{"id":19760,"date":"2025-04-12T05:28:42","date_gmt":"2025-04-12T03:28:42","guid":{"rendered":"https:\/\/heyneo.ch\/non-categorizzato\/managed-by-alpian-essentials\/"},"modified":"2026-02-08T17:57:19","modified_gmt":"2026-02-08T16:57:19","slug":"managed-by-alpian-essentials","status":"publish","type":"post","link":"https:\/\/heyneo.ch\/it\/notizie\/managed-by-alpian-essentials\/","title":{"rendered":"Managed by Alpian Essentials: il mio diario di bordo \u2013 resoconto dell&#8217;esperienza a Maggio 2026"},"content":{"rendered":"<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>[<em>Aggiornamento \u2013 10.11.2025: Presentazione delle nuove tariffe applicate ai mandati Managed by Alpian Essentials.<\/em>]<\/p>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.blue_type{color:#31708f;background-color:#d9edf7;border-color:#bcdff1}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}#gspb_infoBox-id-gsbp-d0d849bd-4f7b svg,#gspb_infoBox-id-gsbp-d0d849bd-4f7b svg path{fill:#794fee !important;}#gspb_infoBox-id-gsbp-d0d849bd-4f7b svg{margin:0px !important;}#gspb_infoBox-id-gsbp-d0d849bd-4f7b svg:hover,#gspb_infoBox-id-gsbp-d0d849bd-4f7b svg:hover path{fill:#794fee !important;}#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{border-style:solid;border-color:#794eed0d;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{border-style:null;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{border-style:null;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{border-style:solid;border-color:#794eed21;}}#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{border-left-style:none;border-left-width:nullpx;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{border-left-style:null;border-left-width:nullpx;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{border-left-style:null;border-left-width:nullpx;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{border-left-style:solid;border-left-width:10px;border-left-color:#794eedf0;}}#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{background-color:#8254ff38;}#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{color:#794fee}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-d0d849bd-4f7b\" id=\"gspb_infoBox-id-gsbp-d0d849bd-4f7b\"><div class=\"gs-box blue_type \"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M432 47.72c0-47.6-61.3-65.54-88.3-26.080-247.7 362.060 104.3 378.36 104.3 554.36 0 71.26-58.22 128.92-129.7 127.98-70.34-0.9-126.3-59.54-126.3-129.88v-171.020c0-43.4-52.94-64.46-82.86-33-53.54 56.24-109.14 152.58-109.14 269.92 0 211.74 172.26 384 384 384s384-172.26 384-384c0-340.58-336-386-336-592.28z\"><\/path><\/svg><\/div><div class=\"gs-box-text\"><style>.gspb_container-id-gsbp-d78ee73{flex-direction:column;box-sizing:border-box;}#gspb_container-id-gsbp-d78ee73.gspb_container > p:last-of-type{margin-bottom:0}#gspb_container-id-gsbp-d78ee73.gspb_container{position:relative;}#gspb_container-id-gsbp-d78ee73.gspb_container{margin-top:-30px;margin-bottom:0px;margin-left:50px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-d78ee73\" id=\"gspb_container-id-gsbp-d78ee73\">\n<p class=\"has-text-align-left\">&#8211; Recensione focalizzata sul mandato Managed by Alpian ESSENTIALS.<br\/>&#8211; Leggi la <a href=\"https:\/\/heyneo.ch\/it\/servizio\/alpian-recensione\/\" type=\"product\" id=\"7103\">recensione completa della banca Alpian<\/a>.<br\/>&#8211; <a href=\"https:\/\/heyneo.ch\/it\/confronto-tra-banche\/migliori-banche-online-svizzere\/\" type=\"post\" id=\"3912\">Confronta tutte le banche online in Svizzera<\/a> contemporaneamente.<\/p>\n<\/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<h2 class=\"wp-block-heading\" id=\"j-1-avant-de-debuter-avec-alpian-essentials\">D-1 prima di iniziare con Alpian Essentials<\/h2>\n\n<p><strong>Prima di investire con Alpian con il mandato \u201cManaged by Alpian Essentials\u201d, volevo essere sicuro di non sbagliare soluzione. 2.000 CHF di investimento minimo, \u00e8 comunque una somma considerevole. <strong>Cercavo una soluzione che mi permettesse di delegare la gestione dei miei investimenti in modo da evitare i classici errori del principiante e non dover monitorare le quotazioni di borsa in ogni momento. Il tutto a un prezzo ragionevole. Ecco la mia opinione su Managed by Alpian Essentials.  <\/strong><\/strong><\/p>\n\n<p><strong>Da dove vengo?<\/strong><\/p>\n\n<p>Innanzitutto, ho cercato le opzioni pi\u00f9 accessibili per investire in borsa. Ho notato che la scelta ricade spesso tra due tipi di piattaforme. Quelle che impongono di gestire autonomamente i propri investimenti, come Yuh, Neon e Swissquote. Permettono un controllo totale, ma richiedono impegno e una certa conoscenza per evitare errori. Al contrario, piattaforme come Alpian Essentials o Selma inquadrano e automatizzano l&#8217;investimento.    <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"managed-by-alpian-essentials-et-la-concurrence\">Managed by Alpian Essentials<strong> e dalla concorrenza?<\/strong><\/h2>\n\n<p>Una delle prime cose che mi interessava era l \u201caccessibilit\u00e0, ovvero quanto dovevi investire all\u201d inizio.<\/p>\n\n<p>Con una soglia di ingresso di 2.000 CHF, Managed by Alpian Essentials chiede la stessa cosa di Selma, ma molto <strong>di pi\u00f9 di Yuh<\/strong> o Swissquote, che ti permettono di acquistare azioni (o frazioni di azioni) singolarmente, ma per un servizio diverso.<\/p>\n\n<p>Ho poi confrontato le commissioni. Alpian applica commissioni fisse tra lo 0,50% e lo 0,75%, a seconda della formula scelta (maggiori informazioni sulle formule proposte da Alpian nel capitolo \u201ccommissioni\u201d della nostra <a href=\"https:\/\/heyneo.ch\/it\/servizio\/alpian-recensione\/\">recensione Alpian<\/a>), che coprono la gestione, l&#8217;accesso ai consulenti, il rapporto sulle performance e il rapporto fiscale di fine anno. \u00c8 nettamente <a href=\"https:\/\/heyneo.ch\/it\/notizie\/private-banking-svizzero\/\">pi\u00f9 economico rispetto alle banche private svizzere<\/a> (circa il 2%), ma non necessariamente l&#8217;opzione pi\u00f9 economica tra le soluzioni digitali:  <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Yuh non applica alcuna commissione di gestione, ma lo 0,5% su ogni transazione.<\/li>\n\n\n\n<li>Selma \u00e8 allo 0,72%, praticamente lo stesso di Alpian.<\/li>\n\n\n\n<li>Neon Invest addebita lo 0,5% sugli ETF svizzeri e l&#8217;1% sugli ETF internazionali, ma non ha commissioni di custodia.<\/li>\n<\/ul>\n\n<p>In breve, Alpian non \u00e8 l \u201copzione pi\u00f9 economica, ma c\u201d \u00e8 da aspettarselo visto che la natura del servizio \u00e8 in definitiva diversa. Ci\u00f2 che mi ha incuriosito (e poi convinto) \u00e8 stato il supporto fornito da consulenti umani, un <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">servizio raramente incluso<\/mark> nelle offerte della concorrenza. <\/p>\n\n<p><strong><strong>Quali sono i rischi di investire con Alpian Essentials?