><\/span><\/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<p>[<em>Update \u2013 06.02.2026: Improved visibility of related content (investing with Alpian + general comparison)<\/em>]<br\/>[<em>Update \u2013 10.11.2025: Presentation of new fees applied to Managed by Alpian mandates.<\/em>]<br\/>[<em>Update \u2013 23.09.2025: Presentation of Alpian&#8217;s recurring investment feature.<\/em>]<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">1<\/span>\t<\/div>\t<div id=\"1-pourquoi-alpian-investissement\">\t\t<h2 class=\"mt0 mb0\">Why Consider Alpian for Investing in <strong>%%currentyear%%<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Alpian, Swiss investment platform<\/div>\t<\/div><\/div><style>.gspb_container-id-gsbp-f45d4c6{flex-direction:column;box-sizing:border-box;}#gspb_container-id-gsbp-f45d4c6.gspb_container > p:last-of-type{margin-bottom:0}#gspb_container-id-gsbp-f45d4c6.gspb_container{position:relative;}<\/style>\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-f45d4c6\" id=\"gspb_container-id-gsbp-f45d4c6\"\/>\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 investing with Alpian.<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\n<p><strong>Switzerland&#8217;s first &#8216;digital private bank&#8217; is intriguing, but what is Alpian truly like in %%currentyear%%? Is it effective for all investors? Let&#8217;s examine that.  <\/strong><\/p>\n\n<p><strong>\ud83d\udcdd The purpose of this review:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>To detail what Alpian offers and what <strong>sets it apart<\/strong> from other banks.<\/li>\n\n\n\n<li>To <strong>compare<\/strong> Alpian to other solutions available in Switzerland.<\/li>\n\n\n\n<li>To <strong>evaluate<\/strong> the fees, performance, and investor profiles it suits best.<\/li>\n<\/ul>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">2<\/span>\t<\/div>\t<div id=\"2-ce-qui-differencie-alpian\">\t\t<h2 class=\"mt0 mb0\">Alpian: A Hybrid Bank Between Private Bank, Robo-Advisor, and Broker<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">What Sets Alpian Apart<\/div>\t<\/div><\/div>\n<p><strong>Managing your investments alone requires discipline<\/strong>:<strong> <\/strong>you need to monitor markets, make the right decisions at the right time, and avoid emotional biases. It&#8217;s doable, but requires time, solid knowledge, and a clear strategy. <\/p>\n\n<p>When it comes to &#8220;<strong>wealth management<\/strong>&#8220;, we first think of Lombard Odier, Pictet, or UBS Wealth, who cater to affluent clients with entry thresholds often exceeding 500,000 CHF.<br\/><br\/>Conversely, <strong>robo-advisors<\/strong> like Selma make investing accessible from just a few hundred francs, but without real human support.<br\/><br\/>Then there are <strong>brokers<\/strong> like Swissquote and neo-banks like Yuh or Neon, which offer direct access to markets or investment products, but require complete autonomy in managing investments.<\/p>\n\n<p><strong>Alpian is <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">between all these models<\/mark><\/strong>: more structured than an online broker, more personalized than a robo-advisor and <a href=\"https:\/\/heyneo.ch\/en\/news\/swiss-private-banking\/\">less expensive than a traditional private bank<\/a>.<\/p>\n\n<p><strong>Alpian resembles a private bank, but with a much more accessible approach<\/strong>: one can open a mandate from 2,000 CHF (compared to several hundred thousand in a traditional bank). It distinguishes itself from robo-advisors like Selma through genuine support, but maintains an algorithmic approach to optimize allocations. And unlike brokers, one does not directly choose their stocks: everything is managed via optimized portfolios.  <\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Criteria<\/strong><\/td><td><strong>Private Bank<\/strong><\/td><td><strong>Alpian<\/strong><\/td><td><strong>Neon Invest<\/strong><\/td><td><strong><\/strong><strong>Yuh Invest<\/strong><\/td><td><strong><\/strong><strong>Selma<\/strong><\/td><td><strong>Swissquote<\/strong><\/td><\/tr><tr><td><strong>Approach<\/strong><\/td><td>Traditional Private Bank<\/td><td>Digital Private Bank<\/td><td>Stock  ETF Trading<\/td><td>Stock  ETF Trading<\/td><td>Robo-advisor<\/td><td>Full Broker<\/td><\/tr><tr><td><strong>Delegated Management <\/strong><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Managed by an Advisor<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Managed by Alpian<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark> <\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark> <\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Automated, without adjustment possibility<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Free Management<\/td><\/tr><tr><td><strong>Personalized advice<\/strong><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <br\/>Human<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <br\/>Human<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark> <\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark> <\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Automated<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/td><\/tr><tr><td><strong>Wide Range of Assets?<\/strong><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> (stocks, bonds, etc.)<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark> (ETFs only)<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark> (Non-customizable ETF Portfolio)<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <\/td><\/tr><tr><td><strong>Management fees<\/strong><\/td><td>1.32% (average) \/ year<\/td><td>between 0.50% and 0.75% per year, depending on the chosen plan, all fees included<\/td><td>0.5% \/ order<\/td><td>0.5% \/ order<\/td><td>0.47% \/ year<\/td><td>1-1,5 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p><br\/>Alpian differentiates its offerings with two service levels. The <strong>Standard plan<\/strong> offers a fixed rate of <strong>0.75% per year<\/strong>, applicable to all available investment strategies. <\/p>\n\n<p>On the other hand, the <strong>Signature<\/strong> option is designed for clients with a more substantial asset base: one must either <strong>invest a minimum of CHF 150,000<\/strong>, or <strong>invest CHF 1,000 monthly<\/strong> to benefit from it. In this case, fees gradually decrease based on the amount managed: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Up to CHF 300,000: <strong>0.69%<\/strong><\/li>\n\n\n\n<li>Between CHF 300,000 and CHF 500,000: <strong>0.60%<\/strong><\/li>\n\n\n\n<li>Above CHF 500,000: <strong>0.50%<\/strong><\/li>\n<\/ul>\n\n<p>In all cases, <strong>no additional fees<\/strong> are applied: neither transaction commissions nor custody fees; everything is included in the annual percentage.<\/p>\n\n<p><\/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.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.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-8e4d87e .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-8e4d87e svg,#gspb_infoBox-id-gsbp-8e4d87e svg path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-8e4d87e svg{margin:0px !important;}#gspb_infoBox-id-gsbp-8e4d87e .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-8e4d87e .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-8e4d87e .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-8e4d87e .gs-box{background-color:#f4b6d9;}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-8e4d87e\" id=\"gspb_infoBox-id-gsbp-8e4d87e\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 704 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M352 160c-105.88 0-192 86.12-192 192 0 17.68 14.32 32 32 32s32-14.32 32-32c0-70.6 57.44-128 128-128 17.68 0 32-14.32 32-32s-14.32-32-32-32zM192.12 918.34c0 6.3 1.86 12.44 5.36 17.68l49.020 73.68c5.94 8.92 15.94 14.28 26.64 14.28h157.7c10.72 0 20.72-5.36 26.64-14.28l49.020-73.68c3.48-5.24 5.34-11.4 5.36-17.68l0.1-86.36h-319.92l0.080 86.36zM352 0c-204.56 0-352 165.94-352 352 0 88.74 32.9 169.7 87.12 231.56 33.28 37.98 85.48 117.6 104.84 184.32v0.12h96v-0.24c-0.020-9.54-1.44-19.020-4.3-28.14-11.18-35.62-45.64-129.54-124.34-219.34-41.080-46.86-63.040-106.3-63.22-168.28-0.4-147.28 119.34-256 255.9-256 141.16 0 256 114.84 256 256 0 61.94-22.48 121.7-63.3 168.28-78.22 89.22-112.84 182.94-124.2 218.92-2.805 8.545-4.428 18.381-4.44 28.594l-0 0.006v0.2h96v-0.1c19.36-66.74 71.56-146.36 104.84-184.32 54.2-61.88 87.1-142.84 87.1-231.58 0-194.4-157.6-352-352-352z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color has-link-color wp-elements-b07d7ce2766f97ae2c4853abfec8adf0\"><em>An investor primarily looking to minimize fees might prefer Neon Invest or Yuh, while an investor wanting to delegate investment management at an affordable price might turn to Alpian. But it also depends on expectations regarding personalization and support. <\/em><\/p>\n<\/div><\/div><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"qui-est-derriere-alpian\"><strong>Who is behind Alpian?<\/strong><\/h3>\n\n<p>Alpian was founded in 2019, but it&#8217;s not an isolated player: it&#8217;s part of the <a href=\"https:\/\/group.intesasanpaolo.com\/en\/\">Intesa Sanpaolo<\/a> group, one of the largest European banks.<\/p>\n\n<figure class=\"wp-block-image is-resized\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXf5qXSpDwclljNQH-qb6tG51QQoA5yP2xmOIDektguzbRgX56Tm8jjdsHwCeDg1s071qcgZx38T9pnWd1p8TBe2_6lWylnL8cDS4pTG1ckQZcWlqod6ZjRi6tw3JAazjf0nReG5nw?key=Kp1z9QZjv3stAdOh4Av_Nysh\" alt=\"\" style=\"width:269px;height:auto\"\/><\/figure>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">3<\/span>\t<\/div>\t<div id=\"3-offre-gestion-fortune-investissement-alpian\">\t\t<h2 class=\"mt0 mb0\">Management models: how does Alpian invest your money?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Alpian&#8217;s Wealth Management and Investment Offering<\/div>\t<\/div><\/div>\n<p>It&#8217;s a <strong>key decision<\/strong> when choosing to invest: do you want to be completely autonomous, or do you prefer a manager to handle your investments?<\/p>\n\n<p>There are three levels of support:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>A turnkey portfolio<\/strong> with predefined investment strategies.<\/li>\n\n\n\n<li><strong>Support with recommendations<\/strong>, while retaining control over decisions.<\/li>\n\n\n\n<li><strong>Full discretionary management<\/strong>, where you completely delegate investment decisions.<\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"les-mandats-d-investissement-alpian\"><strong>Alpian investment mandates<\/strong><\/h3>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Mandate<\/strong><\/td><td><strong>Description<\/strong><\/td><td><strong>Minimum investment<\/strong><\/td><td><strong>Client autonomy<\/strong><\/td><td><strong>Level of personalization<\/strong><\/td><\/tr><tr><td><strong>Managed by Alpian Essentials<\/strong><\/td><td>Turnkey portfolio with predefined risk profiles<\/td><td>2,000 CHF<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark> <\/td><td>Standard<\/td><\/tr><tr><td><strong>Guided by Alpian<\/strong><\/td><td>The investor makes decisions with Alpian recommendations<\/td><td>10,000 CHF<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <\/td><td>Moderate<\/td><\/tr><tr><td><strong>Managed by Alpian<\/strong><\/td><td>Tailored management by Alpian experts<\/td><td>30,000 CHF<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark> <\/td><td>Very high<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p>Unlike robo-advisors that apply a fully automated model, Alpian <strong>integrates a human dimension<\/strong> at the heart of the process, within the application: you can discuss with a manager and adjust your strategy when you wish.<\/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<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">4<\/span>\t<\/div>\t<div id=\"4-produits-investissement-alpian-investissement\">\t\t<h2 class=\"mt0 mb0\">Investment products available at Alpian<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Available Investment Products<\/div>\t<\/div><\/div>\n<p>With Alpian, you don&#8217;t manually choose each stock like with Swissquote: everything is based on a predefined allocation, optimized according to your profile. You invest via a selection of <strong>45 ETFs<\/strong> managed automatically. <br\/><br\/>\ud83d\udca1 An <strong>ETF<\/strong> (Exchange-Traded Fund) is a fund listed on the stock exchange that groups several securities, such as stocks or bonds, into a single product. The idea is to <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">diversify<\/mark> investments while keeping fees low. Some ETFs track global stock market indices, others allow exposure to specific themes like clean energy, tech, or even crypto assets via listed products.  <\/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.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.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-f317c14 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-f317c14 svg,#gspb_infoBox-id-gsbp-f317c14 svg path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-f317c14 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-f317c14 .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-f317c14 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-f317c14 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-f317c14 .gs-box{background-color:#f4b6d9;}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-f317c14\" id=\"gspb_infoBox-id-gsbp-f317c14\"><div class=\"gs-box notice_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-black-color has-text-color has-link-color wp-elements-46689dc89e89e3f89271fe934bc9b1e4\">It&#8217;s impossible to directly buy individual stocks. The ETFs do include companies like Tesla or Nestl\u00e9, but you can neither select specific securities nor freely adjust their distribution. For a more flexible approach, Swissquote or Yuh allow more customization.  <\/p>\n<\/div><\/div><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"crypto-monnaies-une-exposition-encadree-sans-gestion-directe\">Cryptocurrencies: a controlled exposure, without direct management<\/h3>\n\n<p><strong>Investing in cryptocurrencies <\/strong>with Alpian is only possible through <strong>specialized ETFs<\/strong>, such as the <a href=\"https:\/\/www.google.com\/finance\/quote\/CBTC:SWX\">21Shares Bitcoin Core ETP<\/a>. No direct purchases, no wallets, no private key management: everything is integrated into the standard investment framework.<\/p>\n\n<p>It&#8217;s a model that reduces risks, but also limits freedom of action. Unlike Yuh, where you can directly buy Bitcoin or Ethereum, here it&#8217;s not possible to enter and exit the market at will. <\/p>\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"pas-d-actions-en-direct-ni-de-matieres-premieres-ou-de-private-equity\">No direct stocks, commodities, or private equity<\/h3>\n\n<p>At Alpian, you can&#8217;t invest directly in individual stocks, commodities, or private equity. Everything is framed within a standardized strategy and adjustable only within certain limits. <\/p>\n\n<p>If you&#8217;re looking for more flexibility in managing your portfolio, Swissquote and Yuh allow you to buy and sell securities freely. With Alpian, you follow an allocation defined from the start, without the possibility of modifying it individually. <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">5<\/span>\t<\/div>\t<div id=\"5-mandats-alpian-investissement\">\t\t<h2 class=\"mt0 mb0\">Investment mandates at Alpian: three levels of support<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">The Three Levels of Support<\/div>\t<\/div><\/div>\n<p><strong>How involved do you want to be in managing your portfolio?<\/strong> Some want to delegate everything, others prefer to have control while being supported, and others seek a fully automated solution. Alpian offers three types of support, each with a different degree of flexibility: <\/p>\n\n<p>With <strong><em><a href=\"https:\/\/heyneo.ch\/en\/news\/managed-by-alpian-essentials\/\">Managed by Alpian Essentials<\/a><\/em><\/strong>, everything is automated and the investor follows a fixed strategy, without the possibility of adjustment (except for weekly rebalancing). <\/p>\n\n<p><strong><em><a href=\"https:\/\/heyneo.ch\/en\/news\/managed-by-alpian-review\/\">Managed by Alpian<\/a><\/em><\/strong> offers management more adapted to the risk profile, but without manual intervention.<\/p>\n\n<p>Only the <strong><a href=\"https:\/\/heyneo.ch\/en\/news\/guided-by-alpian-review\/\">Guided by Alpian<\/a><\/strong> mandate allows for a certain degree of control, with a margin of \u00b110% on asset allocation and the possibility of choosing ETFs from a pre-established selection. An approach that provides a framework for personalization, while allowing more freedom than a robo-advisor such as Selma, but less than a broker such as Swissquote, where every choice is left to the investor.<\/p>\n<style>#gspb_image-id-gsbp-7e12358{text-align:center;}#gspb_image-id-gsbp-7e12358 img{vertical-align:top;}#gspb_image-id-gsbp-7e12358 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-7e12358\" id=\"gspb_image-id-gsbp-7e12358\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/Approche-investissement-de-Alpian.png\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"1504\" height=\"808\"><\/div>\n\n<p class=\"has-text-align-center has-black-color has-text-color has-link-color has-small-font-size wp-elements-4da27da050820efde7c91906a4687a69\">Image: heyneo.ch<\/p>\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>What changes is the degree of customization and autonomy left to the investor (which we explain in the next point).<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">6<\/span>\t<\/div>\t<div id=\"6-managed-by-alpian-essentials\">\t\t<h2 class=\"mt0 mb0\">Managed by Alpian Essentials: Passive Management (from 2,000 CHF)<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Managed by Alpian Essentials<\/div>\t<\/div><\/div>\n<p>This is Alpian&#8217;s gateway for investors who want to <strong>start by testing the waters<\/strong>\ud83c\udf21\ufe0f. When you&#8217;re starting out or looking for a ready-made investment solution, it&#8217;s reassuring to have a portfolio already structured without having to worry about asset allocation. That&#8217;s the principle of Managed by Alpian Essentials.  <\/p>\n<style>#gspb_image-id-gsbp-53a39ef{text-align:center;}#gspb_image-id-gsbp-53a39ef img{vertical-align:top;}#gspb_image-id-gsbp-53a39ef img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-53a39ef img{width:250px;}#gspb_image-id-gsbp-53a39ef,#gspb_image-id-gsbp-53a39ef img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-53a39ef,#gspb_image-id-gsbp-53a39ef img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-53a39ef,#gspb_image-id-gsbp-53a39ef img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-53a39ef,#gspb_image-id-gsbp-53a39ef img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-53a39ef\" id=\"gspb_image-id-gsbp-53a39ef\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/11\/Managed-by-Alpian-version-HD-e1730910387525.png\" data-src=\"\" alt=\"Managed by Alpian HD Version\" loading=\"lazy\" width=\"250\" height=\"1583\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>In this mandate, everything is predefined: you choose a risk profile from five options and Alpian manages the portfolio allocation accordingly. The investment is based exclusively on carefully selected and diversified ETFs. You can also opt for a particular investment theme such as Sustainable, Global, Swiss, or Global Crypto.  <\/p>\n\n<p>You let the financial experts handle it while having full visibility on what&#8217;s happening in the portfolio. But this level of simplicity also has its limitations: <\/p>\n\n<p><strong>What you gain<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Ease.<\/li>\n\n\n\n<li>An accessible entry from 2,000 CHF (far from the 500,000 CHF minimum required by a private bank).<\/li>\n\n\n\n<li>Management without the need for intervention.<\/li>\n\n\n\n<li>Fixed fees (between 0.50% and 0.75% per year), which remain the same for all mandates.<\/li>\n<\/ul>\n\n<p><strong>What you lose<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>No customization beyond the defined risk profiles.<\/li>\n\n\n\n<li>The portfolio follows the performance of ETFs but does not make strategic decisions as an active manager might.<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.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-225c0d4 .gs-box-text{flex-grow:1;margin:0}#gspb_infoBox-id-gsbp-225c0d4 .gs-box-icon{margin-left:-10px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-225c0d4 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-225c0d4 svg{height:50px!important;width:50px!important;min-width:50px!important;}#gspb_infoBox-id-gsbp-225c0d4 svg,#gspb_infoBox-id-gsbp-225c0d4 svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-225c0d4 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-225c0d4 svg:hover,#gspb_infoBox-id-gsbp-225c0d4 svg:hover path{fill:#25e8a1 !important;}#gspb_infoBox-id-gsbp-225c0d4 .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-225c0d4 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea32b;}#gspb_infoBox-id-gsbp-225c0d4 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-225c0d4 .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-225c0d4\" id=\"gspb_infoBox-id-gsbp-225c0d4\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg id=\"Calque_2\" style=\"width:5rem;height:5rem;margin:10px\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 62.63 93\">\n  <g id=\"Calque_2-2\" dataname=\"Calque_2\">    <g>\n      <path 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d=\"M31.31,10.89C9.18,10.89,0,23.82,0,47.13s16.39,45.87,31.31,45.87c16.46,0,31.31-22.56,31.31-45.87S56.78,10.89,31.31,10.89ZM45,76.7c-1,.58-4.57,2.3-7.8,2.86-.54.09-1.21.18-2,.24l-4.78,5.45c-.08.09-.19.15-.31.17-.06,0-.11,0-.17,0-.18-.03-.33-.16-.39-.32l-2.15-6.11c-.13-.04-.26-.07-.4-.11l-5.64,3.58c-.1.07-.23.09-.35.08-.06,0-.11-.02-.17-.05-.16-.08-.27-.24-.28-.41l-.25-6.9c-4.64-3.98-6.39-9.26-5.82-9.66.61-.41,3.39,4.85,10.44,7.98,5.28,2.34,10.4,2.36,12.08,2.31,6.27-.17,11.1-2.4,11.39-1.82.29.58-2.95,2.44-3.41,2.71ZM31.31,59.32c-10.47,0-18.95-8.04-18.95-17.96s8.49-17.96,18.95-17.96,18.95,8.04,18.95,17.96-8.49,17.96-18.95,17.96Z\"><\/path>\n    <\/g>\n  <\/g>\n<\/svg><\/div><div class=\"gs-box-text\"><style>.gspb_text-id-gsbp-1f89381{color:#ffffff;}.gspb_text-id-gsbp-1f89381 a,.gspb_text-id-gsbp-1f89381 .wp-block a{color:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg));}.gspb_text-id-gsbp-1f89381 a:hover,.gspb_text-id-gsbp-1f89381 .wp-block a:hover{color:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg));}.gspb_text-id-gsbp-1f89381{padding-left:30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-1f89381\" class=\"gspb_text gspb_text-id-gsbp-1f89381 \"><strong>Read also:<\/strong> <a href=\"https:\/\/heyneo.ch\/en\/news\/managed-by-alpian-essentials\/\">Managed by Alpian Essentials: my logbook \u2013 experience report in %%currentmonth%% %%currentyear%%<\/a>.<\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div><\/div>\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<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">7<\/span>\t<\/div>\t<div id=\"7-guided-by-alpian\">\t\t<h2 class=\"mt0 mb0\">Guided by Alpian: the Compromise between Autonomy and Advice (from 10,000 CHF)<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Guided by Alpian  <\/div>\t<\/div><\/div>\n<p>Everyone is different. You may want to manage your investments without being completely left to your own devices (especially when you don&#8217;t necessarily have the time to constantly monitor the markets). This is where <a href=\"https:\/\/heyneo.ch\/en\/news\/guided-by-alpian-review\/\">Guided by Alpian<\/a> becomes interesting. You retain control over your decisions, but with recommendations to <strong>refine your strategy<\/strong>.   <\/p>\n<style>#gspb_image-id-gsbp-943b864{text-align:center;}#gspb_image-id-gsbp-943b864 img{vertical-align:top;}#gspb_image-id-gsbp-943b864 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-943b864 img{width:250px;}#gspb_image-id-gsbp-943b864,#gspb_image-id-gsbp-943b864 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-943b864,#gspb_image-id-gsbp-943b864 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-943b864,#gspb_image-id-gsbp-943b864 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-943b864,#gspb_image-id-gsbp-943b864 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-943b864\" id=\"gspb_image-id-gsbp-943b864\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/11\/Guided-by-Alpian-version.jpg\" data-src=\"\" alt=\"Guided by Alpian Version\" loading=\"lazy\" width=\"250\" height=\"1600\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>What you gain<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>A good compromise between autonomy and guidance.<\/li>\n\n\n\n<li>Access to about fifty ETFs, compared to only pre-made portfolios in Essentials.<\/li>\n\n\n\n<li>Regular recommendations to optimize the portfolio.<\/li>\n<\/ul>\n\n<p><strong>What you lose<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Orders are not executed in real-time, but scheduled.<\/li>\n\n\n\n<li>You can&#8217;t completely deviate from defined strategies (maximum 10% difference).