{"id":14517,"date":"2025-01-10T00:36:47","date_gmt":"2025-01-09T23:36:47","guid":{"rendered":"https:\/\/heyneo.ch\/banques-en-ligne\/alpian-investimento-trading-analisi-opinioni\/"},"modified":"2026-05-07T11:54:18","modified_gmt":"2026-05-07T09:54:18","slug":"alpian-investimenti","status":"publish","type":"product","link":"https:\/\/heyneo.ch\/it\/servizio\/alpian-investimenti\/","title":{"rendered":"Investire con Alpian \u2013 Recensione Completa e Opinioni a Maggio 2026, ricevi 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;}#gspb_container-id-gsbp-11a7e4c.gspb_container{box-sizing:border-box;}<\/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, piattaforma di investimento svizzera\"><a class=\"gs-scrollto\" href=\"#1-pourquoi-alpian-investissement\">Alpian, piattaforma di investimento svizzera<\/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=\"Cosa distingue Alpian\"><a class=\"gs-scrollto\" href=\"#2-ce-qui-differencie-alpian\">Cosa distingue Alpian<\/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=\"L'offerta di gestione patrimoniale e di investimento di Alpian\"><a class=\"gs-scrollto\" href=\"#3-offre-gestion-fortune-investissement-alpian\">L&#8217;offerta di gestione patrimoniale e di investimento di Alpian<\/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=\"Prodotti di investimento disponibili\"><a class=\"gs-scrollto\" href=\"#4-produits-investissement-alpian-investissement\">Prodotti di investimento disponibili<\/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=\"Tre livelli di supporto\"><a class=\"gs-scrollto\" href=\"#5-mandats-alpian-investissement\">Tre livelli di supporto<\/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=\"Elenco degli ETF disponibili presso Alpian\"><a class=\"gs-scrollto\" href=\"#9-liste-etf-alpian\">Elenco degli ETF disponibili presso 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=\"Commissioni e costi di gestione\"><a class=\"gs-scrollto\" href=\"#10-frais-alpian-investissement\">Commissioni e costi di gestione<\/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=\"Tariffe a confronto con altre piattaforme in Svizzera\"><a class=\"gs-scrollto\" href=\"#11-comparaison-frais-alpian-investissement\">Tariffe rispetto ad altre piattaforme in Svizzera<\/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=\"Costi effettivi\"><a class=\"gs-scrollto\" href=\"#12-simulation-frais-alpian-investissement\">Costi effettivi<\/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=\"Strategia di investimento personalizzata\"><a class=\"gs-scrollto\" href=\"#13-strategie-investissement-personnalisee\">Strategia di investimento personalizzata<\/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=\"Gestione del portafoglio\"><a class=\"gs-scrollto\" href=\"#14-gestion-portefeuille-alpian-investissement\">Gestione del portafoglio<\/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=\"Ottimizzazione continua e ruolo delle opinioni di mercato\"><a class=\"gs-scrollto\" href=\"#15-optimisation-alpian-investissement\">Ottimizzazione continua e ruolo delle opinioni di mercato<\/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=\"Confronto con Selma\"><a class=\"gs-scrollto\" href=\"#16-comparaison-selma-alpian-investissement\">Confronto con 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=\"Sicurezza\"><a class=\"gs-scrollto\" href=\"#17-securite-alpian-investissement\">Sicurezza<\/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 e la concorrenza\"><a class=\"gs-scrollto\" href=\"#18-concurrence-alpian-investissement\">Alpian e la concorrenza<\/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=\"Raccomandazioni\"><a class=\"gs-scrollto\" href=\"#19-recommendations-alpian-investissement\">Raccomandazioni<\/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=\"Conclusione\"><a class=\"gs-scrollto\" href=\"#20-conclusion-alpian-investissement\">Conclusione<\/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=\"Cosa ne pensi di Alpian per i tuoi investimenti?\"><a class=\"gs-scrollto\" href=\"#21-que-pensez-vous-alpian-pour-vos-investissements\">Cosa ne pensi di Alpian per i tuoi investimenti?<\/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>Aggiornamento \u2013 06.02.2026: Miglioramento visibilit\u00e0 contenuti correlati (investimento con Alpian + confronto generale)<\/em>]<br\/>[<em>Aggiornamento \u2013 10.11.2025: Presentazione delle nuove tariffe applicate ai mandati Managed by Alpian.<\/em>]<br\/>[<em>Aggiornamento \u2013 23.09.2025: Presentazione della funzionalit\u00e0 di investimento ricorrente di Alpian.<\/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\">Perch\u00e9 interessarsi ad Alpian per investire nel <strong>%%currentyear%%<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Alpian, piattaforma di investimento svizzera<\/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;}#gspb_container-id-gsbp-f45d4c6.gspb_container{box-sizing:border-box;}<\/style>\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-f45d4c6\" id=\"gspb_container-id-gsbp-f45d4c6\"><\/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.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 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(max-width:767.98px){#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{background-color:#8254ff38;}}@media (max-width:575.98px){#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;}#gspb_container-id-gsbp-d78ee73.gspb_container{box-sizing:border-box;}<\/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 sull&#8217;investimento con Alpian.<br\/>&#8211; Leggi la <a href=\"https:\/\/heyneo.ch\/it\/servizio\/alpian-recensione\/\" type=\"product\" id=\"7103\">recensione completa sulla 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\n<p><strong>La prima \u201cbanca privata digitale\u201d in Svizzera incuriosisce, ma quanto vale Alpian nel %%currentyear%% realmente? \u00c8 efficace per tutti gli investitori? Esaminiamolo.  <\/strong><\/p>\n\n<p><strong>\ud83d\udcdd Lo scopo di questo avviso :<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Descrivi cosa offre Alpian e come si <strong>differenzia<\/strong> dalle altre banche.<\/li>\n\n\n\n<li><strong>Confronta<\/strong> Alpian con altre soluzioni disponibili in Svizzera.<\/li>\n\n\n\n<li><strong>Valuta<\/strong> le commissioni, le performance e i profili degli investitori per i quali \u00e8 pi\u00f9 adatto.<\/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: una banca ibrida tra banca privata, robo-advisor e broker<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Cosa distingue Alpian<\/div>\t<\/div><\/div>\n<p><strong>Gestire i propri investimenti richiede rigore<\/strong>:<strong> <\/strong>devi monitorare i mercati, prendere le decisioni giuste al momento giusto ed evitare i pregiudizi emotivi. Si pu\u00f2 fare, ma richiede tempo, conoscenze solide e una strategia chiara. <\/p>\n\n<p>Quando si parla di &#8220;gestione patrimoniale&#8221;, si pensa subito a Lombard Odier, Pictet o UBS Wealth, che si rivolgono a una clientela facoltosa con soglie d&#8217;ingresso che spesso superano i 500.000 CHF.<br\/><br\/>Al contrario, i robo-advisor come Selma rendono l&#8217;investimento accessibile a partire da poche centinaia di franchi, ma senza un reale supporto umano.<br\/><br\/>Ci sono i broker come Swissquote e le neo-banche come Yuh o Neon, che offrono un accesso diretto ai mercati o direttamente a prodotti d&#8217;investimento, ma richiedono totale autonomia nella gestione degli investimenti.<\/p>\n\n<p><strong>Alpian \u00e8 <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">una via di mezzo<\/mark><\/strong>: pi\u00f9 strutturato di un broker online, pi\u00f9 personalizzato di un robo-advisor e <a href=\"https:\/\/heyneo.ch\/it\/notizie\/private-banking-svizzero\/\">meno costoso di una banca privata tradizionale<\/a>.<\/p>\n\n<p><strong>Alpian si avvicina a una banca privata, ma con un approccio molto pi\u00f9 accessibile<\/strong>: si pu\u00f2 aprire un mandato a partire da 2.000 CHF (contro diverse centinaia di migliaia in una banca tradizionale). Si distingue dai robo-advisor come Selma per un&#8217;assistenza reale, ma mantiene un approccio algoritmico per ottimizzare le allocazioni. E a differenza dei broker, non si scelgono direttamente le proprie azioni: tutto \u00e8 gestito tramite portafogli ottimizzati.  <\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Criteri<\/strong><\/td><td><strong>Private banking<\/strong><\/td><td><strong>Alpian<\/strong><\/td><td><strong>Neon Invest<\/strong><\/td><td><strong><\/strong><strong>Investire<\/strong><\/td><td><strong><\/strong><strong>Selma<\/strong><\/td><td><strong>Citazioni svizzere<\/strong><\/td><\/tr><tr><td><strong>Approccio<\/strong><\/td><td>Private banking classico<\/td><td>Private banking digitale<\/td><td>Trading di azioni ed ETF<\/td><td>Trading di azioni ed ETF<\/td><td>Robo-advisor<\/td><td>Broker a servizio completo<\/td><\/tr><tr><td><strong>Gestione delegata  <\/strong><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Gestito da un consulente<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Gestito da 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> Automatico, senza possibilit\u00e0 di regolazione<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Gestione libera<\/td><\/tr><tr><td><strong>Consigli personali<\/strong><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <br\/>Umano<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <br\/>Umano<\/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> Automatizzato<\/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>Ampia scelta di beni?<\/strong><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> (azioni, obbligazioni, ecc.)<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark> (solo ETF)<\/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> (Portafoglio ETF non personalizzabile)<\/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>Commissioni di gestione<\/strong><\/td><td>1,32% (media) \/ anno<\/td><td>tra lo 0,50% e lo 0,75% all&#8217;anno, a seconda della formula scelta, tutte le spese incluse<\/td><td>0,5% \/ ordine<\/td><td>0,5% \/ ordine<\/td><td>0,47% \/ anno<\/td><td>1-1,5 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p><br\/>Alpian distingue le sue offerte con due livelli di servizio. Il <strong>pacchetto Standard<\/strong> propone una tariffa fissa dello <strong>0,75% all&#8217;anno<\/strong>, applicabile a tutte le strategie di investimento disponibili. <\/p>\n\n<p>D&#8217;altra parte, l&#8217;opzione <strong>Signature<\/strong> \u00e8 pensata per i clienti con un patrimonio pi\u00f9 consistente: \u00e8 necessario <strong>investire un minimo di 150.000 CHF<\/strong>, oppure <strong>investire 1.000 CHF ogni mese<\/strong> per beneficiarne. In questo caso, le commissioni diminuiscono progressivamente in base all&#8217;importo gestito: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Fino a 300.000 CHF: <strong>0,69%<\/strong><\/li>\n\n\n\n<li>Tra 300.000 CHF e 500.000 CHF: <strong>0,60%<\/strong><\/li>\n\n\n\n<li>Oltre 500.000 CHF: <strong>0,50%<\/strong><\/li>\n<\/ul>\n\n<p>In ogni caso, <strong>nessun costo aggiuntivo<\/strong> viene applicato: n\u00e9 commissioni di transazione, n\u00e9 spese di custodia, tutto \u00e8 integrato nella percentuale annuale.<\/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;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-8e4d87e .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-8e4d87e .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#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-8165a6b90ec7ba9f1016307140536e17\"><em>Un investitore che cerca soprattutto di minimizzare i costi potrebbe preferire Neon Invest o Yuh, mentre un investitore che desidera che <br\/>si occupi della gestione dei suoi investimenti a un prezzo accessibile potrebbe rivolgersi ad Alpian. Ma dipende anche dalle aspettative in termini di personalizzazione e monitoraggio. <\/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>Chi c&#8217;\u00e8 dietro Alpian?<\/strong><\/h3>\n\n<p>Alpian \u00e8 stata fondata nel 2019, ma non \u00e8 un attore isolato: fa parte del gruppo <a href=\"https:\/\/group.intesasanpaolo.com\/en\/\">Intesa Sanpaolo<\/a>, una delle pi\u00f9 grandi banche europee.<\/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\">3<\/span>\t<\/div>\t<div id=\"3-offre-gestion-fortune-investissement-alpian\">\t\t<h2 class=\"mt0 mb0\">Modelli di business: come investe Alpian il tuo denaro?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">L&#8217;offerta di gestione patrimoniale e di investimento di Alpian<\/div>\t<\/div><\/div>\n<p>Questa \u00e8 una <strong>decisione fondamentale<\/strong> quando scegliamo di investire: vogliamo essere totalmente autonomi o preferiamo che sia un manager a gestire i nostri investimenti?<\/p>\n\n<p>Esistono tre livelli di supporto:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Un portafoglio chiavi in mano<\/strong> con strategie di investimento predefinite.<\/li>\n\n\n\n<li><strong>Supportare con raccomandazioni<\/strong>, mantenendo il controllo sulle decisioni.<\/li>\n\n\n\n<li><strong>Gestione completamente discrezionale<\/strong>, in cui le decisioni di investimento sono completamente delegate.<\/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>Mandati di investimento di Alpian<\/strong><\/h3>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Mandato<\/strong><\/td><td><strong>Descrizione<\/strong><\/td><td><strong>Soglia di ingresso<\/strong><\/td><td><strong>Autonomia del cliente<\/strong><\/td><td><strong>Livello di personalizzazione<\/strong><\/td><\/tr><tr><td><strong>Managed by Alpian Essentials<\/strong><\/td><td>Portafoglio chiavi in mano con profili di rischio predefiniti<\/td><td>CHF 2.000<\/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>Gli investitori prendono decisioni basate sulle raccomandazioni di Alpian<\/td><td>CHF 10.000<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <\/td><td>Moderato<\/td><\/tr><tr><td><strong>Managed by Alpian<\/strong><\/td><td>Gestione personalizzata da parte degli esperti Alpian<\/td><td>CHF 30.000<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark> <\/td><td>Molto alto<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p>A differenza dei robo-advisor, che applicano un modello completamente automatizzato, Alpian <strong>integra una dimensione umana<\/strong> nel cuore del processo, all&#8217;interno dell&#8217;applicazione: puoi parlare con un gestore e adattare la tua strategia quando vuoi.<\/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\">4<\/span>\t<\/div>\t<div id=\"4-produits-investissement-alpian-investissement\">\t\t<h2 class=\"mt0 mb0\">Prodotti di investimento disponibili presso Alpian<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Prodotti di investimento disponibili<\/div>\t<\/div><\/div>\n<p>Su Alpian non sceglierai ogni titolo manualmente, come fai su Swissquote: tutto si basa su un&#8217;allocazione predefinita, ottimizzata in base al tuo profilo. Investi attraverso una selezione di <strong>45 ETF<\/strong> gestiti automaticamente. <br\/><br\/>\ud83d\udca1 Un <strong>ETF<\/strong> (Exchange-Traded Fund) \u00e8 un fondo quotato che combina diversi titoli, come azioni o obbligazioni, in un unico prodotto. L&#8217;idea \u00e8 quella di <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">diversificare gli<\/mark> investimenti mantenendo bassi i costi. Alcuni ETF seguono gli indici del mercato azionario globale, mentre altri forniscono un&#8217;esposizione a temi specifici come l&#8217;energia pulita, la tecnologia o persino i cripto-asset attraverso prodotti quotati.  <\/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;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-f317c14 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-f317c14 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#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-4d5ffe0de849256fe73ce4a5fe139f50\">Non puoi acquistare direttamente le singole azioni. Gli ETF includono aziende come Tesla o Nestl\u00e9, ma non puoi selezionare azioni specifiche n\u00e9 regolare liberamente la loro allocazione. Per un approccio pi\u00f9 flessibile, Swissquote o Yuh offrono una maggiore personalizzazione.  <\/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\">Criptovalute: esposizione controllata senza gestione diretta<\/h3>\n\n<p>Gli <strong>investimenti in criptovalute<\/strong> presso Alpian vengono effettuati esclusivamente tramite <strong>ETF specializzati<\/strong>, come il <a href=\"https:\/\/www.google.com\/finance\/quote\/CBTC:SWX\">21Shares Bitcoin Core ETP<\/a>. Nessun acquisto diretto, nessun portafoglio, nessuna gestione delle chiavi private: tutto \u00e8 integrato nel quadro di investimento standard. <\/p>\n\n<p>\u00c8 un modello che riduce il rischio, ma anche la libert\u00e0 di azione. A differenza di Yuh, dove puoi acquistare direttamente Bitcoin o Ethereum, qui non puoi entrare e uscire dal mercato a tuo piacimento. <\/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\">Nessun investimento diretto in azioni, materie prime o private equity.<\/h3>\n\n<p>In Alpian non puoi investire direttamente in singole azioni, materie prime o private equity. Tutto \u00e8 inquadrato in una strategia standardizzata che pu\u00f2 essere modificata solo entro certi limiti. <\/p>\n\n<p>Se cerchi una maggiore flessibilit\u00e0 nella gestione del tuo portafoglio, Swissquote e Yuh ti permettono di acquistare e vendere titoli liberamente. Con Alpian, segui un&#8217;allocazione definita fin dall&#8217;inizio, senza la possibilit\u00e0 di modificarla individualmente. <\/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\">I mandati di investimento di Alpian: tre livelli di supporto<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Tre livelli di supporto<\/div>\t<\/div><\/div>\n<p><strong>Quanto vuoi essere coinvolto nella gestione del tuo portafoglio?<\/strong> C&#8217;\u00e8 chi vuole delegare tutto, chi preferisce mantenere il controllo pur essendo affiancato e chi invece cerca una soluzione completamente automatizzata. Alpian propone tre tipi di accompagnamento, ciascuno con un diverso grado di flessibilit\u00e0:<\/p>\n\n<p>Con <strong><em><a href=\"https:\/\/heyneo.ch\/it\/notizie\/managed-by-alpian-essentials\/\">Managed by Alpian Essentials<\/a><\/em><\/strong>tutto \u00e8 automatizzato e l&#8217;investitore segue una strategia fissa, senza possibilit\u00e0 di aggiustamenti (a parte il ribilanciamento settimanale).  <\/p>\n\n<p><strong><em><a href=\"https:\/\/heyneo.ch\/it\/notizie\/managed-by-alpian-recensione\/\">Managed by Alpian<\/a><\/em><\/strong> offre una gestione pi\u00f9 adatta al profilo di rischio, ma senza interventi manuali.<\/p>\n\n<p>Solo il mandato <strong><em><a href=\"https:\/\/heyneo.ch\/it\/notizie\/guided-by-alpian-recensione\/\">Guided by Alpian<\/a><\/em><\/strong> consente un certo controllo, con un margine del \u00b110% sulla ripartizione degli attivi e la possibilit\u00e0 di scegliere i propri ETF tra una selezione prestabilita. Un approccio che inquadra la personalizzazione, lasciando pi\u00f9 libert\u00e0 rispetto a un robo-advisor come Selma, ma meno rispetto a un broker come Swissquote, dove ogni scelta spetta all&#8217;investitore. <\/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-030e076d49aee3cadd7a8b9c216846f3\">Immagine : heyneo.ch<\/p>\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Ci\u00f2 che cambia \u00e8 il grado di personalizzazione e di autonomia lasciato all&#8217;investitore (che spieghiamo nella prossima sezione).<\/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 gestione passiva (da CHF 2.000)<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Managed by Alpian Essentials<\/div>\t<\/div><\/div>\n<p>\u00c8 la porta d&#8217;ingresso di Alpian, per gli investitori che vogliono <strong>iniziare a prendere la temperatura<\/strong>\ud83c\udf21\ufe0f. Quando si inizia o si cerca una soluzione di investimento chiavi in mano, \u00e8 rassicurante avere un portafoglio gi\u00e0 strutturato senza doversi occupare della ripartizione degli asset. Questo \u00e8 il principio di 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 Versione HD\" loading=\"lazy\" width=\"250\" height=\"1583\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Con questo mandato, tutto \u00e8 predefinito: scegli un profilo di rischio tra cinque opzioni e Alpian gestisce l&#8217;allocazione del portafoglio di conseguenza. L&#8217;investimento si basa esclusivamente su ETF accuratamente selezionati e diversificati. Puoi anche optare per un tema d&#8217;investimento particolare, come ad esempio Sostenibile, Globale, Svizzero o Globale Crypto.  <\/p>\n\n<p>Lasci fare agli esperti di finanza, pur avendo piena visibilit\u00e0 su ci\u00f2 che accade nel tuo portafoglio. Ma questo livello di semplicit\u00e0 ha anche dei limiti: <\/p>\n\n<p><strong>Cosa ci guadagna<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Il modo pi\u00f9 semplice.<\/li>\n\n\n\n<li>Accessibile a partire da soli 2.000 CHF (ben lontano dai 500.000 CHF minimi richiesti da una banca privata).<\/li>\n\n\n\n<li>Gestione senza necessit\u00e0 di intervento.<\/li>\n\n\n\n<li>Costi fissi (tra lo 0,50% e lo 0,75% all&#8217;anno), che rimangono gli stessi per tutti i mandati.<\/li>\n<\/ul>\n\n<p><strong>Cosa perdiamo<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Nessuna personalizzazione oltre i profili di rischio definiti.<\/li>\n\n\n\n<li>Il portafoglio segue la performance degli ETF, ma non prende decisioni strategiche come potrebbe fare un gestore attivo.<\/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 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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 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_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>Leggi anche:<\/strong> <a href=\"https:\/\/heyneo.ch\/it\/notizie\/managed-by-alpian-essentials\/\">Managed by Alpian Essentials: il mio diario di bordo \u2013 resoconto dell&#8217;esperienza a %%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 Il compromesso tra autonomia e consulenza (da CHF 10.000)<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Guided by Alpian  <\/div>\t<\/div><\/div>\n<p>Ognuno di noi \u00e8 diverso. Puoi voler gestire i tuoi investimenti senza essere totalmente autonomo (soprattutto se non hai necessariamente il tempo di seguire i mercati in continuazione). \u00c8 qui che <a href=\"https:\/\/heyneo.ch\/it\/notizie\/guided-by-alpian-recensione\/\">Guided by Alpian<\/a> diventa interessante. Conserva il controllo sulle tue decisioni, ma con consigli per <strong>affinare la tua strategia<\/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 versione\" 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>Cosa ci guadagna<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Un buon compromesso tra autonomia e supporto.<\/li>\n\n\n\n<li>Accesso a circa cinquanta ETF, rispetto ai portafogli gi\u00e0 pronti di Essentials.<\/li>\n\n\n\n<li>Raccomandazioni periodiche per ottimizzare il portafoglio.<\/li>\n<\/ul>\n\n<p><strong>Cosa perdiamo<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Gli ordini non vengono eseguiti in tempo reale, ma sono programmati.<\/li>\n\n\n\n<li>Non puoi discostarti completamente dalle strategie definite (deviazione massima del 10%).<\/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 rispetto a Neon e Yuh?<\/strong><\/h3>\n\n<p>Questa \u00e8 la <strong>natura ibrida di Alpian<\/strong>: pi\u00f9 supervisione rispetto a un semplice conto di trading, ma meno libert\u00e0 rispetto a un broker. In confronto, Neon Invest e Yuh ti permettono di acquistare azioni liberamente, ma senza alcun controllo o consulenza. Guided by Alpian si posiziona proprio tra i due, con <a href=\"https:\/\/heyneo.ch\/it\/notizie\/guided-by-alpian-recensione\/\">un quadro strutturato ma con un certo margine di manovra<\/a>.  <\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Criteri<\/strong><\/td><td><strong>Guida alpina<\/strong><\/td><td><strong>Neon<\/strong><\/td><td><strong>Yuh<\/strong><\/td><\/tr><tr><td><strong>Soglia di ingresso<\/strong><\/td><td>CHF 10.000<\/td><td>1 CHF<\/td><td>25 CHF<\/td><\/tr><tr><td><strong>Gestione<\/strong><\/td><td>Assistito<\/td><td>Gratis<\/td><td>Gratis<\/td><\/tr><tr><td><strong>Scelta delle attivit\u00e0<\/strong><\/td><td>ETF preselezionati<\/td><td>Azioni ed ETF gratuiti<\/td><td>Azioni ed ETF gratuiti<\/td><\/tr><tr><td><strong>Consigli personali<\/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>E Guided by Alpian rispetto a un robo-advisor come Selma?