<\/strong><\/strong><\/p>\n\n<p><strong>Quali sono i tipi di investimento disponibili?<\/strong><\/p>\n\n<p><strong>Ci sono dei limiti che potrebbero essere problematici?<\/strong><\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"mes-attentes-avant-d-essayer-alpian-essentials\"><strong>Le mie aspettative prima di provare Alpian Essentials<\/strong><\/h2>\n\n<p>Per me, Alpian spuntava le caselle giuste per tentare un primo investimento: \u00e8 una banca svizzera regolamentata con accesso a consulenti. Sapevo che avrei dovuto scendere a compromessi in termini di flessibilit\u00e0 e mancanza di gestione attiva. Ma quello che volevo davvero sapere era se questi limiti avrebbero davvero influito sulla mia esperienza o se, al contrario, questa semplicit\u00e0 mi sarebbe piaciuta.<\/p>\n\n<p>C&#8217;era solo un modo per scoprirlo: <strong>aprire il mio conto e provarlo<\/strong>.<\/p>\n<style>#gspb_image-id-gsbp-4c4ec23{text-align:center;}#gspb_image-id-gsbp-4c4ec23 img{vertical-align:top;}#gspb_image-id-gsbp-4c4ec23 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-4c4ec23 img{width:250px;}#gspb_image-id-gsbp-4c4ec23,#gspb_image-id-gsbp-4c4ec23 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-4c4ec23,#gspb_image-id-gsbp-4c4ec23 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-4c4ec23,#gspb_image-id-gsbp-4c4ec23 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-4c4ec23,#gspb_image-id-gsbp-4c4ec23 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-4c4ec23\" id=\"gspb_image-id-gsbp-4c4ec23\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/Alpian-Essentials-4-Managed-by-Alpian-Essentials-selection.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"250\" height=\"2400\"><\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h1 class=\"wp-block-heading\" id=\"apres-l-inscription-mes-premieres-impressions-sur-alpian-essentials\">Dopo l&#8217;iscrizione:<strong> le mie prime impressioni<\/strong> su Alpian Essentials<\/h1>\n\n<p>Avevo gi\u00e0 installato l&#8217;applicazione sul mio cellulare e aperto il mio conto Alpian seguendo i passaggi della <a href=\"https:\/\/heyneo.ch\/it\/servizio\/alpian-recensione\/\">guida Alpian<\/a>. Avevo anche effettuato un primo versamento di CHF 2&#8217;000.- .<\/p>\n\n<p>Fin dalle prime schermate del sito <strong>Managed by Alpian Essentials <\/strong>Tutto \u00e8 chiaro e ben strutturato, senza alcun sovraccarico di informazioni. \u00c8 quello che mi aspetto se sono un investitore alle prime armi. <\/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=\"profil-de-risque-l-analyse-est-plus-fine-que-prevu\"><strong>Profilo di rischio: l&#8217;analisi \u00e8 pi\u00f9 dettagliata del previsto<\/strong><\/h3>\n\n<p>Poi c \u201cera la fase fondamentale prima dell\u201d investimento: il questionario per determinare il livello di rischio adeguato.<\/p>\n\n<p>Mi aspettavo una semplice serie di domande classiche sulla mia tolleranza al rischio (il tipo di test in cui basta spuntare le caselle e rispondere), ma <strong>l&#8217;approccio \u00e8 in realt\u00e0 pi\u00f9 approfondito<\/strong>.<\/p>\n\n<p>Non mi chiedono solo se sono a mio agio con le fluttuazioni del mercato. Le domande esplorano le mie reazioni emotive alle potenziali perdite, il mio orizzonte di investimento e la mia visione dell&#8217;assunzione di rischi a lungo termine. Vengono inoltre analizzate le mie condizioni finanziarie (reddito, risparmi, ecc.).  <\/p>\n<style>#gspb_row-id-gsbp-a1c7d2f{justify-content:space-between;margin-top:0px;margin-bottom:0px;display:flex;flex-wrap:wrap;}#gspb_row-id-gsbp-a1c7d2f > .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-a1c7d2f > .gspb_row__content{max-width:1200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-row gspb_row gspb_row-id-gsbp-a1c7d2f\" id=\"gspb_row-id-gsbp-a1c7d2f\"><div class=\"gspb_row__content\"> <style>#gspb_col-id-gsbp-4dff3df.gspb_row__col--3{width:25%;}@media (max-width:575.98px){#gspb_col-id-gsbp-4dff3df.gspb_row__col--3{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--3 gspb_col-id-gsbp-4dff3df\" id=\"gspb_col-id-gsbp-4dff3df\"><style>#gspb_image-id-gsbp-3c6f93c img{vertical-align:top;}#gspb_image-id-gsbp-3c6f93c img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-3c6f93c img{width:250px;}#gspb_image-id-gsbp-3c6f93c,#gspb_image-id-gsbp-3c6f93c img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-3c6f93c,#gspb_image-id-gsbp-3c6f93c img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-3c6f93c,#gspb_image-id-gsbp-3c6f93c img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-3c6f93c,#gspb_image-id-gsbp-3c6f93c img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-3c6f93c\" id=\"gspb_image-id-gsbp-3c6f93c\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/Alpian-Essentials-24-Risk-profile-Scenario-4.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"250\" height=\"2400\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-fa289d4.gspb_row__col--3{width:25%;}@media (max-width:575.98px){#gspb_col-id-gsbp-fa289d4.gspb_row__col--3{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--3 gspb_col-id-gsbp-fa289d4\" id=\"gspb_col-id-gsbp-fa289d4\"><style>#gspb_image-id-gsbp-c36964e img{vertical-align:top;}#gspb_image-id-gsbp-c36964e img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-c36964e img{width:250px;}#gspb_image-id-gsbp-c36964e,#gspb_image-id-gsbp-c36964e img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-c36964e,#gspb_image-id-gsbp-c36964e img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-c36964e,#gspb_image-id-gsbp-c36964e img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-c36964e,#gspb_image-id-gsbp-c36964e img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-c36964e\" id=\"gspb_image-id-gsbp-c36964e\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/Alpian-Essentials-26-Risk-profile-Scenario-6.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"250\" height=\"2400\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-7c26b22.gspb_row__col--3{width:25%;}@media (max-width:575.98px){#gspb_col-id-gsbp-7c26b22.gspb_row__col--3{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--3 gspb_col-id-gsbp-7c26b22\" id=\"gspb_col-id-gsbp-7c26b22\"><style>#gspb_image-id-gsbp-86fd111 img{vertical-align:top;}#gspb_image-id-gsbp-86fd111 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-86fd111 img{width:250px;}#gspb_image-id-gsbp-86fd111,#gspb_image-id-gsbp-86fd111 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-86fd111,#gspb_image-id-gsbp-86fd111 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-86fd111,#gspb_image-id-gsbp-86fd111 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-86fd111,#gspb_image-id-gsbp-86fd111 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-86fd111\" id=\"gspb_image-id-gsbp-86fd111\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/Alpian-Essentials-27-Risk-profile-Scenario-7.