<\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"alpian-par-rapport-a-neon-et-yuh\"><strong>Alpian compared to Neon and Yuh?<\/strong><\/h3>\n\n<p>This touches on <strong>Alpian&#8217;s hybrid nature<\/strong>: more guidance than with a simple trading account, but less freedom than with a broker. In comparison, Neon Invest and Yuh allow you to buy stocks freely, but without any follow-up or advice. Guided by Alpian positions itself right between the two with <a href=\"https:\/\/heyneo.ch\/en\/news\/guided-by-alpian-review\/\">a structured framework, but a certain degree of flexibility<\/a>.  <\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Criteria<\/strong><\/td><td><strong>Alpian Guided<\/strong><\/td><td><strong>Neon<\/strong><\/td><td><strong>Yuh<\/strong><\/td><\/tr><tr><td><strong>Minimum investment<\/strong><\/td><td>10,000 CHF<\/td><td>1 CHF<\/td><td>25 CHF<\/td><\/tr><tr><td><strong>Management<\/strong><\/td><td>Assisted<\/td><td>Free<\/td><td>Free<\/td><\/tr><tr><td><strong>Choice of assets<\/strong><\/td><td>Pre-selected ETFs<\/td><td>Free stocks and ETFs<\/td><td>Free stocks and ETFs<\/td><\/tr><tr><td><strong>Personalized advice<\/strong><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark> <\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark> <\/td><\/tr><\/tbody><\/table><\/figure>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"et-guided-by-alpian-par-rapport-a-un-robo-advisor-comme-selma\"><strong>And Guided by Alpian Compared to a Robo-Advisor like Selma?<\/strong><\/h3>\n\n<p>Comparing with Selma, we see that the idea is quite similar: passive management through ETFs, an equivalent entry threshold, and an algorithmic approach:<\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Criteria<\/strong><\/td><td><strong>Alpian Essentials<\/strong><\/td><td><strong>Selma<\/strong><\/td><\/tr><tr><td><strong>Minimum investment<\/strong><\/td><td>2,000 CHF<\/td><td>2,000 CHF<\/td><\/tr><tr><td><strong>Personalization<\/strong><\/td><td>Low (predefined profiles)<\/td><td>Automatic, but adjustable<\/td><\/tr><tr><td><strong>Active management?<\/strong><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark> <\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark> <\/td><\/tr><tr><td><strong>Human interaction?<\/strong><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark> <\/td><\/tr><tr><td><strong>Pricing<\/strong><\/td><td>between 0.50% and 0.75% per year<\/td><td>0.47% \/ year<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p>But unlike Selma, you have access to a human advisor at Alpian, which can be a real plus if you want to discuss your strategy.<\/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<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">8<\/span>\t<\/div>\t<div id=\"8-managed-by-alpian\">\t\t<h2 class=\"mt0 mb0\">Managed by Alpian: Tailored Wealth Management (from 30,000 CHF)<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Managed by Alpian<\/div>\t<\/div><\/div>\n<p>Managed by Alpian is the closest experience to a <strong>private bank<\/strong>, but without its exorbitant entry fee. Everything is managed by the investment team, which adjusts the portfolio according to market conditions and your preferences. <\/p>\n\n<p>This mandate is intended for investors who want to fully delegate the management of their assets, while having true personalization.<\/p>\n\n<p><strong>What you gain<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>100% customized management where everything is optimized.<\/li>\n\n\n\n<li>Portfolios adjusted according to market trends.<\/li>\n\n\n\n<li>Possibility to define exclusions (e.g., avoiding certain industries, excluding cryptocurrencies).<\/li>\n<\/ul>\n\n<p><strong>What you lose<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>The minimum investment of 30,000 CHF is higher.<\/li>\n\n\n\n<li>No flexibility to choose specific ETFs yourself.<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid 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a:hover{color:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg));}.gspb_text-id-gsbp-842317c{padding-left:30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-842317c\" class=\"gspb_text gspb_text-id-gsbp-842317c \"><strong>Read also:<\/strong> <a href=\"https:\/\/heyneo.ch\/en\/news\/managed-by-alpian-review\/\">Managed by Alpian: my complete review (%%currentmonth%% %%currentyear%%)<\/a>.<\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div><\/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=\"alpian-par-rapport-aux-banques-privees-de-la-place-helvetique\"><strong>Alpian compared to Swiss private banks?<\/strong><\/h3>\n\n<p><a href=\"https:\/\/heyneo.ch\/en\/news\/swiss-private-banking\/\">Compared to a private bank such as Pictet or UBS Wealth Management<\/a>, the main difference is the fees. Whereas private banks charge an <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">average of 1.32%<\/mark><\/strong> according to the <a href=\"https:\/\/www.moneyland.ch\/fr\/gestion-fortune-couts-comparaison-2024\">2024 survey by moneyland.ch<\/a> and require substantial sums, Alpian offers a much more accessible alternative.<\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Criteria<\/strong><\/td><td><strong>Managed by Alpian<\/strong><\/td><td><strong>Private Bank (Pictet, UBS Wealth)<\/strong><\/td><\/tr><tr><td><strong>Minimum investment<\/strong><\/td><td>30,000 CHF<\/td><td>500,000 CHF and +<\/td><\/tr><tr><td><strong>Active management?<\/strong><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><\/tr><tr><td><strong>Management fees<\/strong><\/td><td>between 0.50% and 0.75% per year<\/td><td>1.32% \/ year (average)<\/td><\/tr><\/tbody><\/table><\/figure>\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<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">9<\/span>\t<\/div>\t<div id=\"9-liste-etf-alpian\">\t\t<h2 class=\"mt0 mb0\">The list of ETFs available at Alpian in April 2026<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">List of ETFs Available at Alpian<\/div>\t<\/div><\/div>\n<p>The available ETFs partly depend on the selected mandate: with Managed by Alpian (discretionary management), the allocation is entirely defined by Alpian and continuously adjusted. With \u201cGuided by Alpian\u201d <a href=\"https:\/\/heyneo.ch\/en\/news\/guided-by-alpian-review\/\">active management<\/a>, you have a choice and room for adjustment based on the advice provided.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"tableau-complet-des-etf-disponibles-chez-alpian\">Complete Table of ETFs Available at Alpian<\/h3>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>List of ETFs<\/strong> <strong>at Alpian<\/strong><\/td><td><strong>ETF Type<\/strong><\/td><td><strong>ETF<\/strong><\/td><td><strong>Symbol + TER<\/strong><\/td><\/tr><tr><td><strong>Corporate Bonds<\/strong><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>USD Corporate Bond<\/td><td>US corporate bonds<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/LQDE:LON\">iShares $ Corp Bond UCITS ETF<\/a><\/td><td>LQDE &#8211;<\/td><\/tr><tr><td>Euro Corporate Bond<\/td><td>European corporate bonds<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/IECH:SWX\">iShares Core \u20ac Corp Bond ETF CHF H Acc<\/a><\/td><td>IECH 0.25%<\/td><\/tr><tr><td>Global Corporate Bond<\/td><td>Global corporate bonds<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/CORP:LON\">iShares Global Corp Bond UCITS ETF<\/a><\/td><td>CORP 0.20%<\/td><\/tr><tr><td>CHF Corporate Bond<\/td><td>Corporate bonds in Swiss francs<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/CHCORP:SWX\">UBS ETF (LU) Bloomberg Barclays CHF Corp 1-5 UCITS ETF (CHF) A-dis<\/a><\/td><td>CHCORP 0.15%<\/td><\/tr><tr><td>ESG Euro Corporate Bond<\/td><td>ESG European corporate bonds<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/SUOE:LON\">UBS ETF (LU) Bloomberg MSCI Euro Area Liquid Corporates Sustainable UCITS ETF (EUR) A-dis<\/a><\/td><td>SUOE 0.17%<\/td><\/tr><tr><td>ESG Swiss Bond Index Corporate<\/td><td>ESG Swiss corporate bonds<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/ESCB:SWX\">UBS ETF (CH) SBI\u00ae ESG Corporate UCITS ETF (CHF) A-dis<\/a><\/td><td>ESCB 0.15%<\/td><\/tr><tr><td><strong>Government Bonds<\/strong><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>Global Government Bond<\/td><td>Global government bonds<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/IGLO:LON\">iShares Global Govt Bond UCITS ETF<\/a><\/td><td>IGLO &#8211;<\/td><\/tr><tr><td>Swiss Domestic Government Bond 0-3yr<\/td><td>Short-term Swiss government bonds<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/CSBGC3:SWX\">iShares Swiss Dom Govt Bd 0-3 ETF (CH)<\/a><\/td><td>CSBGC3 0.15%<\/td><\/tr><tr><td>Swiss Domestic Government Bond 3-7yr<\/td><td>Medium-term Swiss government bonds<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/CSBGC7:SWX\">iShares Core CHF Bond ETF<\/a><\/td><td>CSBGC7 0.15%<\/td><\/tr><tr><td><strong>Emerging Markets<\/strong><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>MSCI Emerging Markets<\/td><td>Emerging market stocks<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/IEEM:LON\">iShares MSCI EM UCITS ETF USD (Dist)<\/a><\/td><td>IEEM 0.18%<\/td><\/tr><tr><td>JP Morgan USD Emerging Market Bond<\/td><td>Emerging market bonds in USD<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/IEMB:LON\">iShares J.P. Morgan USD EM Bond UCITS ETF<\/a><\/td><td>IEMB 0.50%<\/td><\/tr><tr><td>ESG Emerging Markets Corporate Bond<\/td><td>ESG emerging market corporate bonds<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/EMBE:LON\">iShares J.P. Morgan ESG $ EM Corp Bond UCITS ETF<\/a><\/td><td>EMBE 0.38%<\/td><\/tr><tr><td><strong>Global Stocks<\/strong><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>MSCI World<\/td><td>Developed global stocks<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/SWDA:LON\">iShares Core MSCI World UCITS ETF USD (Acc)<\/a><\/td><td>SWDA &#8211;<\/td><\/tr><tr><td>MSCI World CHF-H<\/td><td>Global Equities Hedged in Swiss Francs<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/IWCH:SWX\">iShares MSCI World CHF Hedged UCITS ETF<\/a><\/td><td>IWCH 0.55%<\/td><\/tr><tr><td>FTSE All-World<\/td><td>Global Equities All Countries<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/VWRD:LON\">Vanguard FTSE All-World UCITS ETF<\/a><\/td><td>VWRD 0.24%<\/td><\/tr><tr><td><strong>Regional Equities<\/strong><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>MSCI USA<\/td><td>US Large Cap Equities<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/CSPX:LON\">iShares Core S 500 UCITS ETF<\/a><\/td><td>CSPX 0.07%<\/td><\/tr><tr><td>MSCI Europe<\/td><td>European Large Cap Equities<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/IMEU:LON\">iShares Core MSCI Europe UCITS ETF EUR (Acc)<\/a><\/td><td>IMEU 0.12%<\/td><\/tr><tr><td>MSCI Japan<\/td><td>Japanese Equities<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/IJPN:LON\">iShares Core MSCI Japan IMI UCITS ETF<\/a><\/td><td>IJPN &#8211;<\/td><\/tr><tr><td>MSCI India CHF-H<\/td><td>Indian Equities Hedged in Swiss Francs<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/INIC:SWX\">iShares MSCI India CHF Hedged UCITS ETF<\/a><\/td><td>INIC 0.65%<\/td><\/tr><tr><td>MSCI Switzerland 20\/35<\/td><td>Swiss Equities with Concentration Limit<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/CHSPI:SWX\">iShares Core SPI\u00ae ETF (CH)<\/a><\/td><td>CHSPI &#8211;<\/td><\/tr><tr><td><strong>Specific Sectors<\/strong><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>MSCI World Financials<\/td><td>Global Financial Sector<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/WFIN:LON\">iShares MSCI World Financials Sector UCITS ETF<\/a><\/td><td>WFIN 0.30%<\/td><\/tr><tr><td>MSCI World Health Care<\/td><td>Global Health Care Sector<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/WHEA:LON\">iShares MSCI World Health Care Sector UCITS ETF<\/a><\/td><td>WHEA 0.25%<\/td><\/tr><tr><td>MSCI World Information Tech<\/td><td>Global Technology Sector<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/WTEC:LON\">iShares MSCI World Information Technology Sector UCITS ETF<\/a><\/td><td>WTEC 0.25%<\/td><\/tr><tr><td>MSCI World Energy<\/td><td>Global Energy Sector<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/NRGE:LON\">iShares MSCI World Energy Sector UCITS ETF<\/a><\/td><td>NRGE 0.25%<\/td><\/tr><tr><td><strong>Sustainable Themes<\/strong><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>Global Gender Equality<\/td><td>Companies Promoting Gender Equality<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/GEND:LON\">Lyxor Global Gender Equality (DR) UCITS ETF<\/a><\/td><td>GEND 