<\/strong><\/h3>\n\n<p>Un confronto con Selma mostra che l&#8217;idea \u00e8 abbastanza simile: gestione passiva dell&#8217;ETF, una soglia di ingresso equivalente e un approccio algoritmico:<\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Criteri<\/strong><\/td><td><strong>Elementi essenziali di Alpian<\/strong><\/td><td><strong>Selma<\/strong><\/td><\/tr><tr><td><strong>Soglia di ingresso<\/strong><\/td><td>CHF 2.000<\/td><td>CHF 2.000<\/td><\/tr><tr><td><strong>Personalizzazione<\/strong><\/td><td>Basso (profili predefiniti)<\/td><td>Automatico, ma regolabile<\/td><\/tr><tr><td><strong>Gestione attiva?<\/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>Interazione umana?<\/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>Prezzi<\/strong><\/td><td>tra lo 0,50% e lo 0,75% all&#8217;anno<\/td><td>0,47% \/ anno<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p>Ma a differenza di Selma, in Alpian hai accesso a un consulente umano, il che pu\u00f2 essere un vero vantaggio se vuoi discutere la tua strategia.<\/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\">8<\/span>\t<\/div>\t<div id=\"8-managed-by-alpian\">\t\t<h2 class=\"mt0 mb0\">Managed by Alpian Gestione patrimoniale su misura (a partire da CHF 30.000)<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Managed by Alpian<\/div>\t<\/div><\/div>\n<p>Managed by Alpian \u00e8 l&#8217;esperienza pi\u00f9 vicina a una <strong>banca privata<\/strong>, ma senza il suo costo d&#8217;ingresso esorbitante. Tutto \u00e8 gestito dal team di investimento che adatta il portafoglio in base alle condizioni di mercato e alle tue preferenze. <\/p>\n\n<p>Questo mandato \u00e8 rivolto agli investitori che desiderano delegare completamente la gestione del proprio patrimonio, pur mantenendo un approccio davvero personalizzato.<\/p>\n\n<p><strong>Cosa ci guadagna<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Una gestione personalizzata al 100% in cui tutto \u00e8 ottimizzato.<\/li>\n\n\n\n<li>Portafogli adeguati all&#8217;andamento del mercato.<\/li>\n\n\n\n<li>Possibilit\u00e0 di definire delle esclusioni (ad esempio evitare determinati settori, escludere le criptovalute).<\/li>\n<\/ul>\n\n<p><strong>Cosa perdiamo<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>L&#8217;investimento minimo \u00e8 di 30.000 CHF.<\/li>\n\n\n\n<li>Nessuna flessibilit\u00e0 nella scelta di ETF specifici.<\/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-7a90cdc .gs-box-text{flex-grow:1;margin:0}#gspb_infoBox-id-gsbp-7a90cdc .gs-box-icon{margin-left:-10px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-7a90cdc .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-7a90cdc svg{height:50px!important;width:50px!important;min-width:50px!important;}#gspb_infoBox-id-gsbp-7a90cdc svg,#gspb_infoBox-id-gsbp-7a90cdc svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) 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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-842317c{color:#ffffff;}.gspb_text-id-gsbp-842317c a,.gspb_text-id-gsbp-842317c .wp-block a{color:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg));}.gspb_text-id-gsbp-842317c a:hover,.gspb_text-id-gsbp-842317c .wp-block 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>Leggi anche:<\/strong> <a href=\"https:\/\/heyneo.ch\/it\/notizie\/managed-by-alpian-recensione\/\">Managed by Alpian: la mia recensione completa (%%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>Come si colloca Alpian rispetto alle banche private in Svizzera?<\/strong><\/h3>\n\n<p>Se c<a href=\"https:\/\/heyneo.ch\/it\/notizie\/private-banking-svizzero\/\">onfrontiamo una banca privata come Pictet o UBS Wealth Management<\/a>, la grande differenza sta nelle commissioni. Mentre le banche private applicano in <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">media un tasso dell&#8217;1,32%<\/mark><\/strong> secondo l&#8217;<a href=\"https:\/\/www.moneyland.ch\/fr\/gestion-fortune-couts-comparaison-2024\">indagine 2024 del sito moneyland.ch<\/a> e richiedono importi considerevoli, Alpian offre un&#8217;alternativa molto pi\u00f9 accessibile. <\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Criteri<\/strong><\/td><td><strong>Managed by Alpian<\/strong><\/td><td><strong>Private banking (Pictet, UBS Wealth)<\/strong><\/td><\/tr><tr><td><strong>Soglia di ingresso<\/strong><\/td><td>CHF 30.000<\/td><td>CHF 500.000 o pi\u00f9<\/td><\/tr><tr><td><strong>Gestione attiva?<\/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>Commissioni di gestione<\/strong><\/td><td>tra lo 0,50% e lo 0,75% all&#8217;anno<\/td><td>1,32% \/ anno (media)<\/td><\/tr><\/tbody><\/table><\/figure>\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\">L&#8217;elenco degli ETF disponibili presso Alpian in  Maggio 2026<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Elenco degli ETF disponibili presso Alpian<\/div>\t<\/div><\/div>\n<p>Gli ETF disponibili dipendono in parte dal mandato selezionato: con Managed by Alpian (gestione pilotata), l&#8217;allocazione \u00e8 interamente definita da Alpian e continuamente adattata. Nella <a href=\"https:\/\/heyneo.ch\/it\/notizie\/guided-by-alpian-recensione\/\">gestione attiva<\/a> \u201cGuided by Alpian\u201d, \u00e8 possibile scegliere e apportare modifiche sulla base dei consigli forniti.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"tableau-complet-des-etf-disponibles-chez-alpian\">Tabella completa degli ETF disponibili presso 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>Elenco degli ETF<\/strong> <strong>su Alpian<\/strong><\/td><td><strong>Tipo di ETF<\/strong><\/td><td><strong>ETF<\/strong><\/td><td><strong>Simbolo + TER<\/strong><\/td><\/tr><tr><td><strong>Obbligazioni societarie<\/strong><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>Obbligazioni societarie USD<\/td><td>Obbligazioni societarie statunitensi<\/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>Obbligazioni societarie in euro<\/td><td>Obbligazioni societarie europee<\/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>Obbligazioni societarie globali<\/td><td>Obbligazioni societarie globali<\/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>Obbligazioni societarie in CHF<\/td><td>Obbligazioni societarie in franchi svizzeri<\/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>Obbligazioni ESG Euro Corporate<\/td><td>Obbligazioni societarie europee ESG<\/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>Indice ESG Swiss Bond Corporate<\/td><td>ESG Obbligazioni societarie svizzere<\/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>SEBC 0,15<\/td><\/tr><tr><td><strong>Titoli di Stato<\/strong><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>Obbligazioni governative globali<\/td><td>Obbligazioni governative globali<\/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>Obbligazioni governative nazionali svizzere 0-3 anni<\/td><td>Titoli di Stato svizzeri a breve termine<\/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>Obbligazioni governative nazionali svizzere 3-7 anni<\/td><td>Titoli di Stato svizzeri a medio termine<\/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>Mercati emergenti<\/strong><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>MSCI Mercati Emergenti<\/td><td>Azioni dei mercati emergenti<\/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 Obbligazioni dei mercati emergenti<\/td><td>Obbligazioni dei mercati emergenti 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 Obbligazioni societarie dei mercati emergenti<\/td><td>Obbligazioni societarie dei mercati emergenti ESG<\/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>Azioni globali<\/strong><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>MSCI World<\/td><td>Azioni sviluppate globali<\/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>Azioni globali coperte in franchi svizzeri<\/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>Azioni globali tutti i paesi<\/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>Azioni regionali<\/strong><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>MSCI USA<\/td><td>Azioni USA a grande capitalizzazione<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/CSPX:LON\">iShares Core S&amp;P 500 UCITS ETF<\/a><\/td><td>CSPX 0,07<\/td><\/tr><tr><td>MSCI