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"250\" height=\"2400\"><\/div>\n<\/div>\n <\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Si basa sui principi della <strong>finanza comportamentale<\/strong>, spiegati nella <a href=\"https:\/\/heyneo.ch\/it\/servizio\/alpian-investimenti\/\">guida all&#8217;investimento con Alpian<\/a>, con l&#8217;obiettivo di proteggermi dai miei stessi bias psicologici (ad esempio, la tendenza naturale a farsi prendere dal panico in caso di calo del mercato).<\/p>\n\n<p>Una volta completata l&#8217;operazione, mi viene automaticamente assegnato un profilo di rischio appartenente a una delle cinque categorie seguenti:<br\/><br\/>1\ufe0f\u20e3 <strong>Prudente<br\/><\/strong>2\ufe0f\u20e3 <strong>Equilibrato<br\/><\/strong>3\ufe0f\u20e3 <strong>Equilibrato-aggressivo<br\/><\/strong>4\ufe0f\u20e3 <strong>Dinamico<br\/><\/strong>5\ufe0f\u20e3 <strong>Aggressivo<\/strong><\/p>\n\n<p>L&#8217;idea \u00e8 quella di assegnarmi un portafoglio che corrisponda realmente alla mia capacit\u00e0 di sopportare le fluttuazioni del mercato e che mi impedisca di assumere pi\u00f9 rischi di quelli che <strong>posso<\/strong> <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">realmente tollerare<\/mark>.<\/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=\"mon-portefeuille-pas-de-personnalisation-mais-un-cadre-clair\"><strong>Il mio portfolio: nessuna personalizzazione, ma una struttura chiara<\/strong><\/h3>\n\n<p>Una volta determinato il mio profilo di investitore, l&#8217;app Alpian suggerisce diversi piani di investimento.<br\/><br\/>Essential investe esclusivamente in ETF, con una suddivisione tra classi di attivit\u00e0 (azioni, obbligazioni, criptovalute) definita in base al livello di rischio.<\/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-6b8555d .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-6b8555d svg,#gspb_infoBox-id-gsbp-6b8555d svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-6b8555d svg{margin:0px !important;}#gspb_infoBox-id-gsbp-6b8555d .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-6b8555d .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{background-color:#f4b6d9;}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-6b8555d\" id=\"gspb_infoBox-id-gsbp-6b8555d\"><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 1280 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M1024 768c141.38 0 256-71.64 256-160h-0.040c0-32.36 2.68-17.46-170.1-363.020-17.64-35.3-51.78-52.98-85.88-52.98-34.080 0-68.16 17.64-85.84 52.98-174.26 348.52-170.1 331.68-170.1 363.020h-0.040c0 88.36 114.62 160 256 160zM1168.5 576h-288.84c12.38-25.36 144-288 144.3-288l0.040-0.080c39.64 79.28 132.8 264.16 144.5 288.080zM260.72 356.7l262.58-87.86c18.56 19.9 42.12 34.62 68.68 43.020v680.14c0 17.68 14.32 32 32 32h432c17.68 0 32-14.32 32-32v-32c0-17.68-14.32-32-32-32h-367.98v-616.14c59.54-18.84 103.52-71.080 110.3-135.040l251.42-84.12c16.76-5.6 25.8-23.74 20.2-40.5l-10.16-30.34c-5.6-16.76-23.74-25.8-40.5-20.2l-240.32 80.42c-27.42-48.76-79.020-82.080-138.94-82.080-88.36 0-160 71.64-160 160 0 7.32 1.2 14.32 2.16 21.38l-251.9 84.28c-16.76 5.6-25.8 23.74-20.2 40.5l10.16 30.34c5.62 16.76 23.74 25.8 40.5 20.2zM576 160c0-35.28 28.72-64 64-64s64 28.72 64 64-28.72 64-64 64-64-28.7-64-64zM0 864c0 88.36 114.62 160 256 160s256-71.64 256-160h-0.040c0-32.36 2.68-17.46-170.1-363.020-17.66-35.3-51.78-52.98-85.9-52.98-34.080 0-68.16 17.64-85.84 52.98-174.24 348.52-170.080 331.68-170.080 363.020h-0.040zM111.66 832c12.38-25.36 106.86-213.12 143.74-287.94 0.060-0.020 0.26-0.060 0.58-0.060l0.040-0.080c39.64 79.28 132.8 264.16 144.5 288.080h-288.86z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color has-link-color wp-elements-1d8a25adce9f1e5b8c1661092b0c6844\">Un profilo conservativo avr\u00e0 una percentuale maggiore di obbligazioni, mentre un profilo aggressivo avr\u00e0 un&#8217;esposizione quasi del 100% alle azioni.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Quello che ho notato subito \u00e8 stata la totale mancanza di personalizzazione. \u00c8 impossibile scegliere gli ETF o modificare la mia allocazione. <br\/><br\/>A questo punto, anche se conosco il principio, non so ancora se questo sar\u00e0 un <strong>vantaggio (semplicit\u00e0)<\/strong> o una <strong>frustrazione (mancanza di controllo)<\/strong>.<\/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\n<h1 class=\"wp-block-heading\" id=\"mon-portefeuille-alpian-essentials-comment-mon-allocation-a-ete-decidee\"><strong>Il mio portafoglio Alpian Essentials: come \u00e8 stata decisa la mia allocazione<\/strong><\/h1>\n\n<h3 class=\"wp-block-heading\" id=\"le-moment-de-verite\"><strong>Il momento della verit\u00e0<\/strong><\/h3>\n\n<p>Mi ritroverei con un portafoglio troppo prudente o, al contrario, troppo rischioso?<\/p>\n<style>#gspb_image-id-gsbp-2a2aaa4{text-align:center;}#gspb_image-id-gsbp-2a2aaa4 img{vertical-align:top;}#gspb_image-id-gsbp-2a2aaa4 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-2a2aaa4 img{width:250px;}#gspb_image-id-gsbp-2a2aaa4,#gspb_image-id-gsbp-2a2aaa4 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-2a2aaa4,#gspb_image-id-gsbp-2a2aaa4 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-2a2aaa4,#gspb_image-id-gsbp-2a2aaa4 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-2a2aaa4,#gspb_image-id-gsbp-2a2aaa4 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-2a2aaa4\" id=\"gspb_image-id-gsbp-2a2aaa4\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/Alpian-Essentials-28-Risk-profile-answer-2.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"250\" height=\"2400\"><\/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\n<p>Il mio profilo di rischio \u00e8 stato impostato su &#8220;equilibrato&#8221; e sto scoprendo le diverse opzioni di investimento disponibili per comporre il mio portafoglio:  <\/p>\n\n<p>\u00c8 a questo punto che scopro che i quattro piani di investimento predefiniti <strong>non sono tutti accessibili<\/strong> per me:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Svizzero<\/strong>, con esposizione locale e fino al 60% del patrimonio in CHF.<\/li>\n\n\n\n<li><strong>Globale<\/strong>, con una diversificazione in diverse regioni e classi di attivit\u00e0.<\/li>\n\n\n\n<li><strong>Sostenibile,<\/strong> con ETF incentrati su aziende con pratiche ESG solide.<\/li>\n<\/ul>\n\n<p>Con mia &#8220;grande disperazione&#8221;, il piano di <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">Piano Globale + Crypto<\/mark><\/strong> (che include fino al 10% di attivit\u00e0 digitali, ma \u00e8 riservato ai profili pi\u00f9 rischiosi) non \u00e8 disponibile per me a causa del mio profilo di rischio &#8220;equilibrato&#8221;.<\/p>\n\n<p>Ho quindi &#8220;ripiegato&#8221; sul piano globale, che mi attraeva di pi\u00f9 per la diversificazione internazionale che cercavo.<\/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=\"une-approche-ultra-cadree-pratiquement-sans-marge-de-manoeuvre\"><strong>Un approccio altamente strutturato, con un margine di manovra praticamente nullo.