0.50%<\/td><\/tr><tr><td>Environmental Impact<\/td><td>Global Clean Energy Companies<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/INRG:LON\">iShares Global Clean Energy UCITS ETF<\/a><\/td><td>INRG 0.65%<\/td><\/tr><tr><td>Clean Energy<\/td><td>Global Clean Energy Companies<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/INRG:LON\">iShares Global Clean Energy UCITS ETF<\/a><\/td><td>INRG 0.65%<\/td><\/tr><tr><td>Global Decarbonisation Enablers<\/td><td>Companies Facilitating Decarbonisation<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/CLMA:LON\">Lyxor Net Zero 2050 S Eurozone Climate PAB (DR) UCITS ETF<\/a><\/td><td>CLMA 0.65%<\/td><\/tr><tr><td>Green Bond<\/td><td>Green Bonds for Environmental Projects<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/CLIM:PAR\">Lyxor Green Bond (DR) UCITS ETF<\/a><\/td><td>CLIM 0.30%<\/td><\/tr><tr><td><strong>Cryptocurrencies and Commodities<\/strong><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>Bitcoin Core ETP<\/td><td>Bitcoin Exposure<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/BTCA:SWX\">21Shares Bitcoin Core ETP<\/a><\/td><td>BTCA 1.49%<\/td><\/tr><tr><td>Crypto Basket ETP<\/td><td>Diversified Cryptocurrency Basket<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/HODL:SWX\">21Shares Crypto Basket Index ETP<\/a><\/td><td>HODL 2.50%<\/td><\/tr><tr><td>Solana Staking ETP<\/td><td>Solana Staking Exposure<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/SLNC:SWX\">21Shares Solana Staking ETP<\/a><\/td><td>SLNC 2.50%<\/td><\/tr><tr><td>Bloomberg Commodity<\/td><td>Diversified Commodity Exposure<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/CMOD:LON\">iShares Diversified Commodity Swap UCITS ETF<\/a><\/td><td>CMOD 0.34%<\/td><\/tr><tr><td>Physical Gold<\/td><td>Physical Gold<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/SGLD:LON\">iShares Physical Gold ETC<\/a><\/td><td>SGLD 0.22%<\/td><\/tr><tr><td><strong>ESG Strategies<\/strong><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>MSCI USA Socially Responsible<\/td><td>US Socially Responsible Equities<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/SUAS:LON\">UBS ETF (LU) MSCI USA Socially Responsible UCITS ETF (USD) A-dis<\/a><\/td><td>SUAS 0.22%<\/td><\/tr><tr><td>MSCI Switzerland Socially Responsible<\/td><td>Swiss Socially Responsible Equities<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/CHSRI:SWX\">UBS ETF (CH) MSCI Switzerland IMI Socially Responsible UCITS ETF (CHF) A-dis<\/a><\/td><td>CHSRI 0.28%<\/td><\/tr><tr><td>MSCI EMU Socially Responsible<\/td><td>Eurozone Socially Responsible Equities<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/UIMM:LON\">UBS ETF (LU) MSCI EMU Socially Responsible UCITS ETF (EUR) A-dis<\/a><\/td><td>UIMM 0.22%<\/td><\/tr><tr><td><strong>Others<\/strong><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>Artificial Intelligence<\/td><td>Artificial Intelligence Companies<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/AIAI:LON\">L Artificial Intelligence UCITS ETF<\/a><\/td><td>AIAI 0.35%<\/td><\/tr><tr><td>Morningstar US Sust WidMoat<\/td><td>Sustainable US Stocks with Competitive Advantage<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/MOAT:NYSEARCA\">VanEck Morningstar US Sustainable Wide Moat UCITS ETF<\/a><\/td><td>MOAT 0.49%<\/td><\/tr><tr><td>Development Bank Bonds<\/td><td>Development Bank Bonds<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/DDBB:AMS\">iShares Development Bank Bonds UCITS ETF<\/a><\/td><td>DDBB 0.15%<\/td><\/tr><tr><td>Sustainable Development Bank Bonds CHF-H<\/td><td>Sustainable Development Bank Bonds in CHF<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/SDBCH:SWX\">UBS ETF (LU) Sustainable Development Bank Bonds UCITS ETF (hedged to CHF) A-dis<\/a><\/td><td>SDBCH &#8211;<\/td><\/tr><tr><td>Global High Yield Corporate Bond<\/td><td>Global High Yield Bonds<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/GHYU:LON\">iShares Global High Yield Corp Bond UCITS ETF<\/a><\/td><td>GHYU 0.25%<\/td><\/tr><tr><td>Global Inflation-Linked Bond<\/td><td>Global Inflation-Linked Bonds<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/IGIL:LON\">iShares Global Inflation Linked Govt Bond UCITS ETF<\/a><\/td><td>IGIL &#8211;<\/td><\/tr><tr><td>US Liquid Corporates CHF-H<\/td><td>US Corporate Bonds Hedged in CHF<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/USICH:SWX\">UBS ETF (LU) Bloomberg US Liquid Corporates 1-5 Year UCITS ETF (hedged to CHF) A-dis<\/a><\/td><td>USICH 0.16%<\/td><\/tr><tr><td>ESG J.P. Morgan Global Government Liquid Bond<\/td><td>ESG Global Government Bonds<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/GBGG:LON\">iShares J.P. Morgan ESG $ EM Bond UCITS ETF<\/a><\/td><td>GBGG 0.18%<\/td><\/tr><tr><td>FTSE Developed Asia Pacific ex Japan<\/td><td>Developed Asia Pacific ex Japan Stocks<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/VDPX:LON\">Vanguard FTSE Developed Asia Pacific ex Japan UCITS ETF<\/a><\/td><td>VDPX 0.15%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p class=\"has-small-font-size\">This view represents the latest update made by heyneo.ch. The available ETFs are constantly updated in the Alpian application where you will find the latest developments. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"la-selection-des-etf-alpian-par-theme\">Alpian&#8217;s ETF Selection by Theme<\/h3>\n<style>#gspb_row-id-gsbp-25ba475{justify-content:space-between;margin-top:0px;margin-bottom:0px;display:flex;flex-wrap:wrap;}#gspb_row-id-gsbp-25ba475 > .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-25ba475 > .gspb_row__content{max-width:1200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-row gspb_row gspb_row-id-gsbp-25ba475\" id=\"gspb_row-id-gsbp-25ba475\"><div class=\"gspb_row__content\"> <style>#gspb_col-id-gsbp-71a09a9.gspb_row__col--4{width:33.333333333333336%;}@media (max-width:575.98px){#gspb_col-id-gsbp-71a09a9.gspb_row__col--4{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--4 gspb_col-id-gsbp-71a09a9\" id=\"gspb_col-id-gsbp-71a09a9\"><style>#gspb_image-id-gsbp-b6faffd img{vertical-align:top;}#gspb_image-id-gsbp-b6faffd 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-b6faffd\" id=\"gspb_image-id-gsbp-b6faffd\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/ESG-selection-ETFs-5.jpeg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"828\" height=\"1792\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-1fabc56.gspb_row__col--4{width:33.333333333333336%;}@media (max-width:575.98px){#gspb_col-id-gsbp-1fabc56.gspb_row__col--4{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--4 gspb_col-id-gsbp-1fabc56\" id=\"gspb_col-id-gsbp-1fabc56\"><style>#gspb_image-id-gsbp-465984d img{vertical-align:top;}#gspb_image-id-gsbp-465984d 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-465984d\" id=\"gspb_image-id-gsbp-465984d\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/ESG-selection-ETFs-1.jpeg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"828\" height=\"1792\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-901dc0c.gspb_row__col--4{width:33.333333333333336%;}@media (max-width:575.98px){#gspb_col-id-gsbp-901dc0c.gspb_row__col--4{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--4 gspb_col-id-gsbp-901dc0c\" id=\"gspb_col-id-gsbp-901dc0c\"><style>#gspb_image-id-gsbp-6950c80 img{vertical-align:top;}#gspb_image-id-gsbp-6950c80 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-6950c80\" id=\"gspb_image-id-gsbp-6950c80\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/ESG-selection-ETFs-2.jpeg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"828\" height=\"1792\"><\/div>\n<\/div>\n <\/div><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">10<\/span>\t<\/div>\t<div id=\"10-frais-alpian-investissement\">\t\t<h2 class=\"mt0 mb0\">Management Fees and Investment Costs at Alpian (in Detail)<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Management Fees and Costs<\/div>\t<\/div><\/div>\n<p>Fees inevitably reduce the performance of an investment: it&#8217;s better to understand them in detail before choosing your mandate.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"entre-0-50-et-0-75-tout-compris\"><strong>Between 0.50% and 0.75%, All-Inclusive?<\/strong><\/h3>\n\n<p>Alpian applies <strong>a single management fee of between 0.50% and 0.75% per year<\/strong> on the total value of investments.<\/p>\n\n<p><strong>What is included in these fees<\/strong>:<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Portfolio management (more or less active depending on the chosen mandate).<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Access to financial advisors.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Annual tax report.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Execution of transactions without additional fees.<\/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.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.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-5bb0d58 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-5bb0d58 svg,#gspb_infoBox-id-gsbp-5bb0d58 svg path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-5bb0d58 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-5bb0d58 .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-5bb0d58 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-5bb0d58 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-5bb0d58 .gs-box{background-color:#f4b6d9;}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-5bb0d58\" id=\"gspb_infoBox-id-gsbp-5bb0d58\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 704 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M352 160c-105.88 0-192 86.12-192 192 0 17.68 14.32 32 32 32s32-14.32 32-32c0-70.6 57.44-128 128-128 17.68 0 32-14.32 32-32s-14.32-32-32-32zM192.12 918.34c0 6.3 1.86 12.44 5.36 17.68l49.020 73.68c5.94 8.92 15.94 14.28 26.64 14.28h157.7c10.72 0 20.72-5.36 26.64-14.28l49.020-73.68c3.48-5.24 5.34-11.4 5.36-17.68l0.1-86.36h-319.92l0.080 86.36zM352 0c-204.56 0-352 165.94-352 352 0 88.74 32.9 169.7 87.12 231.56 33.28 37.98 85.48 117.6 104.84 184.32v0.12h96v-0.24c-0.020-9.54-1.44-19.020-4.3-28.14-11.18-35.62-45.64-129.54-124.34-219.34-41.080-46.86-63.040-106.3-63.22-168.28-0.4-147.28 119.34-256 255.9-256 141.16 0 256 114.84 256 256 0 61.94-22.48 121.7-63.3 168.28-78.22 89.22-112.84 182.94-124.2 218.92-2.805 8.545-4.428 18.381-4.44 28.594l-0 0.006v0.2h96v-0.1c19.36-66.74 71.56-146.36 104.84-184.32 54.2-61.88 87.1-142.84 87.1-231.58 0-194.4-157.6-352-352-352z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color has-link-color wp-elements-54f969d088aac2db04d09c8cd35c84a4\">The rate is fixed, regardless of the amount invested, unlike private banks which often apply degressive fees. For comparison, Selma charges 0.47% per year and True Wealth between 0.25% and 0.50% depending on the amounts invested. <\/p>\n<\/div><\/div><\/div>\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"il-y-a-d-autre-couts-a-prendre-en-compte\"><strong>There Are Other Costs to Consider<\/strong><\/h3>\n\n<p>Even if the fees cover the overall portfolio management, other costs are added and must be taken into account.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"les-droits-de-timbre-suisses\"><strong>Swiss Stamp Duties<\/strong><\/h3>\n\n<p>Like all platforms in Switzerland, Alpian applies stamp duty on transactions:<br\/>0.075% for Swiss securities and 0.15% for foreign securities.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"les-frais-de-change\"><strong>Exchange Fees<\/strong><\/h3>\n\n<p>These are the exchange fees when investing in a currency other than Swiss francs.<\/p>\n\n<p><strong>Pricing applied at Alpian<\/strong>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>0.2% on weekdays.<\/li>\n\n\n\n<li>0.5% on weekends.<\/li>\n<\/ul>\n\n<p>During the week, these rates remain competitive:<br\/>\u2013 Yuh applies an integrated spread, between 0.5% and 1.5%, without fixed fees.<br\/>\u2013 Swissquote can go up to 1.5% depending on the currency.<br\/>\u2013 Neon uses the interbank rate but adds fees per order.<\/p>\n\n<p>The majority of Alpian portfolios are <strong>structured in CHF<\/strong>, which reduces the need for frequent conversions. Additional positive point: at Alpian, the <a href=\"https:\/\/heyneo.ch\/en\/service\/alpian-review\/\"><strong>bank account is multi-currency<\/strong><\/a>, which allows you to keep the currencies of your choice in anticipation of future investments.<\/p>\n\n<p>\ud83d\udccc There are no transaction fees at Alpian.