Europa<\/td><td>Azioni europee a grande capitalizzazione<\/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 Giappone<\/td><td>Azioni giapponesi<\/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>Azioni indiane coperte in franchi svizzeri<\/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 Svizzera 20\/35<\/td><td>Azioni svizzere con limite di concentrazione<\/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>Settori specifici<\/strong><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>MSCI World Financials<\/td><td>Settore finanziario globale<\/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>Settore sanitario globale<\/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>Settore tecnologico globale<\/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>Settore energetico globale<\/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>Temi sostenibili<\/strong><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>Uguaglianza di genere globale<\/td><td>Aziende che promuovono l&#8217;uguaglianza di genere<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/GEND:LON\">Lyxor Global Gender Equality (DR) UCITS ETF<\/a><\/td><td>GENERE 0,50<\/td><\/tr><tr><td>Impatto ambientale<\/td><td>Aziende globali di energia pulita<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/INRG:LON\">ETF iShares Global Clean Energy UCITS<\/a><\/td><td>INRG 0,65%<\/td><\/tr><tr><td>Energia pulita<\/td><td>Aziende globali di energia pulita<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/INRG:LON\">ETF iShares Global Clean Energy UCITS<\/a><\/td><td>INRG 0,65%<\/td><\/tr><tr><td>Fattori abilitanti della decarbonizzazione globale<\/td><td>Aziende che facilitano la decarbonizzazione<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/CLMA:LON\">Lyxor Net Zero 2050 S&amp;P Eurozone Climate PAB (DR) UCITS ETF<\/a><\/td><td>CLMA 0,65<\/td><\/tr><tr><td>Obbligazioni verdi<\/td><td>Obbligazioni verdi per progetti ambientali<\/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>Criptovalute e materie prime<\/strong><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>ETP Bitcoin Core<\/td><td>Esposizione a Bitcoin<\/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>Paniere diversificato di criptovalute<\/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 scommette sull&#8217;ETP<\/td><td>Mostra di picchettaggio di Solana<\/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>Esposizione diversificata alle materie prime<\/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>Oro fisico<\/td><td>Oro fisico<\/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>Strategie ESG<\/strong><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>MSCI USA Socialmente Responsabile<\/td><td>Azioni statunitensi socialmente responsabili<\/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 Svizzera Socialmente Responsabile<\/td><td>Azioni svizzere socialmente responsabili<\/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 Socialmente Responsabile<\/td><td>Azioni dell&#8217;eurozona socialmente responsabili<\/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>Altro<\/strong><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>Intelligenza Artificiale<\/td><td>Aziende di intelligenza artificiale<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/AIAI:LON\">L&amp;G Artificial Intelligence UCITS ETF<\/a><\/td><td>AIAI 0,35<\/td><\/tr><tr><td>Morningstar US Sust WidMoat<\/td><td>Azioni statunitensi sostenibili con un vantaggio competitivo<\/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>Obbligazioni della Banca di Sviluppo<\/td><td>Obbligazioni delle banche di sviluppo<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/DDBB:AMS\">iShares Obbligazioni bancarie per lo sviluppo ETF UCITS<\/a><\/td><td>DDBB 0,15<\/td><\/tr><tr><td>Obbligazioni della Banca per lo Sviluppo Sostenibile CHF-H<\/td><td>Obbligazioni della banca per lo sviluppo sostenibile in CHF<\/td><td><a href=\"https:\/\/www.google.com\/finance\/quote\/SDBCH:SWX\">UBS ETF (LU) Sustainable Development Bank Bonds UCITS ETF (con copertura in CHF) A-dis<\/a><\/td><td>SDBCH &#8211;<\/td><\/tr><tr><td>Obbligazioni societarie globali ad alto rendimento<\/td><td>Obbligazioni globali ad alto rendimento<\/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>Obbligazioni globali indicizzate all&#8217;inflazione<\/td><td>Obbligazioni globali indicizzate all&#8217;inflazione<\/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>Societ\u00e0 liquide statunitensi CHF-H<\/td><td>Obbligazioni societarie statunitensi coperte 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 Obbligazioni governative globali liquide<\/td><td>Obbligazioni governative globali ESG<\/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 Sviluppato Asia Pacifico ex Giappone<\/td><td>Azioni sviluppate dell&#8217;Asia-Pacifico ex Giappone<\/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\">Questa vista rappresenta l&#8217;ultimo aggiornamento di heyneo.ch. Gli ETF disponibili sono costantemente aggiornati nell&#8217;applicazione Alpian, dove troverai le ultime novit\u00e0. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"la-selection-des-etf-alpian-par-theme\">Selezione di ETF Alpian per tema<\/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\">Commissioni di gestione e costi di investimento di Alpian (in dettaglio)<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Commissioni e costi di gestione<\/div>\t<\/div><\/div>\n<p>Le commissioni riducono inevitabilmente la performance di un investimento: \u00e8 meglio comprenderle nel dettaglio prima di scegliere un mandato.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"entre-0-50-et-0-75-tout-compris\"><strong>tra lo 0,50% e lo 0,75%, tutto incluso?<\/strong><\/h3>\n\n<p>Alpian applica <strong>una commissione di gestione unica tra lo 0,50% e lo 0,75% all&#8217;anno<\/strong> sul valore totale degli investimenti.<\/p>\n\n<p><strong>Cosa \u00e8 incluso in queste commissioni<\/strong>:<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Gestione del portafoglio (pi\u00f9 o meno attiva a seconda del mandato scelto).<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Accesso ai consulenti finanziari.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Rapporto fiscale annuale.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Esecuzione delle transazioni senza costi aggiuntivi.<\/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;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-5bb0d58 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-5bb0d58 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#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-8e8d7fbda4d8522ea00974c04cbfffe6\">Il tasso \u00e8 fisso, indipendentemente dall&#8217;importo investito, a differenza delle banche private che spesso applicano commissioni a scalare. A titolo di confronto, Selma applica lo 0,47% annuo e True Wealth tra lo 0,25% e lo 0,50% a seconda dell&#8217;importo investito. <\/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>Ci sono altri costi da tenere in considerazione<\/strong><\/h3>\n\n<p>Anche se le commissioni coprono la gestione globale del portafoglio, altri costi si aggiungono e devono essere presi in considerazione.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"les-droits-de-timbre-suisses\"><strong>Imposta di bollo svizzera<\/strong><\/h3>\n\n<p>Come tutte le piattaforme in Svizzera, Alpian applica l&#8217;imposta di bollo sulle transazioni:<br\/>0,075% per i titoli svizzeri e 0,15% per i titoli esteri.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"les-frais-de-change\"><strong>Costi di cambio<\/strong><\/h3>\n\n<p>Si tratta dei costi di cambio quando si investe in una valuta diversa dal franco svizzero.<\/p>\n\n<p><strong>Tariffe alpiane<\/strong>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>0,2% nei giorni feriali.<\/li>\n\n\n\n<li>0,5% nei fine settimana.<\/li>\n<\/ul>\n\n<p>Nei giorni feriali, questi tassi rimangono competitivi:<br\/>&#8211; Yuh applica uno spread integrato tra lo 0,5% e l \u201c1,5%, senza spese fisse.<br\/>&#8211; Swissquote pu\u00f2 arrivare all\u201d 1,5% a seconda della valuta.<br\/>&#8211; Neon utilizza il tasso interbancario, ma aggiunge spese per ogni ordine.