<\/strong><\/h3>\n\n<p>L&#8217;applicazione mi mostra direttamente il portafoglio che mi \u00e8 stato assegnato, senza che io possa modificare nulla. Vedo la ripartizione per classi di attivit\u00e0. <\/p>\n\n<p>L&#8217;allocazione dipende interamente dal <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">mio <strong>profilo<\/strong> di rischio<\/mark>:<\/p>\n\n<p><strong>Un mix di azioni e obbligazioni<\/strong><br\/>A differenza di un profilo prudente, non ho una maggioranza di obbligazioni, ma queste rimangono presenti per stabilizzare le fluttuazioni del mercato.<\/p>\n\n<p><strong>Forte esposizione internazionale<\/strong><br\/>Nell&#8217;ambito del piano Global, i miei ETF sono diversificati in diverse regioni, con una forte presenza nei mercati sviluppati.<\/p>\n\n<p><strong>Un approccio sostenibile \u00e8 possibile<br\/><\/strong>Se mi concentrassi sui criteri ESG, potrei scegliere un portafoglio allineato a questi valori, senza modificare le allocazioni complessive.<\/p>\n<style>#gspb_row-id-gsbp-cfbb1eb{justify-content:space-between;margin-top:0px;margin-bottom:0px;display:flex;flex-wrap:wrap;}#gspb_row-id-gsbp-cfbb1eb > .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-cfbb1eb > .gspb_row__content{max-width:1200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-row gspb_row gspb_row-id-gsbp-cfbb1eb\" id=\"gspb_row-id-gsbp-cfbb1eb\"><div class=\"gspb_row__content\"> <style>#gspb_col-id-gsbp-7b38ed9.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-7b38ed9.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-7b38ed9\" id=\"gspb_col-id-gsbp-7b38ed9\"><style>#gspb_image-id-gsbp-8bc419b{text-align:center;}#gspb_image-id-gsbp-8bc419b img{vertical-align:top;}#gspb_image-id-gsbp-8bc419b img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-8bc419b img{width:250px;}#gspb_image-id-gsbp-8bc419b,#gspb_image-id-gsbp-8bc419b img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-8bc419b,#gspb_image-id-gsbp-8bc419b img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-8bc419b,#gspb_image-id-gsbp-8bc419b img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-8bc419b,#gspb_image-id-gsbp-8bc419b img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-8bc419b\" id=\"gspb_image-id-gsbp-8bc419b\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/Alpian-Essentials-37-Strategic-allocation-presentation-exposure-1.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"250\" height=\"2400\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-e2b1c60.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-e2b1c60.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-e2b1c60\" id=\"gspb_col-id-gsbp-e2b1c60\"><style>#gspb_image-id-gsbp-c11784f{text-align:center;}#gspb_image-id-gsbp-c11784f img{vertical-align:top;}#gspb_image-id-gsbp-c11784f img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-c11784f img{width:250px;}#gspb_image-id-gsbp-c11784f,#gspb_image-id-gsbp-c11784f img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-c11784f,#gspb_image-id-gsbp-c11784f img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-c11784f,#gspb_image-id-gsbp-c11784f img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-c11784f,#gspb_image-id-gsbp-c11784f img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-c11784f\" id=\"gspb_image-id-gsbp-c11784f\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/Alpian-Essentials-31-Strategic-allocation-presentation-allocation-1-1.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"250\" height=\"2400\"><\/div>\n<\/div>\n <\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Quindi, a differenza dei profili pi\u00f9 rischiosi, non ho accesso al 10% di asset digitali del piano Global + Crypto.<\/p>\n\n<p>L&#8217;equilibrio c&#8217;\u00e8: non mi sto attenendo a un modello ultra-difensivo, ma non sto nemmeno facendo scommesse troppo rischiose. Ma mi sto gi\u00e0 chiedendo se questo equilibrio sia davvero ottimale nel lungo periodo o se avrei preferito un po&#8217; pi\u00f9 di flessibilit\u00e0 nell&#8217;allocazione esatta. <\/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=\"si-vous-avez-un-autre-profil-de-risque-que-le-miens-je-vous-ai-prepare-deux-exemples-d-allocations-possibles\">Se il tuo profilo di rischio \u00e8 diverso dal mio :<\/h3>\n\n<p>Ho preparato <strong>due esempi di<\/strong> possibili <strong>indennit\u00e0<\/strong>&#8230;<\/p>\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}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-7756f35 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-7756f35 svg,#gspb_infoBox-id-gsbp-7756f35 svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-7756f35 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-7756f35 .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-7756f35 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-7756f35 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-7756f35 .gs-box{background-color:#f4b6d9;}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-7756f35\" id=\"gspb_infoBox-id-gsbp-7756f35\"><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 1024 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M256 192.672v-96.672c0-52.928-43.072-96-96-96s-96 43.072-96 96v96.672c-38.656 29.28-64 75.136-64 127.328s25.344 98.048 64 127.264v480.736c0 52.928 43.072 96 96 96s96-43.072 96-96v-480.736c38.656-29.184 64-75.072 64-127.264s-25.344-98.048-64-127.328zM128 96c0-17.696 14.304-32 32-32s32 14.304 32 32v67.2c-10.336-2.080-21.024-3.2-32-3.2s-21.664 1.12-32 3.2v-67.2zM192 928c0 17.696-14.304 32-32 32s-32-14.304-32-32v-451.264c10.336 2.144 21.024 3.264 32 3.264s21.664-1.12 32-3.264v451.264zM251.68 346.88c-0.512 1.696-0.96 3.36-1.568 5.056-3.040 8.448-6.944 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98.048 64 127.264v96.736c0 52.928 43.072 96 96 96s96-43.072 96-96v-96.736c38.624-29.184 64-75.072 64-127.264s-25.376-98.048-64-127.328zM480 96c0-17.696 14.304-32 32-32s32 14.304 32 32v451.2c-10.368-2.048-21.056-3.2-32-3.2-10.976 0-21.664 1.12-32 3.2v-451.2zM544 928c0 17.696-14.304 32-32 32s-32-14.304-32-32v-67.264c10.336 2.144 21.024 3.264 32 3.264 10.944 0 21.632-1.12 32-3.264v67.264zM603.68 730.88c-0.512 1.696-0.992 3.36-1.568 5.056-3.072 8.448-6.944 16.448-12.128 23.552-0.128 0.192-0.32 0.32-0.448 0.512-5.568 7.616-12.192 14.368-19.68 20.064-0.128 0.128-0.256 0.192-0.32 0.256-7.744 5.824-16.32 10.496-25.568 13.76-10.016 3.616-20.704 5.92-31.968 5.92-11.296 0-21.952-2.304-32-5.952-9.248-3.264-17.856-7.936-25.568-13.76-0.096-0.064-0.192-0.128-0.32-0.256-7.52-5.696-14.144-12.448-19.712-20.064-0.128-0.192-0.32-0.32-0.448-0.512-5.152-7.136-9.056-15.136-12.096-23.552-0.608-1.696-1.056-3.36-1.568-5.056-2.528-8.544-4.288-17.472-4.288-26.848 0-9.44 1.76-18.368 4.32-26.944 0.512-1.696 0.96-3.36 1.568-4.992 3.040-8.448 6.944-16.448 12.096-23.616 0.128-0.192 0.32-0.32 0.448-0.512 5.568-7.552 12.192-14.368 19.712-20.064 0.128-0.064 0.224-0.192 0.32-0.256 7.712-5.76 16.32-10.432 