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"les-frais-des-etf\"><strong>ETF Fees<\/strong><\/h3>\n\n<p>Alpian portfolios are built exclusively with ETFs that include internal fees called <strong>TER<\/strong> (Total Expense Ratio). On average, the selected ETFs are around <strong>0.25%<\/strong>. If we add the <strong>delegated management charged between 0.50% and 0.75%<\/strong>, we arrive at a total cost of approximately <strong>0.75% to<\/strong> <strong>1% per year<\/strong> for the investor.  <\/p>\n\n<p>\ud83d\udccc This level of fees remains reasonable for a fully managed solution, even if higher than a robo-advisor or a self-directed broker.<\/p>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">11<\/span>\t<\/div>\t<div id=\"11-comparaison-frais-alpian-investissement\">\t\t<h2 class=\"mt0 mb0\">Alpian&#8217;s Fees Compared to Other Investment Platforms in Switzerland<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Comparison of Fees with Other Platforms in Switzerland<\/div>\t<\/div><\/div>\n<p>Alpian positions itself against other solutions such as <strong>Neon Invest, Yuh<\/strong> and <strong>Selma<\/strong> which offer models with different fees.<\/p>\n\n<p><strong>Comparison of management and transaction fees:<\/strong><\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Platform<\/strong><\/td><td><strong>Management fees<\/strong><\/td><td><strong>Transaction fees<\/strong><\/td><\/tr><tr><td><strong>Alpian<\/strong><\/td><td>between 0.50% and 0.75% per year (active management, advice included)<\/td><td>Included in annual fees (excluding stamp duty and exchange fees + TER 0.25%)<\/td><\/tr><tr><td><strong><a href=\"https:\/\/heyneo.ch\/banque-en-ligne\/neon-investissement\/\">Neon Invest<\/a><\/strong><\/td><td>No management fees<\/td><td>Swiss stocks  ETFs: 0.5% per transaction<\/td><\/tr><tr><td><strong><a href=\"https:\/\/heyneo.ch\/banque-en-ligne\/neon-investissement\/\">Yuh<\/a><\/strong><\/td><td>No management fees<\/td><td>0.5% per transaction<\/td><\/tr><tr><td><strong><a href=\"https:\/\/heyneo.ch\/banque-en-ligne-suisse\/selma-article-redirection\/\">Selma<\/a><\/strong><\/td><td>0.47% \/ year<\/td><td>ETF TER (approximately 0.25%)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p><strong>Analysis:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Neon and Yuh are the least expensive, but require completely autonomous management.<\/li>\n\n\n\n<li>Selma remains slightly cheaper than Alpian, but offers no human support.<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\" id=\"alpian-est-elle-competitive-sur-les-frais\"><strong>Is Alpian competitive on fees?<\/strong><\/h3>\n\n<p><strong>Advantages:<br\/><\/strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Clear and predictable fee structure.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Cheaper than a traditional private bank.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> No per-transaction fees, unlike brokers.<\/p>\n\n<p><strong>Limitations:<br\/><\/strong>\u2718 More expensive than Neon and Yuh for self-directed investors.<br\/>\u2718 The total cost (between 0.50% and 0.75% + TER 0.25%) reaches 1%, slightly above Selma.<\/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<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">12<\/span>\t<\/div>\t<div id=\"12-simulation-frais-alpian-investissement\">\t\t<h2 class=\"mt0 mb0\">How much Does Alpian Really Cost?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Real Costs<\/div>\t<\/div><\/div>\n<h3 class=\"wp-block-heading\" id=\"faut-il-toujours-viser-les-frais-les-plus-bas\">Should We Always Aim for the Lowest Fees?<\/h3>\n\n<p>Alpian charges between 0.50% and 0.75% per annum for portfolio management, depending on the package chosen (more information on the packages offered by Alpian can be found in the \u2018fees\u2019 section of the <a href=\"https:\/\/heyneo.ch\/en\/service\/alpian-review\/\">Alpian review<\/a>). Approximately 0.25% in fees related to the selected ETFs must be added. This total cost, around 1% per annum, may seem high compared to platforms such as Neon Invest or Yuh, which do not charge any management fees.<\/p>\n\n<p>But this <strong>comparison is misleading, as we forget the nature of the service<\/strong>.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"ce-que-couvrent-les-frais-chez-alpian\">What the Fees Cover at Alpian<\/h3>\n\n<p>At Alpian, you&#8217;re not just paying for access to financial markets. You&#8217;re paying for <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">complete management<\/mark> of the portfolio<\/strong>: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Semi-active management<\/strong> driven by Alpian&#8217;s algorithm, enriched by market views from experts.<\/li>\n\n\n\n<li><strong>Automatic weekly rebalancing<\/strong> to maintain the target allocation.<\/li>\n\n\n\n<li><strong>Personalized advice<\/strong> in the \u201cGuided\u201d and \u201cManaged\u201d mandates.<\/li>\n\n\n\n<li><strong>A tailor-made allocation<\/strong>, based on the behavioral profile, not just a simple standard model.<\/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=\"l-objectif-mieux-performer-ou-eviter-les-erreurs\">The Objective: Better Performance&#8230; Or Avoiding Mistakes<\/h3>\n\n<p>Alpian doesn&#8217;t just follow an index. Each week, the allocation is adjusted according to market movements, the client&#8217;s risk tolerance, and expert convictions. The goal is not simply to replicate the market, but to <strong>intelligently adapt it to each investor<\/strong>.  <\/p>\n\n<p>Conversely, low-cost platforms apply a passive strategy or leave the client alone with their decisions. If all goes well, it works. But a bad decision, poor timing, or insufficient diversification can <strong>quickly erase the savings made on fees<\/strong>.  <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"ce-qu-il-faut-retenir\">What to Remember<\/h3>\n\n<p>Fees at Alpian are higher, but they cover a managed service, often absent from low-cost competitors. They should be considered against the potential performance gain. <br\/><br\/>The choice depends on the profile:<br\/>\u2013 If you want to <strong>manage everything yourself<\/strong>, you&#8217;ll prefer Yuh, Neon, or Guided by Alpian.<br\/>\u2013 If you&#8217;re looking for a <strong>stable, personalized, and assisted approach<\/strong>, Alpian is the most suitable.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">13<\/span>\t<\/div>\t<div id=\"13-strategie-investissement-personnalisee\">\t\t<h2 class=\"mt0 mb0\">Definition of investment strategy<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Customized investment strategy<\/div>\t<\/div><\/div>\n<h3 class=\"wp-block-heading\" id=\"definir-le-profil-de-risque-etape-1-4\">Define risk profile &#8211; step 1\/4<\/h3>\n\n<p><strong>Financial experience <\/strong>: Alpian assesses understanding of financial markets and different investment products.<\/p>\n\n<p><strong>Financial situation<\/strong>: This step allows Alpian to assess its investment capacity and propose suitable solutions.<\/p>\n\n<p><strong>Investment objectives <\/strong>: Definition of short, medium and long-term financial objectives. <\/p>\n\n<p><strong>Risk tolerance <\/strong>: the customer&#8217;s ability to withstand market fluctuations and potential losses. <\/p>\n<style>#gspb_row-id-gsbp-023d6dd{justify-content:space-between;margin-top:0px;margin-bottom:0px;display:flex;flex-wrap:wrap;}#gspb_row-id-gsbp-023d6dd > .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-023d6dd > .gspb_row__content{max-width:1200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-row gspb_row gspb_row-id-gsbp-023d6dd\" id=\"gspb_row-id-gsbp-023d6dd\"><div class=\"gspb_row__content\"> <style>#gspb_col-id-gsbp-53a1514.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-53a1514.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-53a1514\" id=\"gspb_col-id-gsbp-53a1514\"><style>#gspb_image-id-gsbp-323c66a{text-align:center;}#gspb_image-id-gsbp-323c66a img{vertical-align:top;}#gspb_image-id-gsbp-323c66a img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-323c66a img{width:250px;}#gspb_image-id-gsbp-323c66a,#gspb_image-id-gsbp-323c66a img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-323c66a,#gspb_image-id-gsbp-323c66a img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-323c66a,#gspb_image-id-gsbp-323c66a img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-323c66a,#gspb_image-id-gsbp-323c66a img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-323c66a\" id=\"gspb_image-id-gsbp-323c66a\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/11\/Alpian-etablissement-du-profile-de-risque-scaled.jpeg\" data-src=\"\" alt=\"Alpian-risk-profile-attribution1\" loading=\"lazy\" width=\"250\" height=\"2560\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-f998f4b.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-f998f4b.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-f998f4b\" id=\"gspb_col-id-gsbp-f998f4b\"><style>#gspb_image-id-gsbp-f6de9da{text-align:center;}#gspb_image-id-gsbp-f6de9da img{vertical-align:top;}#gspb_image-id-gsbp-f6de9da img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-f6de9da img{width:250px;}#gspb_image-id-gsbp-f6de9da,#gspb_image-id-gsbp-f6de9da img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-f6de9da,#gspb_image-id-gsbp-f6de9da img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-f6de9da,#gspb_image-id-gsbp-f6de9da img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-f6de9da,#gspb_image-id-gsbp-f6de9da img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-f6de9da\" id=\"gspb_image-id-gsbp-f6de9da\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/11\/Alpian-attribution-du-profile-de-risque-scaled.jpeg\" data-src=\"\" alt=\"Alpian-risk-profile-attribution\" loading=\"lazy\" width=\"250\" height=\"2560\"><\/div>\n<\/div>\n <\/div><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"creer-une-strategie-d-investissement-etape-2-4\">Create an investment strategy &#8211; step 2\/4<\/h3>\n\n<p>The investment strategy is created by going through several modules.<\/p>\n\n<p><strong>Restrictions<\/strong>: allows aligning investments with personal convictions by choosing to include or exclude certain sectors or types of investments.<\/p>\n<style>#gspb_image-id-gsbp-eb19411{text-align:center;}#gspb_image-id-gsbp-eb19411 img{vertical-align:top;}#gspb_image-id-gsbp-eb19411 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-eb19411 img{width:250px;}#gspb_image-id-gsbp-eb19411,#gspb_image-id-gsbp-eb19411 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-eb19411,#gspb_image-id-gsbp-eb19411 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-eb19411,#gspb_image-id-gsbp-eb19411 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-eb19411,#gspb_image-id-gsbp-eb19411 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-eb19411\" id=\"gspb_image-id-gsbp-eb19411\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/11\/Alpian-exclusion-de-secteurs-dinvestissement-du-portefeuille.gif\" data-src=\"\" alt=\"Alpian exclusion of investment sectors from the portfolio\" loading=\"lazy\" width=\"250\" height=\"960\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Impact Preference<\/strong>: Allows personalizing the investment portfolio based on values or preferences regarding environmental and social impact.<\/p>\n<style>#gspb_image-id-gsbp-03c10b7{text-align:center;}#gspb_image-id-gsbp-03c10b7 img{vertical-align:top;}#gspb_image-id-gsbp-03c10b7 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-03c10b7 img{width:250px;}#gspb_image-id-gsbp-03c10b7,#gspb_image-id-gsbp-03c10b7 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-03c10b7,#gspb_image-id-gsbp-03c10b7 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-03c10b7,#gspb_image-id-gsbp-03c10b7 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-03c10b7,#gspb_image-id-gsbp-03c10b7 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-03c10b7\" id=\"gspb_image-id-gsbp-03c10b7\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/11\/Alpian-preferences-dimpact-pour-les-investissements-scaled.jpeg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"250\" height=\"2560\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Strategic Allocation<\/strong>: Proposes a personalized asset allocation, optimized by experts according to your objectives and risk tolerance, for a diversified portfolio adapted to your profile.