<\/p>\n\n<p>La maggior parte dei portafogli Alpian \u00e8 <strong>strutturata in CHF<\/strong>, il che riduce la necessit\u00e0 di frequenti conversioni. Un altro punto a favore: presso Alpian, il conto corrente bancario \u00e8 <a href=\"https:\/\/heyneo.ch\/it\/servizio\/alpian-recensione\/\"><strong>conto bancario multivaluta<\/strong><\/a> il che significa che puoi tenere le valute che preferisci in previsione di investimenti futuri.<\/p>\n\n<p>\ud83d\udccc Con Alpian non ci sono spese di transazione.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"les-frais-des-etf\"><strong>Commissioni dell&#8217;ETF<\/strong><\/h3>\n\n<p>I portafogli Alpian sono costruiti unicamente con ETF che integrano costi interni chiamati <strong>TER<\/strong> (Total Expense Ratio). In media, gli ETF selezionati si aggirano intorno allo <strong>0,25%<\/strong>. Se si aggiunge la <strong>gestione delegata fatturata tra lo 0,50% e lo 0,75%<\/strong>, si arriva a un costo totale di circa dallo <strong>0,75% all&#8217;<\/strong> <strong>1% all&#8217;anno<\/strong> per l&#8217;investitore.  <\/p>\n\n<p>\ud83d\udccc Queste commissioni sono ancora ragionevoli per una soluzione completamente gestita, anche se sono pi\u00f9 alte di quelle di un robo-advisor o di un broker indipendente.<\/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\">Le commissioni di Alpian a confronto con altre piattaforme di investimento svizzere<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Tariffe a confronto con altre piattaforme in Svizzera<\/div>\t<\/div><\/div>\n<p>Alpian si posiziona contro altre soluzioni come <strong>Neon Invest, Yuh<\/strong> e <strong>Selma<\/strong>, che offrono modelli con commissioni diverse.<\/p>\n\n<p><strong>Confronto tra le commissioni di gestione e di transazione :<\/strong><\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Piattaforma<\/strong><\/td><td><strong>Commissioni di gestione<\/strong><\/td><td><strong>Spese di transazione<\/strong><\/td><\/tr><tr><td><strong>Alpian<\/strong><\/td><td>tra lo 0,50% e lo 0,75% all&#8217;anno (gestione attiva, consulenza inclusa)<\/td><td>Incluso nella quota annuale (escluse le imposte di bollo e di cambio + TER 0,25%)<\/td><\/tr><tr><td><strong><a href=\"https:\/\/heyneo.ch\/banque-en-ligne\/neon-investissement\/\">Neon Invest<\/a><\/strong><\/td><td>Nessuna spesa di gestione<\/td><td>Azioni ed ETF svizzeri: 0,5% per transazione<\/td><\/tr><tr><td><strong><a href=\"https:\/\/heyneo.ch\/banque-en-ligne\/neon-investissement\/\">Yuh<\/a><\/strong><\/td><td>Nessuna spesa di gestione<\/td><td>0,5% per transazione<\/td><\/tr><tr><td><strong><a href=\"https:\/\/heyneo.ch\/banque-en-ligne-suisse\/selma-article-redirection\/\">Selma<\/a><\/strong><\/td><td>0,47% \/ anno<\/td><td>TER degli ETF (circa 0,25%)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p><strong>Analisi:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Neon e Yuh sono i meno costosi, ma richiedono una gestione completamente autonoma.<\/li>\n\n\n\n<li>Selma \u00e8 leggermente pi\u00f9 economica di Alpian, ma non offre alcun supporto umano.<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\" id=\"alpian-est-elle-competitive-sur-les-frais\"><strong>Alpian \u00e8 competitivo sui costi?<\/strong><\/h3>\n\n<p><strong>Vantaggi:<br\/><\/strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Struttura dei prezzi chiara e prevedibile.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Pi\u00f9 economica di una banca privata tradizionale.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Nessuna commissione per transazione, a differenza dei broker.<\/p>\n\n<p><strong>Limiti:<br\/><\/strong>\u2718 Pi\u00f9 costoso di Neon e Yuh per gli investitori autonomi.<br\/>\u2718 Il costo totale (tra lo 0,50% e lo 0,75% + TER 0,25%) raggiunge l&#8217;1%, leggermente al di sopra di Selma.<\/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\">12<\/span>\t<\/div>\t<div id=\"12-simulation-frais-alpian-investissement\">\t\t<h2 class=\"mt0 mb0\">Quanto costa effettivamente Alpian?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Costi effettivi<\/div>\t<\/div><\/div>\n<h3 class=\"wp-block-heading\" id=\"faut-il-toujours-viser-les-frais-les-plus-bas\">Devi sempre puntare ai costi pi\u00f9 bassi?<\/h3>\n\n<p>Alpian addebita tra lo 0,50% e lo 0,75% all&#8217;anno per la gestione del portafoglio, a seconda della formula scelta (maggiori informazioni sulle formule proposte da Alpian nel capitolo \u201ccosti\u201d della <a href=\"https:\/\/heyneo.ch\/it\/servizio\/alpian-recensione\/\">recensione Alpian<\/a>). Bisogna aggiungere circa lo 0,25% di costi legati agli ETF selezionati. Questo costo totale, intorno all&#8217;1% all&#8217;anno, pu\u00f2 sembrare elevato rispetto a piattaforme come Neon Invest o Yuh, che non prelevano alcuna commissione di gestione.  <\/p>\n\n<p>Ma questo <strong>confronto \u00e8 fuorviante, perch\u00e9 non tiene conto della natura del servizio<\/strong>.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"ce-que-couvrent-les-frais-chez-alpian\">Cosa copre la tariffa Alpian<\/h3>\n\n<p>Con Alpian non paghi solo l&#8217;accesso ai mercati finanziari. Paghi per una <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">gestione completa<\/mark> del portafoglio<\/strong>: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Gestione semi-attiva<\/strong> guidata dall&#8217;algoritmo di Alpian, arricchita dalle opinioni di mercato degli esperti.<\/li>\n\n\n\n<li><strong>Riequilibrio<\/strong> automatico <strong>settimanale<\/strong> per mantenere l&#8217;allocazione target.<\/li>\n\n\n\n<li><strong>Consulenza personalizzata<\/strong> nei mandati \u201cGuidati\u201d e \u201cGestiti\u201d.<\/li>\n\n\n\n<li><strong>Un&#8217;allocazione su misura<\/strong>, basata sul tuo profilo comportamentale piuttosto che su un semplice modello standard.<\/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\">L&#8217;obiettivo: migliorare le prestazioni&#8230; o evitare gli errori<\/h3>\n\n<p>Alpian non segue semplicemente un indice. Ogni settimana l \u201callocazione viene modificata in base ai movimenti del mercato, alla tolleranza al rischio del cliente e alle convinzioni degli esperti. L\u201d obiettivo non \u00e8 semplicemente quello di replicare il mercato, ma di <strong>adattarlo in modo intelligente a ciascun investitore<\/strong>.  <\/p>\n\n<p>Al contrario, le piattaforme a basso costo applicano una strategia passiva o lasciano che siano i clienti a prendere le proprie decisioni. Se tutto va bene, questo funziona. Ma una decisione sbagliata, un cattivo tempismo o una diversificazione insufficiente possono <strong>vanificare molto rapidamente i risparmi ottenuti sulle commissioni<\/strong>.  <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"ce-qu-il-faut-retenir\">Cose da ricordare<\/h3>\n\n<p>Le commissioni di Alpian sono pi\u00f9 alte, ma coprono un servizio di gestione supervisionata spesso assente nei concorrenti a basso costo. Queste commissioni devono essere messe in relazione con i potenziali guadagni in termini di performance. <br\/><br\/>La scelta dipende dal tuo profilo:<br\/>&#8211; Se vuoi <strong>gestire tutto da solo<\/strong>, preferisci Yuh, Neon o Guided by Alpian.<br\/>&#8211; Se cerchi un <strong>approccio stabile, personalizzato e assistito<\/strong>, Alpian \u00e8 la scelta migliore.<\/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\">Definire la strategia di investimento<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Strategia di investimento personalizzata<\/div>\t<\/div><\/div>\n<h3 class=\"wp-block-heading\" id=\"definir-le-profil-de-risque-etape-1-4\">Definizione del profilo di rischio &#8211; fase 1\/4<\/h3>\n\n<p><strong>Esperienza finanziaria <\/strong>: Alpian valuta la comprensione dei mercati finanziari e dei diversi prodotti di investimento.<\/p>\n\n<p><strong>Situazione finanziaria <\/strong>: questa fase consente ad Alpian di valutare la propria capacit\u00e0 di investimento e di proporre soluzioni adeguate.<\/p>\n\n<p><strong>Obiettivi di investimento <\/strong>: Definizione degli obiettivi finanziari a breve, medio e lungo termine.  <\/p>\n\n<p><strong>Tolleranza al rischio <\/strong>: la capacit\u00e0 del cliente di sopportare le fluttuazioni del mercato e le potenziali perdite.  <\/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=\"Profilo di attribuzione del rischio di Alpian1\" 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-attribuzione-du-profilo-de-risque\" 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\">Creare una strategia di investimento &#8211; fase 2\/4<\/h3>\n\n<p>La strategia di investimento viene creata attraverso diversi moduli.<\/p>\n\n<p><strong>Restrizioni <\/strong>: ti permette di allineare i tuoi investimenti alle tue convinzioni personali, scegliendo di includere o escludere determinati settori o tipi di investimento.<\/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=\"Esclusione di settori di investimento dal portafoglio\" 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>: ti permette di personalizzare il tuo portafoglio di investimento in base ai tuoi valori o alle tue preferenze in termini di impatto ambientale e sociale.<\/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>Allocazione strategica<\/strong>: offre un&#8217;asset allocation personalizzata, ottimizzata da esperti in base ai tuoi obiettivi e alla tua tolleranza al rischio, per un portafoglio diversificato su misura per il tuo profilo.<\/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\">Visualizza la performance storica dell&#8217;allocazione del portafoglio (esposizione) &#8211; fase 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=\"Storia delle prestazioni di Alpian\" 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=\"L'allocazione strategica di Alpian per paese e settore economico\" 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\">Convalida del mandato &#8211; 4\/4<\/h3>\n\n<p>Il passo finale consiste nel convalidare (firmare) il mandato direttamente al telefono.<\/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=\"Mandato di gestione Alpian da firmare\" 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 e gestione del portafoglio presso Alpian<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Gestione del portafoglio<\/div>\t<\/div><\/div>\n<p>I gestori patrimoniali delle banche retail utilizzano un unico modello: raggruppano gli investitori in 3 o 4 categorie predefinite con <strong>allocazioni standardizzate<\/strong> che variano poco da un cliente all&#8217;altro:<\/p>\n\n<p>&#8211; <strong>cauto<\/strong><br\/>&#8211; <strong>equilibrato<\/strong><br\/>&#8211; <strong>dinamico<\/strong><\/p>\n\n<p>Due persone classificate come &#8220;equilibrate&#8221; hanno un portafoglio identico senza tenere conto della loro reale tolleranza alle fluttuazioni del mercato.<\/p>\n\n<p>Con <strong>Managed by Alpian<\/strong>, l&#8217;allocazione non \u00e8 standardizzata. Viene personalizzata in base alle esigenze individuali, con <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">infinite possibilit\u00e0 di variazione<\/mark><\/strong> a seconda dell&#8217;effettiva propensione al rischio, calcolata tramite un modello proprietario ispirato alla finanza comportamentale. <\/p>\n\n<p>Con <strong>Essentials<\/strong>, l&#8217;approccio \u00e8 pi\u00f9 semplice: si sceglie un profilo tra cinque livelli di rischio e l&#8217;allocazione rimane fissa all&#8217;interno di questo quadro. \u00c8 un modello pi\u00f9 accessibile, ma \u00e8 anche meno preciso e non tiene conto delle sfumature psicologiche specifiche di ogni investitore. <\/p>\n\n<p>Due investitori con lo stesso profilo possono ricevere allocazioni diverse a seconda della loro percezione individuale del rischio, che raramente viene presa in considerazione. <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">raramente viene presa in considerazione<\/mark><\/strong> in una banca tradizionale.<\/p>\n\n<p><strong>Un esempio su tutti<\/strong>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>In una banca tradizionale: due investitori considerati &#8220;equilibrati&#8221; riceveranno ciascuno il 50% in fondi azionari e il 50% in fondi obbligazionari, con un&#8217;allocazione standardizzata.<\/li>\n\n\n\n<li>In Alpian, uno potrebbe avere il 60% di ETF azionari e il 40% di ETF obbligazionari, mentre l&#8217;altro potrebbe essere pi\u00f9 vicino al 40% di ETF azionari e al 60% di ETF obbligazionari, a seconda della sua tolleranza al rischio e della sua reazione alle fluttuazioni del mercato.<\/li>\n<\/ul>\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 > 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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;}#gspb_container-id-gsbp-8c6b86c.gspb_container{box-sizing:border-box;}<\/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-f6140d9c0495f0d55d1ae5a9cd8564f9\"><em><strong>Sono lieto di essere cos\u00ec utile alle banche<\/strong><\/em> \ud83d\ude0a<\/p>\n<cite>Neo &#8211; Opinione non richiesta (come al solito).<\/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>La funzione di utilit\u00e0 del cliente<\/strong><\/h3>\n\n<p>L&#8217;approccio di Alpian utilizza la \u201c<mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">funzione di utilit\u00e0 del cliente<\/mark>\u201d, un modello derivato dalla <strong>finanza comportamentale<\/strong> che adegua l&#8217;allocazione in base alla reale capacit\u00e0 del cliente di sostenere il rischio. Due profili teoricamente simili possono quindi portare ad allocazioni diverse, cosa che non esiste in una banca tradizionale dove si applica un quadro uniforme. <\/p>\n\n<p><strong>Cosa significa in pratica<br\/><br\/><\/strong> <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <strong>Una gestione del rischio pi\u00f9 precisa<\/strong>: ogni portafoglio viene regolato in modo da corrispondere il pi\u00f9 possibile alle aspettative e alla reale tolleranza alle fluttuazioni.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <strong>Maggiore stabilit\u00e0 emotiva<\/strong>: minore rischio di abbandonare una strategia dopo un periodo di ribasso, perch\u00e9 l \u201callocazione riflette meglio la capacit\u00e0 dell\u201d investitore di resistere alle fluttuazioni del mercato.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <strong>Un posizionamento unico<\/strong>: pi\u00f9 personalizzato di un robo-advisor, pi\u00f9 strutturato di un approccio totalmente gratuito come Swissquote e pi\u00f9 agile di una banca privata tradizionale.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"comparaison-des-modeles-d-evaluation-du-risque\"><strong>Confronto tra i modelli di valutazione del rischio<\/strong><\/h3>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Criteri<\/strong><\/td><td><strong>Alpian<\/strong><\/td><td><strong>Retail banking<\/strong><br\/>(gestione patrimoniale)<\/td><td><strong>Robo-advisor<\/strong><\/td><\/tr><tr><td><strong>Profilo di rischio<\/strong><\/td><td>Regolato individualmente in base alla tolleranza effettiva<\/td><td>Categoria fissa (prudente, equilibrata, dinamica)<\/td><td>Automatico, basato su alcune domande<\/td><\/tr><tr><td><strong>Adattabilit\u00e0<\/strong><\/td><td>Portafoglio modulato in base alla percezione del rischio<\/td><td>Identico per tutti nella stessa categoria<\/td><td>Standardizzato, senza regolazione fine<\/td><\/tr><tr><td><strong>Rivalutazione<\/strong><\/td><td>Regolazioni regolari<\/td><td>Poco o nessun adattamento<\/td><td>Riequilibrio automatico ma impersonale<\/td><\/tr><tr><td><strong>Esempio<\/strong><\/td><td>Due persone &#8220;equilibrate&#8221; \u2192 assegnazioni diverse<\/td><td>Due persone &#8220;equilibrate&#8221; \u2192 stesso portafoglio<\/td><td>Assegnazione fissata in base a un modello predefinito<\/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>La metodologia di gestione del portafoglio di Alpian<\/strong><\/h3>\n\n<p><strong>Come viene definita l&#8217;indennit\u00e0?<\/strong><strong><br\/><\/strong>Tutto inizia con un questionario dettagliato, che viene utilizzato per individuare il livello di rischio, gli obiettivi finanziari e le preferenze di investimento. Su questa base, Alpian costruisce un portafoglio ottimizzato, tenendo conto di diversi parametri: <\/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>Diversificazione intelligente:<\/strong> una scelta di ETF per coprire diversi settori e aree geografiche.