25.568-13.76 10.016-3.552 20.672-5.856 31.968-5.856 11.264 0 21.952 2.304 32 5.888 9.248 3.328 17.824 8 25.568 13.76 0.064 0.064 0.192 0.192 0.32 0.256 7.488 5.696 14.112 12.512 19.68 20.064 0.128 0.192 0.32 0.32 0.448 0.512 5.184 7.2 9.056 15.2 12.128 23.616 0.576 1.632 1.056 3.328 1.568 4.992 2.528 8.544 4.288 17.472 4.288 26.912 0 9.376-1.76 18.304-4.32 26.88z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color has-link-color wp-elements-ae057a7364c27c21a4085096bdd635e5\"><strong>Se il tuo profilo \u00e8 definito &#8220;prudente&#8221;,<\/strong> il tuo portafoglio sar\u00e0 composto principalmente da obbligazioni, un approccio pensato per limitare la volatilit\u00e0. Il numero di azioni verrebbe ridotto al minimo indispensabile, privilegiando la sicurezza rispetto a potenziali rendimenti pi\u00f9 elevati. <\/p>\n<\/div><\/div><\/div>\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}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-df4c329 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-df4c329 svg,#gspb_infoBox-id-gsbp-df4c329 svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) 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wp-elements-af4490e66469ed8680d1eec2cdd4b39e\">Se sei considerato un<strong> investitore &#8220;dinamico&#8221; o &#8220;aggressivo&#8221;,<\/strong> l&#8217;allocazione sar\u00e0 molto diversa. Il tuo portafoglio sar\u00e0 composto in gran parte da azioni, con l&#8217;obiettivo principale di massimizzare la performance nel lungo periodo. Avresti accesso al piano Global + Crypto, che prevede un&#8217;esposizione agli asset digitali, seppur limitata, fino al 10% del tuo portafoglio.  <\/p>\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=\"pourquoi-ces-etf-et-pas-d-autres\"><strong>Perch\u00e9 questi ETF e non altri?<\/strong><\/h3>\n\n<p>Ecco i <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">criteri di selezione dell&#8217;ETF<\/mark> Alpian Essentials:<\/p>\n\n<ol class=\"wp-block-list\">\n<li>Gli ETF devono avere una prospettiva solida per diversi anni<strong>(potenziale di crescita<\/strong>).<\/li>\n\n\n\n<li>Devono offrire rendimenti regolari e competitivi<strong>(performance storica<\/strong>).<\/li>\n\n\n\n<li>Devono offrire un equilibrio tra volatilit\u00e0 e stabilit\u00e0 del mercato<strong>(controllo del rischio<\/strong>).<\/li>\n\n\n\n<li>Devono ridurre al minimo i costi di gestione mantenendo un rendimento interessante<strong>(commissioni ridotte<\/strong>).<\/li>\n\n\n\n<li>Gli ETF devono essere facili da negoziare e offrire una chiarezza totale sulla loro composizione<strong>(liquidit\u00e0 e trasparenza<\/strong>).<\/li>\n<\/ol>\n<style>#gspb_row-id-gsbp-ad7847a{justify-content:space-between;margin-top:0px;margin-bottom:0px;display:flex;flex-wrap:wrap;}#gspb_row-id-gsbp-ad7847a > .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-ad7847a > .gspb_row__content{max-width:1200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-row gspb_row gspb_row-id-gsbp-ad7847a\" id=\"gspb_row-id-gsbp-ad7847a\"><div class=\"gspb_row__content\"> <style>#gspb_col-id-gsbp-7e8073e.gspb_row__col--4{width:33.333333333333336%;}@media (max-width:575.98px){#gspb_col-id-gsbp-7e8073e.gspb_row__col--4{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--4 gspb_col-id-gsbp-7e8073e\" id=\"gspb_col-id-gsbp-7e8073e\"><style>#gspb_image-id-gsbp-ba8c9f0 img{vertical-align:top;}#gspb_image-id-gsbp-ba8c9f0 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-ba8c9f0 img{width:250px;}#gspb_image-id-gsbp-ba8c9f0,#gspb_image-id-gsbp-ba8c9f0 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-ba8c9f0,#gspb_image-id-gsbp-ba8c9f0 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-ba8c9f0,#gspb_image-id-gsbp-ba8c9f0 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-ba8c9f0,#gspb_image-id-gsbp-ba8c9f0 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-ba8c9f0\" id=\"gspb_image-id-gsbp-ba8c9f0\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/Alpian-Essentials-33-Strategic-allocation-presentation-historical-1.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"250\" height=\"2400\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-08484ee.gspb_row__col--4{width:33.333333333333336%;}@media (max-width:575.98px){#gspb_col-id-gsbp-08484ee.gspb_row__col--4{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--4 gspb_col-id-gsbp-08484ee\" id=\"gspb_col-id-gsbp-08484ee\"><style>#gspb_image-id-gsbp-f71fd55 img{vertical-align:top;}#gspb_image-id-gsbp-f71fd55 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-f71fd55 img{width:250px;}#gspb_image-id-gsbp-f71fd55,#gspb_image-id-gsbp-f71fd55 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-f71fd55,#gspb_image-id-gsbp-f71fd55 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-f71fd55,#gspb_image-id-gsbp-f71fd55 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-f71fd55,#gspb_image-id-gsbp-f71fd55 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-f71fd55\" id=\"gspb_image-id-gsbp-f71fd55\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/Alpian-Essentials-35-Strategic-allocation-presentation-historical-3.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"250\" height=\"2400\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-f051359.gspb_row__col--4{width:33.333333333333336%;}@media (max-width:575.98px){#gspb_col-id-gsbp-f051359.gspb_row__col--4{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--4 gspb_col-id-gsbp-f051359\" id=\"gspb_col-id-gsbp-f051359\"><style>#gspb_image-id-gsbp-1514ca2 img{vertical-align:top;}#gspb_image-id-gsbp-1514ca2 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-1514ca2 img{width:250px;}#gspb_image-id-gsbp-1514ca2,#gspb_image-id-gsbp-1514ca2 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-1514ca2,#gspb_image-id-gsbp-1514ca2 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-1514ca2,#gspb_image-id-gsbp-1514ca2 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-1514ca2,#gspb_image-id-gsbp-1514ca2 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-1514ca2\" id=\"gspb_image-id-gsbp-1514ca2\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/Alpian-Essentials-36-Strategic-allocation-presentation-historical-4.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"250\" height=\"2400\"><\/div>\n<\/div>\n <\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>La cosa principale che ho notato \u00e8 che Alpian non vuole fare scommesse rischiose o offrire ETF esotici \ud83c\udfdd\ufe0f (obbligatorio). Tutto \u00e8 orientato verso una crescita stabile e a lungo termine. C&#8217;\u00e8 pochissima flessibilit\u00e0 su questo fronte.  <\/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-93b5c96 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-93b5c96 svg,#gspb_infoBox-id-gsbp-93b5c96 svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-93b5c96 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-93b5c96 .