<\/p>\n<style>#gspb_image-id-gsbp-d0c6169{text-align:center;}#gspb_image-id-gsbp-d0c6169 img{vertical-align:top;}#gspb_image-id-gsbp-d0c6169 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-d0c6169 img{width:250px;}#gspb_image-id-gsbp-d0c6169,#gspb_image-id-gsbp-d0c6169 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-d0c6169,#gspb_image-id-gsbp-d0c6169 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-d0c6169,#gspb_image-id-gsbp-d0c6169 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-d0c6169,#gspb_image-id-gsbp-d0c6169 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-d0c6169\" id=\"gspb_image-id-gsbp-d0c6169\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/11\/GMP_U2F2ZUdIMDE.gif\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"250\" height=\"960\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"consulter-l-historique-de-la-performance-de-l-allocation-du-portefeuille-exposition-etape-3-4\">Consult the performance history of the portfolio allocation (exposure) &#8211; step 3\/4<\/h3>\n<style>#gspb_row-id-gsbp-e828454{justify-content:space-between;margin-top:0px;margin-bottom:0px;display:flex;flex-wrap:wrap;}#gspb_row-id-gsbp-e828454 > .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-e828454 > .gspb_row__content{max-width:1200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-row gspb_row gspb_row-id-gsbp-e828454\" id=\"gspb_row-id-gsbp-e828454\"><div class=\"gspb_row__content\"> <style>#gspb_col-id-gsbp-29a5a6b.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-29a5a6b.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-29a5a6b\" id=\"gspb_col-id-gsbp-29a5a6b\"><style>#gspb_image-id-gsbp-a04f02a{text-align:center;}#gspb_image-id-gsbp-a04f02a img{vertical-align:top;}#gspb_image-id-gsbp-a04f02a img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-a04f02a img{width:250px;}#gspb_image-id-gsbp-a04f02a,#gspb_image-id-gsbp-a04f02a img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-a04f02a,#gspb_image-id-gsbp-a04f02a img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-a04f02a,#gspb_image-id-gsbp-a04f02a img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-a04f02a,#gspb_image-id-gsbp-a04f02a img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-a04f02a\" id=\"gspb_image-id-gsbp-a04f02a\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/11\/Alpian-historique-de-performance.gif\" data-src=\"\" alt=\"Alpian performance history\" loading=\"lazy\" width=\"250\" height=\"960\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-f03d276.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-f03d276.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-f03d276\" id=\"gspb_col-id-gsbp-f03d276\"><style>#gspb_image-id-gsbp-b088cfe{text-align:center;}#gspb_image-id-gsbp-b088cfe img{vertical-align:top;}#gspb_image-id-gsbp-b088cfe img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-b088cfe img{width:250px;}#gspb_image-id-gsbp-b088cfe,#gspb_image-id-gsbp-b088cfe img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-b088cfe,#gspb_image-id-gsbp-b088cfe img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-b088cfe,#gspb_image-id-gsbp-b088cfe img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-b088cfe,#gspb_image-id-gsbp-b088cfe img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-b088cfe\" id=\"gspb_image-id-gsbp-b088cfe\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/11\/Alpian-allocation-strategique-par-pays-et-secteur-economique.gif\" data-src=\"\" alt=\"Alpian strategic allocation by country and economic sector\" loading=\"lazy\" width=\"250\" height=\"960\"><\/div>\n<\/div>\n <\/div><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"valider-le-mandat-4-4\">Validate the mandate &#8211; 4\/4<\/h3>\n\n<p>The final step is to validate (sign) the mandate directly on the phone.<\/p>\n<style>#gspb_image-id-gsbp-65d2367{text-align:center;}#gspb_image-id-gsbp-65d2367 img{vertical-align:top;}#gspb_image-id-gsbp-65d2367 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-65d2367 img{width:250px;}#gspb_image-id-gsbp-65d2367,#gspb_image-id-gsbp-65d2367 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-65d2367,#gspb_image-id-gsbp-65d2367 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-65d2367,#gspb_image-id-gsbp-65d2367 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-65d2367,#gspb_image-id-gsbp-65d2367 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-65d2367\" id=\"gspb_image-id-gsbp-65d2367\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/11\/IMG_1245-scaled.jpeg\" data-src=\"\" alt=\"Alpian management mandate for signature\" loading=\"lazy\" width=\"250\" height=\"2560\"><\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">14<\/span>\t<\/div>\t<div id=\"14-gestion-portefeuille-alpian-investissement\">\t\t<h2 class=\"mt0 mb0\">Performance and portfolio management at Alpian<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Portfolio management<\/div>\t<\/div><\/div>\n<p>Wealth management in retail banks uses a single model: they group investors into 3 or 4 predefined categories with <strong>standardized allocations<\/strong> that vary little from one client to another:<\/p>\n\n<p>&#8211; <strong>conservative<\/strong><br\/>&#8211; <strong>balanced<\/strong><br\/>&#8211; <strong>dynamic<\/strong><\/p>\n\n<p>Two people classified as &#8220;balanced&#8221; have an identical portfolio without taking into account their actual tolerance for market fluctuations.<\/p>\n\n<p>With <strong>Managed by Alpian<\/strong>, the allocation is not standardized. It is individually adjusted with an <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">infinity of possible variations<\/mark><\/strong> based on the real risk tolerance, calculated via a proprietary model inspired by behavioral finance.  <\/p>\n\n<p>With <strong>Essentials<\/strong>, the approach is simpler: you choose a profile from five risk levels, and the allocation remains fixed within this framework. It&#8217;s a more accessible model, but also less refined, which doesn&#8217;t take into account the psychological nuances specific to each investor. <\/p>\n\n<p>Two investors with the same profile may receive different allocations based on their individual risk perception, which is <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">rarely taken into account<\/mark><\/strong> in a traditional bank.<\/p>\n\n<p><strong>Concrete example<\/strong>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>In a traditional bank: two investors considered &#8220;balanced&#8221; will each receive 50% in equity funds and 50% in bond funds, with a standardized allocation.<\/li>\n\n\n\n<li>At Alpian: one might have 60% in ETFs exposed to stocks and 40% in bond ETFs, while the other might stay closer to 40% in stock ETFs and 60% in bond ETFs, depending on their risk tolerance and reaction to market fluctuations.<\/li>\n<\/ul>\n\n<div style=\"height:10px\" aria-hidden=\"true\" 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d=\"M31.31,10.89C9.18,10.89,0,23.82,0,47.13s16.39,45.87,31.31,45.87c16.46,0,31.31-22.56,31.31-45.87S56.78,10.89,31.31,10.89ZM45,76.7c-1,.58-4.57,2.3-7.8,2.86-.54.09-1.21.18-2,.24l-4.78,5.45c-.08.09-.19.15-.31.17-.06,0-.11,0-.17,0-.18-.03-.33-.16-.39-.32l-2.15-6.11c-.13-.04-.26-.07-.4-.11l-5.64,3.58c-.1.07-.23.09-.35.08-.06,0-.11-.02-.17-.05-.16-.08-.27-.24-.28-.41l-.25-6.9c-4.64-3.98-6.39-9.26-5.82-9.66.61-.41,3.39,4.85,10.44,7.98,5.28,2.34,10.4,2.36,12.08,2.31,6.27-.17,11.1-2.4,11.39-1.82.29.58-2.95,2.44-3.41,2.71ZM31.31,59.32c-10.47,0-18.95-8.04-18.95-17.96s8.49-17.96,18.95-17.96,18.95,8.04,18.95,17.96-8.49,17.96-18.95,17.96Z\"><\/path>\n    <\/g>\n  <\/g>\n<\/svg><\/div><div class=\"gs-box-text\"><style>.gspb_container-id-gsbp-8c6b86c{flex-direction:column;box-sizing:border-box;}#gspb_container-id-gsbp-8c6b86c.gspb_container > p:last-of-type{margin-bottom:0}#gspb_container-id-gsbp-8c6b86c.gspb_container{position:relative;}#gspb_container-id-gsbp-8c6b86c.gspb_container{margin-top:-30px;margin-bottom:-30px;margin-left:30px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-8c6b86c\" id=\"gspb_container-id-gsbp-8c6b86c\">\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-30ac687b4ba3d69f3c66ca41b9bb021f\"><em><strong>I&#8217;m glad to be so useful to banks<\/strong><\/em> \ud83d\ude0a<\/p>\n<cite>Neo &#8211; Unsolicited advice (as usual).<\/cite><\/blockquote>\n<\/div>\n<\/div><\/div><\/div>\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"la-fonction-d-utilite-du-client\"><strong>The client&#8217;s utility function<\/strong><\/h3>\n\n<p>Alpian&#8217;s approach uses the <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">\u201ccustomer utility function\u201d<\/mark>, a model derived from <strong>behavioral finance<\/strong> that adjusts allocation based on the customer&#8217;s actual ability to bear risk. Two theoretically similar profiles can therefore result in different allocations, which is not the case in a traditional bank where a uniform framework is applied.<\/p>\n\n<p><strong>What this changes in practice<br\/><br\/><\/strong> <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <strong>More refined risk management<\/strong>: each portfolio is adjusted to best match expectations and actual tolerance for fluctuations.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <strong>Better emotional stability<\/strong>: less risk of abandoning a strategy after a downturn, as the allocation better reflects the investor&#8217;s ability to handle market variations.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <strong>A unique positioning<\/strong>: more personalized than a robo-advisor, more structured than a completely free approach like Swissquote, and more agile than a classic private bank.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"comparaison-des-modeles-d-evaluation-du-risque\"><strong>Comparison of risk assessment models<\/strong><\/h3>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Criterion<\/strong><\/td><td><strong>Alpian<\/strong><\/td><td><strong>Retail bank<\/strong><br\/>(wealth management)<\/td><td><strong>Robo-advisor<\/strong><\/td><\/tr><tr><td><strong>Risk profile<\/strong><\/td><td>Individually adjusted according to actual tolerance<\/td><td>Fixed category (conservative, balanced, dynamic)<\/td><td>Automatic, based on a few questions<\/td><\/tr><tr><td><strong>Adaptability<\/strong><\/td><td>Portfolio modulated according to risk perception<\/td><td>Identical for all in the same category<\/td><td>Standardized, without fine adjustment<\/td><\/tr><tr><td><strong>Reassessment<\/strong><\/td><td>Regular adjustments<\/td><td>Little or no adaptation<\/td><td>Automatic but impersonal rebalancing<\/td><\/tr><tr><td><strong>Example<\/strong><\/td><td>Two &#8220;balanced&#8221; \u2192 different allocations<\/td><td>Two &#8220;balanced&#8221; \u2192 same portfolio<\/td><td>Fixed allocation according to a predefined model<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"la-methodologie-d-alpian-en-matiere-de-gestion-de-portefeuille\"><strong>Alpian&#8217;s portfolio management methodology<\/strong><\/h3>\n\n<p><strong>How is the allocation defined?<\/strong><strong><br\/><\/strong>It all starts with the detailed questionnaire that targets the risk level, financial objectives, and investment preferences. Based on this, Alpian builds an optimized portfolio taking into account several parameters: <\/p>\n\n<p><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <strong>Intelligent diversification:<\/strong> a selection of ETFs to cover different sectors and geographical areas.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <strong>Risk-return optimization:<\/strong> asset selection is based on their volatility and growth potential.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <strong>Advanced personalization<\/strong> with the possibility to <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">exclude certain investment themes<\/mark> or favor a sustainable portfolio, for example.<\/p>\n<style>#gspb_image-id-gsbp-651d039{text-align:center;}#gspb_image-id-gsbp-651d039 img{vertical-align:top;}#gspb_image-id-gsbp-651d039 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-651d039 img{width:custom;}#gspb_image-id-gsbp-651d039,#gspb_image-id-gsbp-651d039 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-651d039,#gspb_image-id-gsbp-651d039 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-651d039,#gspb_image-id-gsbp-651d039 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-651d039,#gspb_image-id-gsbp-651d039 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-651d039\" id=\"gspb_image-id-gsbp-651d039\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/construction-portefeuille-Alpian.png\" data-src=\"\" alt=\"\" loading=\"lazy\" height=\"988\"><\/div>\n\n<p class=\"has-text-align-center has-small-font-size\">Image: heyneo.ch, steps in building an investment portfolio at Alpian.<\/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-investissements-recurrents\">Recurring Investments<\/h3>\n\n<p>To simplify wealth building, Alpian also offers a recurring investment feature. Automatic contributions (e.g., monthly) can be set up for one&#8217;s portfolio, which helps to average out market entry points while investing regularly and disciplinedly. This is a practical solution for building capital over the long term, without the need to worry about market timing.  <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">15<\/span>\t<\/div>\t<div id=\"15-optimisation-alpian-investissement\">\t\t<h2 class=\"mt0 mb0\">Continuous optimization and the role of market views<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Continuous optimization and the role of market views<\/div>\t<\/div><\/div>\n<p>The work doesn&#8217;t stop at setting up the portfolio. Unlike a purely passive approach, Alpian regularly adjusts its investment strategies based on economic and financial conditions. Financial markets are constantly evolving. Some asset classes are more attractive at a given time, while others become riskier or less profitable. <strong>The <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">market views<\/mark><\/strong> produced by Alpian allow for adapting asset allocations according to these changes.   <\/p>\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.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-857f55d .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-857f55d svg,#gspb_infoBox-id-gsbp-857f55d svg path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-857f55d svg{margin:0px !important;}#gspb_infoBox-id-gsbp-857f55d .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-857f55d .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-857f55d .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-857f55d .gs-box{background-color:#f4b6d9;}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-857f55d\" id=\"gspb_infoBox-id-gsbp-857f55d\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 704 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M352 160c-105.88 0-192 86.12-192 192 0 17.68 14.32 32 32 32s32-14.32 32-32c0-70.6 57.44-128 128-128 17.68 0 32-14.32 32-32s-14.32-32-32-32zM192.12 918.34c0 6.3 1.86 12.44 5.36 17.68l49.020 73.68c5.94 8.92 15.94 14.28 26.64 14.28h157.7c10.72 0 20.72-5.36 26.64-14.28l49.020-73.68c3.48-5.24 5.34-11.4 5.36-17.68l0.1-86.36h-319.92l0.080 86.36zM352 0c-204.56 0-352 165.94-352 352 0 88.74 32.9 169.7 87.12 231.56 33.28 37.98 85.48 117.6 104.84 184.32v0.12h96v-0.24c-0.020-9.54-1.44-19.020-4.3-28.14-11.18-35.62-45.64-129.54-124.34-219.34-41.080-46.86-63.040-106.3-63.22-168.28-0.4-147.28 119.34-256 255.9-256 141.16 0 256 114.84 256 256 0 61.94-22.48 121.7-63.3 168.28-78.22 89.22-112.84 182.94-124.2 218.92-2.805 8.545-4.428 18.381-4.44 28.594l-0 0.006v0.2h96v-0.1c19.36-66.74 71.56-146.36 104.84-184.32 54.2-61.88 87.1-142.84 87.1-231.58 0-194.4-157.6-352-352-352z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color has-link-color wp-elements-e42a807249b28fffab2c946fa7350074\">During periods of high inflation, long-term bonds may become less attractive, while more targeted investments in high-growth stocks or commodities may be preferable.<\/p>\n<\/div><\/div><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>How does Alpian apply these market views?<\/strong><strong><br\/><\/strong>Alpian continuously analyzes several macroeconomic and financial indicators. Based on this, the team can overweight or underweight certain asset classes to optimize profitability: <\/p>\n\n<p><strong>Overweighting<\/strong> = if an asset class seems particularly promising, Alpian can increase its weight in the portfolio.<br\/><strong>Underweighting<\/strong> = conversely, if a sector becomes too risky or unattractive, it can be reduced in the allocation.<\/p>\n<style>#gspb_image-id-gsbp-15439b1{text-align:center;}#gspb_image-id-gsbp-15439b1 img{vertical-align:top;}#gspb_image-id-gsbp-15439b1 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-15439b1 img{width:custom;}#gspb_image-id-gsbp-15439b1,#gspb_image-id-gsbp-15439b1 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-15439b1,#gspb_image-id-gsbp-15439b1 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-15439b1,#gspb_image-id-gsbp-15439b1 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-15439b1,#gspb_image-id-gsbp-15439b1 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-15439b1\" id=\"gspb_image-id-gsbp-15439b1\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/Optimisation-continue-et-role-des-vues-de-marche-visual-selection-1.png\" data-src=\"\" alt=\"\" loading=\"lazy\" height=\"416\"><\/div>\n\n<p class=\"has-text-align-center has-small-font-size\">Image: heyneo.ch, market views are used to dynamically rebalance portfolios.<\/p>\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>What this changes in practice:<br\/><\/strong>Alpian adjusts its positions according to market conditions while remaining within a structured management. Conversely, Selma applies a totally passive management with automatic rebalancing, without taking into account economic cycles.  <\/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<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">16<\/span>\t<\/div>\t<div id=\"16-comparaison-selma-alpian-investissement\">\t\t<h2 class=\"mt0 mb0\">Comparison with a robo-advisor like Selma<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Comparison with Selma<\/div>\t<\/div><\/div>\n<p><strong>These are two opposing philosophies: active management vs. total automation<\/strong><\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Criterion<\/strong><\/td><td><strong>Alpian<\/strong><\/td><td><strong>Selma<\/strong><\/td><\/tr><tr><td><strong>Type of management<\/strong><\/td><td>Depending on mandate: delegated with dynamic model + advisors<\/td><td>100% automated<\/td><\/tr><tr><td><strong>Personalization<\/strong><\/td><td>Highly advanced (choice of sectors, sustainability, etc.)<\/td><td>Standardized<\/td><\/tr><tr><td><strong>Adjustments<\/strong><\/td><td>Market views applied to optimize returns<\/td><td>Simple automatic rebalancing<\/td><\/tr><tr><td><strong>Support<\/strong><\/td><td>Human advisors accessible<\/td><td>None, everything is managed by algorithm<\/td><\/tr><tr><td><strong>Fees<\/strong><\/td><td>between 0.50% and 0.75% + ETF costs (approx. 1% total)<\/td><td>0.47% + ETF costs (approx. 0.72% total)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"alpian-vs-selma-quelle-option-pour-quel-profil\"><strong>Alpian vs Selma, which option for which profile?<\/strong><\/h3>\n\n<p><strong>Alpian is a better option for:<\/strong><br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Investors seeking a more personalized and dynamic approach.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Those who want to benefit from human guidance and financial advice.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> People who want to have an influence on the investment strategy (choice of sectors, sustainability, etc.).<\/p>\n\n<p><strong>Selma is more suitable for:<\/strong><br\/>\u2714\ufe0e Those who want a fully automated solution with lower fees.<br\/>\u2714\ufe0e Long-term investors looking for simple and passive management.<br\/>\u2714\ufe0e Those who want to minimize their involvement and fully delegate management.<\/p>\n\n<p><strong>The difference between the two:<\/strong><br\/>Alpian stands out with a semi-active approach, which incorporates an advanced personalization model and strategic adjustments to optimize portfolios based on market conditions. On the other hand, Selma remains a simpler and more economical alternative, ideal for those seeking 100% passive management. <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">17<\/span>\t<\/div>\t<div id=\"17-securite-alpian-investissement\">\t\t<h2 class=\"mt0 mb0\">Security and regulation: what are Alpian&#8217;s real guarantees?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Security<\/div>\t<\/div><\/div>\n<p>Alpian is a <a href=\"https:\/\/heyneo.ch\/en\/service\/alpian-review\/\" type=\"product\" id=\"7103\">Swiss digital private bank<\/a>. Unlike fintech companies that operate without banking status, it has <strong>its own <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">banking license<\/mark><\/strong> <a href=\"https:\/\/www.finma.ch\/en\/~\/media\/finma\/dokumente\/bewilligungstraeger\/pdf\/beh.pdf\">issued by FINMA<\/a>.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"licence-bancaire-suisse-et-supervision-de-la-finma\"><strong>Swiss banking license and FINMA supervision<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Alpian is subject to the same regulatory requirements as traditional banks in terms of solvency, risk management, and transparency.<\/li>\n\n\n\n<li>The institution must comply with strict capital and liquidity ratios, ensuring its financial strength.<\/li>\n<\/ul>\n\n<p>Unlike trading platforms or robo-advisors operating with more flexible statuses, Alpian is a full-fledged bank.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"garantie-de-protection-des-depots\"><strong>Deposit protection guarantee<\/strong><\/h3>\n\n<p>Cash deposits with Alpian are covered up to 100,000 CHF thanks to the Swiss deposit protection mechanism.<\/p>\n\n<p><strong>Note:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>This protection applies only to deposits in CHF.<\/li>\n\n\n\n<li>Investments (ETFs, bonds, stocks) are not covered by this guarantee, as they are registered in the client&#8217;s name and belong to the clients.<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\" id=\"ou-sont-stockes-les-actifs-d-investissement\"><strong>Where are investment assets stored?<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Unlike banks that store securities with SIX (the Swiss central securities depository), Alpian uses Interactive Brokers, a trusted custody platform based outside of Switzerland.<\/li>\n\n\n\n<li>In case of any issues with Alpian, the securities remain the property of the client and can be transferred to another institution.<\/li>\n<\/ul>\n\n<p><\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">18<\/span>\t<\/div>\t<div id=\"18-concurrence-alpian-investissement\">\t\t<h2 class=\"mt0 mb0\">Alpian compared to the competition in Switzerland<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Alpian versus the competition<\/div>\t<\/div><\/div>\n<p>Compared to Alpian, platforms like <strong>Neon Invest, Yuh Invest, Swissquote<\/strong> and <strong>Selma<\/strong> offer various investment solutions, with models ranging from self-management to automated robo-advisors. So, how does Alpian compare? <\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Criteria<\/strong><\/td><td><strong>Alpian<\/strong><\/td><td><strong>Neon Invest<\/strong><\/td><td><strong>Yuh Invest<\/strong><\/td><td><strong>Swissquote<\/strong><\/td><td><strong>Selma<\/strong><\/td><\/tr><tr><td><strong>Management fees<\/strong><\/td><td>between 0.50% and 0.75%<\/td><td>0.5% \/ order<\/td><td>0.5% \/ order<\/td><td>1-1,5 %<\/td><td>0,47 %<\/td><\/tr><tr><td><strong>Minimum investment<\/strong><\/td><td>2,000 CHF<\/td><td>1 CHF<\/td><td>25 CHF<\/td><td>1,000 CHF<\/td><td>2,000 CHF<\/td><\/tr><tr><td><strong>Personalized management<\/strong><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><\/tr><tr><td><strong>Wide range of assets<\/strong><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark> (ETFs only)<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/td><\/tr><tr><td><strong>Investment deposits<\/strong><\/td><td>Interactive Brokers (outside Switzerland)<\/td><td>Switzerland<\/td><td>Switzerland<\/td><td>Switzerland<\/td><td>Interactive Brokers (outside Switzerland)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>What we can conclude:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Alpian and Selma are the only solutions offering automated management. However, Alpian adds human support, unlike Selma, which is 100% automated. <\/li>\n\n\n\n<li>Neon Invest, Yuh Invest, and Swissquote allow investing in a wider range of assets, while Alpian is limited to ETFs.<\/li>\n\n\n\n<li>Alpian and Selma store invested assets via Interactive Brokers, outside of Switzerland, while Neon, Yuh, and Swissquote keep securities in Switzerland.<\/li>\n<\/ul>\n\n<p><\/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<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">19<\/span>\t<\/div>\t<div id=\"19-recommendations-alpian-investissement\">\t\t<h2 class=\"mt0 mb0\">What Type of Investor is Alpian for?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Recommendations<\/div>\t<\/div><\/div>\n<p>Each platform caters to specific needs.<\/p>\n\n<p><strong>Alpian is suitable for:<\/strong><br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Investors seeking human support and semi-active management.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Those who want to delegate management while maintaining some strategic flexibility.