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-93b5c96 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-93b5c96 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-93b5c96 .gs-box{background-color:#f4b6d9;}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-93b5c96\" id=\"gspb_infoBox-id-gsbp-93b5c96\"><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-10899a0eb75ca8e088d197257c5aff04\">Qui troverai un elenco aggiornato di tutti gli <strong><a href=\"https:\/\/heyneo.ch\/it\/servizio\/alpian-investimenti\/#9-liste-etf-alpian\">ETF disponibili presso Alpian<\/a><\/strong>.<\/p>\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\n<h1 class=\"wp-block-heading\" id=\"les-premiers-temps-d-utilisation-d-alpian-essentials-l-experience-au-quotidien\"><strong>I primi giorni di Alpian Essentials: l&#8217;esperienza di tutti i giorni<\/strong><\/h1>\n\n<p>Dopo aver configurato il mio portafoglio, ecco come utilizzo Alpian Essentials di settimana in settimana&#8230;<\/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=\"l-interface-d-alpian-essentials-est-bien-pensee-classe-et-epuree\"><strong>L&#8217;interfaccia di Alpian Essentials \u00e8 ben studiata, elegante e senza fronzoli.<\/strong><\/h3>\n\n<p>In Essentials, ritrovo l&#8217;interfaccia minimalista che apprezzo nell&#8217;app Alpian. Gli elementi essenziali sono accessibili a colpo d&#8217;occhio: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>il valore attuale del portafoglio<\/li>\n\n\n\n<li>cambiamenti nelle prestazioni<\/li>\n\n\n\n<li>allocazione degli asset.<\/li>\n<\/ul>\n\n<p>Alpian ha scelto di limitare il numero di indicatori complessi, il che pu\u00f2 essere un vantaggio se cerchi un approccio semplice, ma pu\u00f2 anche sembrare un po&#8217; elementare per chi \u00e8 abituato a strumenti pi\u00f9 dettagliati.<\/p>\n\n<p>La<strong>scheda Esposizione<\/strong> permette di vedere facilmente in quali settori e aree geografiche \u00e8 investito il mio denaro.<\/p>\n\n<p>L&#8217;<strong>Impact Score<\/strong> fornisce un&#8217;indicazione sul livello di sostenibilit\u00e0 del mio portafoglio in base ai <a href=\"https:\/\/heyneo.ch\/it\/?page_id=14311\">criteri ESG<\/a>. \u00c8 uno strumento utile se si desidera integrare una dimensione responsabile nei propri investimenti, anche se rimane un indicatore molto generico e poco preciso.<\/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=\"le-suivi-de-performance-demande-un-peu-de-patience\"><strong>Il monitoraggio delle prestazioni richiede un po&#8217; di pazienza<\/strong><\/h3>\n\n<p>All&#8217;inizio volevo controllare regolarmente il mio portafoglio. Ma presto mi sono reso conto che su Alpian Essentials gli <strong>aggiornamenti<\/strong> non sono in tempo reale. <\/p>\n\n<p>Le prestazioni del portafoglio vengono ricalcolate solo <strong>una volta alla settimana<\/strong>. Questa scelta segue la logica di una gestione passiva, dove l&#8217;idea \u00e8 quella di evitare di reagire alle fluttuazioni a breve termine. Il portafoglio viene ribilanciato automaticamente ogni settimana per rimanere in linea con la strategia di investimento definita inizialmente.<\/p>\n\n<p>All&#8217;inizio ero un po&#8217; deluso \ud83c\udf70, perch\u00e9 volevo seguire le fluttuazioni del mercato ora per ora. Ma dopo qualche settimana mi sono abituato a questo ritmo, che corrisponde a una visione a lungo termine ed evita di cadere nella trappola di un inutile micro-tracking. <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>L&#8217;accesso ai consulenti \u00e8 interessante e non intrusivo.<\/strong><\/p>\n\n<p>Uno dei punti evidenziati da Alpian Essentials \u00e8 l&#8217;accesso ai consulenti di gestione patrimoniale, un servizio non offerto dalla maggior parte dei suoi concorrenti.<\/p>\n\n<p>Ho voluto testare questo servizio ponendo una domanda sugli ETF. Il consulente ha risposto rapidamente con una spiegazione chiara e dettagliata, <strong>senza cercare di suggerire un&#8217;offerta<\/strong> o un altro prodotto. Detto questo, i consulenti non hanno preso alcuna iniziativa. Se non li avessi contattati, non avrei avuto alcuna discussione spontanea con loro. Si ha l&#8217;impressione che il loro ruolo sia principalmente quello di fornire informazioni, non di spingere prodotti finanziari o bancari.    <\/p>\n\n<p>Per chi si aspetta un&#8217;<strong>assistenza proattiva<\/strong>, questo pu\u00f2 dare un&#8217;impressione di distanza. D&#8217;altra parte, se sai cosa vuoi e sei pronto a fare domande, <strong>il servizio \u00e8 efficace<\/strong>. <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>La mia impressione generale qualche settimana dopo<\/strong><\/p>\n\n<p>Dopo alcune settimane di utilizzo, l&#8217;esperienza \u00e8 fluida e piacevole. Strumenti come la scheda <strong>Esposizione<\/strong> e il<strong>Punteggio di impatto<\/strong> sono ottimi strumenti per comprendere il tuo portafoglio.<\/p>\n<style>#gspb_row-id-gsbp-745bd85{justify-content:space-between;margin-top:0px;margin-bottom:0px;display:flex;flex-wrap:wrap;}#gspb_row-id-gsbp-745bd85 > .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-745bd85 > .gspb_row__content{max-width:1200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-row gspb_row gspb_row-id-gsbp-745bd85\" id=\"gspb_row-id-gsbp-745bd85\"><div class=\"gspb_row__content\"> <style>#gspb_col-id-gsbp-c07d8cd.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-c07d8cd.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-c07d8cd\" id=\"gspb_col-id-gsbp-c07d8cd\"><style>#gspb_image-id-gsbp-796105c img{vertical-align:top;}#gspb_image-id-gsbp-796105c img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-796105c img{width:250px;}#gspb_image-id-gsbp-796105c,#gspb_image-id-gsbp-796105c img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-796105c,#gspb_image-id-gsbp-796105c img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-796105c,#gspb_image-id-gsbp-796105c img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-796105c,#gspb_image-id-gsbp-796105c img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-796105c\" id=\"gspb_image-id-gsbp-796105c\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/Managed-by-Alpian-Essentials-%E2%80%93-exposure-tab-1.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"250\" height=\"2400\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-7222515.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-7222515.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-7222515\" id=\"gspb_col-id-gsbp-7222515\"><style>#gspb_image-id-gsbp-8feefeb img{vertical-align:top;}#gspb_image-id-gsbp-8feefeb img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-8feefeb img{width:250px;}#gspb_image-id-gsbp-8feefeb,#gspb_image-id-gsbp-8feefeb img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-8feefeb,#gspb_image-id-gsbp-8feefeb img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-8feefeb,#gspb_image-id-gsbp-8feefeb img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-8feefeb,#gspb_image-id-gsbp-8feefeb img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-8feefeb\" id=\"gspb_image-id-gsbp-8feefeb\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/Managed-by-Alpian-Essentials-%E2%80%93-impact-score-1.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"250\" height=\"2400\"><\/div>\n<\/div>\n <\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Come ho detto, il monitoraggio delle performance solo su base settimanale pu\u00f2 sorprendere all&#8217;inizio, soprattutto se sei abituato a monitorare i tuoi investimenti in tempo reale. Ma \u00e8 una scelta coerente con la filosofia di Alpian: evitare il breve termine e favorire una gestione disciplinata. <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h1 class=\"wp-block-heading\" id=\"tester-les-limites-d-essentials-ce-qui-peut-poser-probleme\"><strong>Testare i limiti di Essentials: cosa pu\u00f2 andare storto?<\/strong><\/h1>\n\n<p>Alpian Essentials \u00e8 stato progettato per una gestione semplice e automatica. Tuttavia, dopo diverse settimane di utilizzo, ho notato alcune limitazioni per quanto riguarda gli strumenti di analisi, che possono essere frustranti <strong>se desideri avere un maggiore controllo<\/strong> sul tuo portafoglio. Dopotutto, sei quasi diventato un esperto!  <\/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}#gspb_infoBox-id-gsbp-b52412d .gs-box-text{flex-grow:1;margin:0}#gspb_infoBox-id-gsbp-b52412d .gs-box-icon{margin-left:-10px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-b52412d .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-b52412d svg{height:50px!important;width:50px!important;min-width:50px!important;}#gspb_infoBox-id-gsbp-b52412d svg,#gspb_infoBox-id-gsbp-b52412d svg path{fill:#25e8a1 !important;}#gspb_infoBox-id-gsbp-b52412d svg{margin:0px !important;}#gspb_infoBox-id-gsbp-b52412d svg:hover,#gspb_infoBox-id-gsbp-b52412d svg:hover path{fill:#25e8a1 !important;}#gspb_infoBox-id-gsbp-b52412d .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-b52412d .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea32b;}#gspb_infoBox-id-gsbp-b52412d .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-b52412d .gs-box{background-color:#eb008d0d;}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-b52412d\" id=\"gspb_infoBox-id-gsbp-b52412d\"><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 d=\"M31.31,26.97c-8.39,0-15.19,6.44-15.19,14.39s6.8,14.39,15.19,14.39,15.19-6.44,15.19-14.39-6.8-14.39-15.19-14.39ZM31.31,51.96c-6.18,0-11.19-4.74-11.19-10.6s5.01-10.6,11.19-10.6c2.9,0,5.54,1.06,7.53,2.78,1.23.39,2.12,1.43,2.26,2.69.89,1.52,1.4,3.27,1.4,5.13,0,5.85-5.01,10.6-11.19,10.6Z\"><\/path>\n      <path d=\"M41.1,36.24c-.13-1.26-1.03-2.3-2.26-2.69.9.77,1.66,1.68,2.26,2.69Z\"><\/path>\n      <path d=\"M34.42,36.55c0,1.76,1.5,3.18,3.36,3.18s3.36-1.42,3.36-3.18c0-.11-.02-.21-.03-.31-.59-1.01-1.36-1.92-2.26-2.69-.34-.11-.69-.18-1.07-.18-1.85,0-3.36,1.42-3.36,3.18Z\"><\/path>\n      <g>\n        <polygon points=\"6.27 .13 6.89 23.22 25.98 16.48 6.27 .13\"><\/polygon>\n        <polygon points=\"57.28 0 56.65 23.09 37.57 16.34 57.28 0\"><\/polygon>\n      <\/g>\n      <ellipse cx=\"31.31\" cy=\"41.37\" rx=\"18.95\" ry=\"17.96\" style=\"fill:none\"><\/ellipse>\n      <path 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-48609fd3f87699ecd7b5d8b92fb35e1e\"><em><strong>Come sono diventato un esperto?  <\/strong><\/em><br\/><em><strong>Aggiornare l&#8217;indicatore di performance in modo compulsivo come se la mia fortuna dipendesse da questo: ecco la chiave.<\/strong><\/em><\/p>\n<cite>Neo &#8211; Opinione non richiesta (come al solito).<\/cite><\/blockquote>\n<\/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=\"des-outils-d-analyse-limites\"><strong>Strumenti di analisi limitati  <\/strong><\/h3>\n\n<p>L \u201capplicazione consente di monitorare facilmente il tuo portafoglio, ma non ci sono grafici dettagliati o strumenti di analisi tecnica, il che rappresenta un limite per chi ama scavare un po\u201d pi\u00f9 a fondo nella performance dei propri investimenti.<\/p>\n\n<p>Dopo diversi mesi di utilizzo, queste limitazioni si sono rivelate cos\u00ec restrittive da mettere in discussione la mia scelta, oppure sono ancora accettabili come parte di un investimento passivo? No, non lo sono. <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"est-ce-que-je-continue-avec-alpian-essentials\"><strong>Devo continuare con Alpian Essentials?<\/strong><\/h2>\n\n<p>Dopo diversi mesi di utilizzo, Alpian Essentials fa quello che promette: una gestione senza problemi con un&#8217;applicazione piacevole e solida.<\/p>\n\n<p>Quello che mi piace \u00e8 la facilit\u00e0 d&#8217;uso. L&#8217;applicazione \u00e8 ben studiata, piacevole da usare e le informazioni sono chiare. Non ci sono complessit\u00e0 inutili, tutto \u00e8 a portata di clic.  <\/p>\n\n<p>Anche il fatto che tutto sia gestito automaticamente \u00e8 un vantaggio. Il mio portafoglio viene modificato ogni settimana, quindi non devo fare nulla. Non c&#8217;\u00e8 bisogno di monitorare il mercato o di prendere decisioni: \u00e8 un approccio davvero passivo.  <\/p>\n\n<p>L&#8217;accesso ai consulenti \u00e8 un aspetto positivo. Puoi fare domande senza costi aggiuntivi e ottenere risposte chiare. Non \u00e8 essenziale nella vita di tutti i giorni, ma \u00e8 rassicurante sapere che c&#8217;\u00e8 qualcuno in caso di bisogno.  <\/p>\n\n<p>Infine, il biglietto d&#8217;ingresso di 2.000 CHF \u00e8 accessibile rispetto ad altre <a href=\"https:\/\/heyneo.ch\/#invest\" type=\"link\" id=\"https:\/\/heyneo.ch\/#invest\">piattaforme di investimento in Svizzera<\/a>. Le commissioni comprese tra lo 0,50% e lo 0,75% vengono comunicate fin dall&#8217;inizio, senza sorprese.<\/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=\"pourquoi-envisager-de-changer\"><strong>Perch\u00e9 pensare di cambiare?<\/strong><\/h3>\n\n<p>Con il tempo, potrei anche avvertire alcune limitazioni.<\/p>\n\n<p>La pi\u00f9 evidente \u00e8 la mancanza di personalizzazione. Non puoi scegliere i tuoi ETF o modificare la tua allocazione. Devi solo seguire la struttura stabilita da Alpian, punto e basta. All&#8217;inizio questo non mi preoccupava, ma sto iniziando a sentire il bisogno di un maggiore controllo.   <\/p>\n\n<p>Anche il monitoraggio delle performance, limitato a un aggiornamento settimanale, \u00e8 un po&#8217; frustrante. Non \u00e8 un problema in s\u00e9, ma ti fa sentire scollegato dal tuo portafoglio. <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"verdict-est-ce-que-je-continue-avec-alpian-essentials\"><strong>Verdetto: continuo con Alpian Essentials?<\/strong><\/h3>\n\n<p>S\u00ec, perch\u00e9 l&#8217;approccio passivo soddisfa le mie aspettative e in questo senso il mandato Essentials svolge egregiamente il suo compito. Ma se un giorno avr\u00f2 bisogno di un maggiore controllo, cercher\u00f2 un&#8217;altra soluzione. <\/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=\"quelles-alternatives-si-je-veux-plus-de-flexibilite\"><strong>Quali sono le alternative se voglio una maggiore flessibilit\u00e0?