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> People who prefer a structured framework rather than choosing their investments themselves.<\/p>\n\n<p><strong>Alpian is not ideal for:<\/strong><br\/>\u2718 Those who want to actively invest in stocks, bonds, or cryptocurrencies.<br\/>\u2718 Investors concerned with minimizing fees at all costs.<br\/>\u2718 Those who want their invested assets to be kept in Switzerland.<\/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 > 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.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<p><strong>Quick comparison with competitors in Switzerland:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Neon Invest and Yuh Invest<\/strong> \u2192 Ideal for <strong>self-directed investors<\/strong> who want to choose their assets and manage their own purchases and sales at reduced costs.<br\/><\/li>\n\n\n\n<li><strong>Swissquote<\/strong> \u2192 Comprehensive solution for <strong>experienced traders<\/strong>, with a wide range of assets and advanced tools, but at higher costs.<br\/><\/li>\n\n\n\n<li><strong>Selma<\/strong> \u2192 Suitable for those who want <strong>passive management with a robo-advisor<\/strong>, without human intervention and with lower fees than Alpian.<\/li>\n<\/ul>\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>#gspb_image-id-gsbp-2a39e4d{text-align:center;}#gspb_image-id-gsbp-2a39e4d img{vertical-align:top;}#gspb_image-id-gsbp-2a39e4d img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-2a39e4d img{width:custom;}#gspb_image-id-gsbp-2a39e4d,#gspb_image-id-gsbp-2a39e4d img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-2a39e4d,#gspb_image-id-gsbp-2a39e4d img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-2a39e4d,#gspb_image-id-gsbp-2a39e4d img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-2a39e4d,#gspb_image-id-gsbp-2a39e4d img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-2a39e4d\" id=\"gspb_image-id-gsbp-2a39e4d\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/Positioning-of-Competing-Investment-Platforms-\u2013-Alpian-VS.png\" data-src=\"\" alt=\"\" loading=\"lazy\" height=\"1324\"><\/div>\n\n<p class=\"has-text-align-center has-small-font-size\">Image: heyneo.ch, degree of personalization of investment platforms competing with Alpian<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\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<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">20<\/span>\t<\/div>\t<div id=\"20-conclusion-alpian-investissement\">\t\t<h2 class=\"mt0 mb0\">Conclusion: Is Alpian right for you?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Conclusion<\/div>\t<\/div><\/div>\n<p>Investing is not just about <strong>returns or fees<\/strong>. It&#8217;s also about method and trust in the tool you use. With Alpian, you delegate part of the work while maintaining influence over the investment strategy.  <\/p>\n\n<p>This positioning between self-management and expert guidance makes sense for those who want personalized follow-up without having to manage each transaction themselves. But it all depends on how you perceive your investment. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"quand-alpian-est-elle-le-bon-choix\"><strong>When is Alpian the right choice?<\/strong><\/h3>\n\n<p>If you prefer structured management with human support, Alpian offers an alternative to impersonal robo-advisors, Alpian <strong>ticks many boxes<\/strong>. You&#8217;ll find structured and adaptable management, human support, and strategies adjusted according to the market. <\/p>\n\n<p>From 10,000 CHF, Alpian allows access to more flexibility in portfolio management, with automated diversification.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"ce-qu-il-faut-savoir-ou-se-demander-si-on-hesite\"><strong>What you need to know or consider if you&#8217;re hesitating:<\/strong><\/h3>\n\n<p>Alpian is not necessarily designed for everyone. You can&#8217;t buy individual stocks, invest in cryptocurrencies, or directly invest in other asset classes. Everything is based on ETF portfolios selected by the algorithm and adjusted by Alpian&#8217;s finance specialists.  <\/p>\n\n<p>The annual fees cover the entire service, but remain higher than those of a robo-advisor like Selma (0.47%), or a broker like Neon Invest and Yuh, where costs are solely related to executed orders. Solutions like True Wealth offer more flexible automated management, but without the human guidance that Alpian offers. <\/p>\n\n<p>Finally, there&#8217;s the question of storing invested assets. Unlike Swissquote or Neon Invest, Alpian keeps securities with Interactive Brokers (outside Switzerland). Is this a real problem? <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\"><strong>Not at all<\/strong><\/mark>, but it&#8217;s a difference to consider if you absolutely want your securities to remain deposited locally.  <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"la-decision-vous-revient\"><strong>The decision is yours:<\/strong><\/h3>\n\n<p>Alpian stands out if you want to <strong>delegate intelligently<\/strong> or be guided (Guided by Alpian). In management mandates, the investment is piloted by experts, but <strong>you retain a <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">degree of control<\/mark><\/strong> through adjusting your allocation or risk level. It&#8217;s a good balance between human guidance and autonomy, without going through <a href=\"https:\/\/heyneo.ch\/en\/news\/swiss-private-banking\/\">a classic private bank<\/a>.  <\/p>\n\n<p>Conversely, if you prefer to manage your orders yourself, freely choose your securities, and minimize fees as much as possible, solutions like Neon, Yuh, or Swissquote will be more suitable.<\/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<p><a href=\"https:\/\/heyneo.ch\/en\/promo-code\/alpian\/\" type=\"post\" id=\"16333\">Alpian promo code: all the info<\/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\/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>.gspb_container-id-gsbp-121f2018-0d2f{flex-direction:column;box-sizing:border-box;}#gspb_container-id-gsbp-121f2018-0d2f.gspb_container > p:last-of-type{margin-bottom:0}#gspb_container-id-gsbp-121f2018-0d2f.gspb_container{position:relative;}<\/style>\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-121f2018-0d2f\" id=\"gspb_container-id-gsbp-121f2018-0d2f\">\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">21<\/span>\t<\/div>\t<div id=\"21-que-pensez-vous-alpian-pour-vos-investissements\">\t\t<h2 class=\"mt0 mb0\">What do you think of Alpian for your investments?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">What do you think of Alpian for your investments?<\/div>\t<\/div><\/div>\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 your investments easier? <\/li>\n\n\n\n<li>What feature would you like to customize or improve?  <\/li>\n\n\n\n<li>How did you use the consulting services offered by Alpian?<\/li>\n\n\n\n<li>Have you ever tested your Alpian advisor&#8217;s knowledge with trick questions?<\/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-06c6056{text-align:center;}#gspb_image-id-gsbp-06c6056 img{vertical-align:top;}#gspb_image-id-gsbp-06c6056 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-06c6056 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-06c6056 img{border-style:solid;border-width:18px;border-color:var(--wp--preset--color--vivid-green,#00d084);}#gspb_image-id-gsbp-06c6056 img{width:custom;}#gspb_image-id-gsbp-06c6056,#gspb_image-id-gsbp-06c6056 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-06c6056,#gspb_image-id-gsbp-06c6056 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-06c6056,#gspb_image-id-gsbp-06c6056 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-06c6056,#gspb_image-id-gsbp-06c6056 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-06c6056\" id=\"gspb_image-id-gsbp-06c6056\"><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<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<div class=\"rate_bar_wrap\"><div class=\"review-top\"><div class=\"overall-score\"><span class=\"overall r_score_8\">8.4<\/span><span class=\"overall-text\">Expert Score<\/span><\/div><div class=\"review-text\"><div><div class=\"rehub-main-font font150 fontbold mb15\">Alpian \u2013 Investment  Trading: The Main Criteria<\/div>The best online bank for investing? Alpian, the 100% digital Swiss private neobank, stands out with a unique approach. Analysis of benefits, management mandates, limits, and fees: we break down everything to save you time. Use the promo code ALPHEY when opening your account to receive 120 CHF (55 CHF with a deposit of 500 CHF, and up to 65 CHF credit on investment fees). Let's go!   <\/div><\/div><\/div><div class=\"rh-line mb10 mt10\"><\/div><div class=\"pt30 mt10\"><div class=\"rate-bar clearfix\" data-percent=\"100%\">\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-title\"><span>Investment security<\/span><\/div>\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-bar r_score_10\"><\/div>\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-percent\">10<\/div>\r\n\t\t\t\t\t\t\t<\/div><div class=\"rate-bar clearfix\" data-percent=\"91%\">\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-title\"><span>Fees<\/span><\/div>\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-bar r_score_9\"><\/div>\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-percent\">9.1<\/div>\r\n\t\t\t\t\t\t\t<\/div><div class=\"rate-bar clearfix\" data-percent=\"88%\">\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-title\"><span>Investment income<\/span><\/div>\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-bar r_score_9\"><\/div>\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-percent\">8.8<\/div>\r\n\t\t\t\t\t\t\t<\/div><div class=\"rate-bar clearfix\" data-percent=\"43%\">\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-title\"><span>Crypto-currencies<\/span><\/div>\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-bar r_score_4\"><\/div>\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-percent\">4.3<\/div>\r\n\t\t\t\t\t\t\t<\/div><div class=\"rate-bar clearfix\" data-percent=\"72%\">\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-title\"><span>Trading features<\/span><\/div>\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-bar r_score_7\"><\/div>\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-percent\">7.2<\/div>\r\n\t\t\t\t\t\t\t<\/div><div class=\"rate-bar clearfix\" data-percent=\"86%\">\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-title\"><span>Training<\/span><\/div>\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-bar r_score_9\"><\/div>\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-percent\">8.6<\/div>\r\n\t\t\t\t\t\t\t<\/div><div class=\"rate-bar clearfix\" data-percent=\"98%\">\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-title\"><span>Customer support<\/span><\/div>\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-bar r_score_10\"><\/div>\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-percent\">9.8<\/div>\r\n\t\t\t\t\t\t\t<\/div><div class=\"rate-bar clearfix\" data-percent=\"94%\">\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-title\"><span>Opening an account<\/span><\/div>\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-bar r_score_9\"><\/div>\r\n\t\t\t\t\t\t\t\t<div class=\"rate-bar-percent\">9.4<\/div>\r\n\t\t\t\t\t\t\t<\/div><\/div><div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>The best online bank for investing? Alpian, the 100% digital Swiss private neobank, stands out with a <strong>unique approach<\/strong>. Analysis of benefits, management mandates, limits, and fees: we break down everything to save you time. \ud83d\udcb0 Use the <strong>promo code<\/strong> <strong>ALPHEY<\/strong> when opening your account to <strong>receive<\/strong> <strong>120 CHF<\/strong> (55 CHF with a deposit of 500 CHF, and up to 65 CHF credit on investment fees). Let&#8217;s go!   <\/p>\n","protected":false},"author":1,"featured_media":19560,"comment_status":"open","ping_status":"closed","template":"","meta":{"_gspb_post_css":"","_lmt_disableupdate":"","_lmt_disable":""},"store":[],"product_brand":[],"product_cat":[650],"product_tag":[],"class_list":{"0":"post-13444","1":"product","2":"type-product","3":"status-publish","4":"has-post-thumbnail","6":"product_cat-investment-trading","8":"first","9":"instock","10":"shipping-taxable","11":"product-type-external"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Invest with Alpian in April 2026, get 120 CHF<\/title>\n<meta name=\"description\" content=\"Investing with Alpian in 2026: Our Complete Review. 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