<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/heyneo.ch\/it\/notizie\/guided-by-alpian-recensione\/\">Guided by Alpian<\/a><\/strong> vi permette di scegliere gli ETF e di ricevere un&#8217;assistenza pi\u00f9 approfondita.<\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/it\/servizio\/selma-investimenti\/\"><strong>Selma<\/strong> \u00e8 un robo-advisor<\/a> ancora pi\u00f9 automatizzato, senza alcun intervento umano.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/heyneo.ch\/it\/servizio\/neon-investimenti\/\" type=\"product\" id=\"13434\">Neon Invest<\/a><\/strong> e <strong><a href=\"https:\/\/heyneo.ch\/it\/servizio\/yuh-investimenti\/\" type=\"product\" id=\"13313\">Yuh Invest<\/a><\/strong> consentono una gestione libera con l&#8217;acquisto diretto di ETF e azioni.<\/li>\n<\/ul>\n\n<p>Se un giorno ne sentissi la necessit\u00e0, potrei tenere Alpian Essentials <strong>come investimento passivo<\/strong> e utilizzare altre opzioni per testare strategie pi\u00f9 personali.<\/p>\n\n<p>Per il momento, aspetter\u00f2 e vedr\u00f2 come si evolver\u00e0 la situazione.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"alpian-essentials-est-il-le-bon-choix-pour-vous\"><strong>Alpian Essentials \u00e8 la scelta giusta per te?<\/strong><\/h2>\n\n<p>Ora posso <strong>identificare chiaramente i punti di forza e i limiti<\/strong> di Alpian Essentials. Alcuni aspetti la rendono una buona soluzione per alcuni profili di investitori, mentre altri potrebbero essere frustrati dal suo funzionamento molto limitato. Ecco come potresti vedere Alpian Essentials:  <\/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=\"alpian-essentials-est-ideal-pour\"><strong>Alpian Essentials \u00e8 ideale per&#8230;<\/strong><\/h3>\n\n<p><strong>Principianti<\/strong>: l&#8217;applicazione \u00e8 chiara, fluida e facile da usare. Tutto \u00e8 pensato per semplificare l&#8217;investimento, senza la necessit\u00e0 di conoscenze avanzate. <\/p>\n\n<p><strong>Investitori passivi<\/strong>: se sei alla ricerca di una gestione senza impegno, Essentials fa esattamente questo. Il portafoglio viene ribilanciato ogni settimana, senza la necessit\u00e0 di agire in prima persona, con un approccio &#8220;investi e dimentica&#8221; ben eseguito. <\/p>\n\n<p>\u2714 <strong>chi vuole un supporto umano<\/strong>: a differenza di un robo-advisor tradizionale, Alpian ti permette di parlare con un consulente se ne hai bisogno. nessun upselling o vendita aggressiva, solo un supporto neutrale e accessibile. <\/p>\n\n<p>\u2714 <strong>gli investitori con un capitale modesto o intermedio<\/strong>: 2.000 CHF di capitale iniziale, \u00e8 pi\u00f9 accessibile della maggior parte dei servizi di gestione privata. Le commissioni tra lo 0,50% e lo 0,75% rimangono competitive rispetto alle banche tradizionali. <\/p>\n\n<p>\u2714 <strong>chi preferisce le soluzioni digitali<\/strong>: tutto viene gestito dall&#8217;app, senza inutili scartoffie o interazioni bancarie. si tratta di un vero e proprio servizio di gestione patrimoniale moderno e accessibile. <\/p>\n\n<p><strong>Alpian Essentials sar\u00e0 meno adatto per&#8230;<\/strong><\/p>\n\n<p>\u2718 <strong>investitori attivi<\/strong>: impossibile acquistare singole azioni, modificare l&#8217;allocazione del portafoglio o prendere decisioni di investimento. se ti piace regolare i tuoi investimenti da solo, sarai frustrato. <\/p>\n\n<p>\u2718 <strong>chi desidera una gestione pi\u00f9 dinamica<\/strong>: il portafoglio segue un approccio passivo, senza aggiustamenti tattici basati sulle notizie di mercato. nessuna ottimizzazione basata sulle opportunit\u00e0, il che potrebbe essere un freno per chi cerca maggiore flessibilit\u00e0. <\/p>\n\n<p>Gli<strong> investitori che richiedono strumenti avanzati<\/strong>: nessun strumento tecnico, nessuna esportazione di dati. il monitoraggio \u00e8 semplificato, il che pu\u00f2 andare bene per alcuni, ma limita le analisi pi\u00f9 dettagliate. <\/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\">Da leggere anche<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/heyneo.ch\/it\/notizie\/private-banking-svizzero\/\">La guida svizzera al private banking in %%currentyear%%<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/it\/servizio\/selma-investimenti\/\">Opinione e test di Selma, la piattaforma di investimento<\/a><\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"que-pensez-vous-de-alpian-essentials-pour-vos-investissements\">Cosa ne pensi di Alpian Essentials per i tuoi investimenti?<\/h2>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li>L&#8217;app. Alpian ti ha reso pi\u00f9 facile investire? <\/li>\n\n\n\n<li>Quali funzionalit\u00e0 vorresti aggiungere o migliorare?<\/li>\n\n\n\n<li>Alpian \u00e8 il tuo primo portafoglio di investimento?<\/li>\n<\/ul>\n<\/blockquote>\n\n<p><strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">Condividi la tua<\/mark> esperienza<\/strong> con tutti gli amici di Neo \ud83d\ude08<\/p>\n<style>#gspb_image-id-gsbp-0ba34eb{text-align:center;}#gspb_image-id-gsbp-0ba34eb img{vertical-align:top;}#gspb_image-id-gsbp-0ba34eb img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-0ba34eb img{border-top-left-radius:30px;border-top-right-radius:30px;border-bottom-right-radius:30px;border-bottom-left-radius:30px;}#gspb_image-id-gsbp-0ba34eb img{border-style:solid;border-width:18px;border-color:var(--wp--preset--color--vivid-green,#00d084);}#gspb_image-id-gsbp-0ba34eb img{width:custom;}#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-0ba34eb\" id=\"gspb_image-id-gsbp-0ba34eb\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/11\/CTA-commentaires-IT-court-1.gif\" data-src=\"\" alt=\"Opinioni e commenti degli utenti\" loading=\"lazy\" height=\"249\"><\/div>\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>[Aggiornamento \u2013 10.11.2025: Presentazione delle nuove tariffe applicate ai mandati Managed by Alpian Essentials.] D-1 prima di iniziare con Alpian Essentials Prima di investire con Alpian con il mandato \u201cManaged by Alpian Essentials\u201d, volevo essere sicuro di non sbagliare soluzione. 2.000 CHF di investimento minimo, \u00e8 comunque una somma considerevole. Cercavo una soluzione che mi [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":19654,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_gspb_post_css":"","_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[814],"tags":[],"dealstore":[],"offerexpiration":[],"class_list":["post-19760","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-notizie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Managed by Alpian Essentials: recensioni e test a Maggio 2026<\/title>\n<meta name=\"description\" content=\"Resoconto dell&#039;esperienza: Managed by Alpian Essentials a Maggio 2026. 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