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <strong>Rischio\/rendimento ottimizzato:<\/strong> gli asset vengono selezionati in base alla loro volatilit\u00e0 e al loro potenziale di crescita.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <strong>Personalizzazione avanzata<\/strong> con la possibilit\u00e0 di<mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">escludere alcuni temi<\/mark> d&#8217;investimento o di privilegiare un portafoglio sostenibile, ad esempio.<\/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\">Immagine: heyneo.ch, fasi della costruzione di un portafoglio di investimenti presso 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\">Investimenti ricorrenti<\/h3>\n\n<p>Per semplificare la costruzione di un patrimonio, Alpian offre anche una funzionalit\u00e0 di investimento ricorrente. Si possono impostare versamenti automatici (ad esempio ogni mese) verso il proprio portafoglio, il che permette di mediare i punti di ingresso sui mercati investendo in modo regolare e disciplinato. \u00c8 una soluzione pratica per costruire un capitale nel tempo, senza doversi preoccupare del 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\">Ottimizzazione continua e ruolo delle opinioni di mercato<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Ottimizzazione continua e ruolo delle opinioni di mercato<\/div>\t<\/div><\/div>\n<p>Il lavoro non si ferma alla creazione del portafoglio. A differenza di un approccio puramente passivo, Alpian adatta regolarmente le sue strategie di investimento in base alle condizioni economiche e finanziarie. I mercati finanziari sono in continua evoluzione. Alcune classi di attivit\u00e0 sono pi\u00f9 interessanti in un determinato momento, mentre altre diventano pi\u00f9 rischiose o meno redditizie. <strong>Le <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">view di mercato<\/mark><\/strong> prodotte da Alpian permettono di adattare le asset allocation in base a questi cambiamenti.   <\/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;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-857f55d .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-857f55d .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#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-537bf81e486f0a7a31f6f3f1a2b29cfd\">In un periodo di inflazione elevata, le obbligazioni lunghe potrebbero diventare meno interessanti, mentre potrebbe essere preferibile un investimento pi\u00f9 mirato in azioni a forte crescita o materie prime.<\/p>\n<\/div><\/div><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>In che modo Alpian applica queste opinioni di mercato?<\/strong><strong><br\/><\/strong>Alpian analizza costantemente una serie di indicatori macroeconomici e finanziari. Su questa base, il team pu\u00f2 sovrappesare o sottopesare determinate classi di attivit\u00e0 per ottimizzare la redditivit\u00e0: <\/p>\n\n<p><strong>Sovrappeso<\/strong> = se una classe di attivit\u00e0 sembra particolarmente promettente, Alpian pu\u00f2 aumentarne la ponderazione nel portafoglio.<br\/><strong>Sottopeso<\/strong> = al contrario, se un settore diventa troppo rischioso o poco attraente, pu\u00f2 essere ridotto nell&#8217;allocazione.<\/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-3.png\" data-src=\"\" alt=\"\" loading=\"lazy\" height=\"416\"><\/div>\n\n<p class=\"has-text-align-center has-small-font-size\">Immagine: heyneo.ch, le viste di mercato vengono utilizzate per riequilibrare dinamicamente i portafogli.<\/p>\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Cosa cambia concretamente:<br\/><\/strong>Alpian adatta le sue posizioni in base alle condizioni di mercato, rimanendo comunque all&#8217;interno di una gestione strutturata. Al contrario, Selma adotta una gestione totalmente passiva con ribilanciamenti automatici, senza tenere conto dei cicli economici. <\/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\">16<\/span>\t<\/div>\t<div id=\"16-comparaison-selma-alpian-investissement\">\t\t<h2 class=\"mt0 mb0\">Confronto con un robo-advisor come Selma<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Confronto con Selma<\/div>\t<\/div><\/div>\n<p><strong>Si tratta di due filosofie opposte: gestione attiva e automazione totale.<\/strong><\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Criteri<\/strong><\/td><td><strong>Alpian<\/strong><\/td><td><strong>Selma<\/strong><\/td><\/tr><tr><td><strong>Tipo di gestione<\/strong><\/td><td>A seconda del mandato: delegato con modello dinamico + consulenti<\/td><td>100% automatizzato<\/td><\/tr><tr><td><strong>Personalizzazione<\/strong><\/td><td>Molto avanzato (scelta dei settori, sostenibilit\u00e0, ecc.)<\/td><td>Standardizzato<\/td><\/tr><tr><td><strong>Regolazioni<\/strong><\/td><td>Le viste di mercato applicate per ottimizzare i rendimenti<\/td><td>Semplice ribilanciamento automatico<\/td><\/tr><tr><td><strong>Supporto<\/strong><\/td><td>Consulenti umani accessibili<\/td><td>Nessuna, tutto \u00e8 gestito in modo algoritmico<\/td><\/tr><tr><td><strong>Tasse<\/strong><\/td><td>tra lo 0,50% e lo 0,75% + costi ETF (circa l&#8217;1% totale)<\/td><td>0,47% + costi dell&#8217;ETF (circa 0,72% in totale)<\/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, quale opzione per quale profilo?<\/strong><\/h3>\n\n<p><strong>Alpian \u00e8 un&#8217;opzione migliore per:<\/strong><br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Gli investitori che cercano un approccio pi\u00f9 personalizzato e dinamico.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Coloro che vogliono beneficiare di un supporto umano e di una consulenza finanziaria.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Coloro che vogliono avere un&#8217;influenza sulla strategia di investimento (scelta dei settori, sostenibilit\u00e0, ecc.).<\/p>\n\n<p><strong>Selma \u00e8 pi\u00f9 adatta a:<\/strong><br\/>\u2714\ufe0e Chi desidera una soluzione completamente automatizzata con commissioni ridotte.<br\/>\u2714\ufe0e Gli investitori a lungo termine che cercano una gestione semplice e passiva.<br\/>\u2714\ufe0e Chi desidera ridurre al minimo il proprio coinvolgimento e delegare completamente la gestione.<\/p>\n\n<p><strong>La differenza tra i due:<\/strong><br\/>Alpian si distingue per il suo approccio semi-attivo, che incorpora un modello di personalizzazione avanzato e aggiustamenti strategici per ottimizzare i portafogli in base alle condizioni di mercato. Selma, invece, \u00e8 un&#8217;alternativa pi\u00f9 semplice ed economica, ideale per chi cerca una gestione passiva al 100%. <\/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\">Sicurezza e regolamentazione: quali sono le reali garanzie di Alpian?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Sicurezza<\/div>\t<\/div><\/div>\n<p>Alpian \u00e8 una <a href=\"https:\/\/heyneo.ch\/it\/servizio\/alpian-recensione\/\" type=\"product\" id=\"7103\">banca privata digitale svizzera<\/a>. A differenza delle fintech che operano senza status bancario, possiede una propria licenza bancaria rilasciata dalla <a href=\"https:\/\/www.finma.ch\/en\/~\/media\/finma\/dokumente\/bewilligungstraeger\/pdf\/beh.pdf\">FINMA<\/a>.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"licence-bancaire-suisse-et-supervision-de-la-finma\"><strong>Licenza bancaria svizzera e vigilanza FINMA<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Alpian \u00e8 soggetta agli stessi requisiti normativi delle banche tradizionali in termini di solvibilit\u00e0, gestione del rischio e trasparenza.<\/li>\n\n\n\n<li>La banca deve rispettare rigorosi indici di capitale e di liquidit\u00e0 per garantire la sua solidit\u00e0 finanziaria.<\/li>\n<\/ul>\n\n<p>A differenza delle piattaforme di trading o dei robo-advisor che operano sotto statuti pi\u00f9 flessibili, Alpian \u00e8 una banca a tutti gli effetti.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"garantie-de-protection-des-depots\"><strong>Garanzia di protezione dei depositi<\/strong><\/h3>\n\n<p>I depositi in contanti presso Alpian sono coperti fino a 100.000 franchi svizzeri grazie al sistema di protezione dei depositi svizzero.<\/p>\n\n<p><strong>Buono a sapersi:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Questa protezione si applica solo ai depositi in CHF.<\/li>\n\n\n\n<li>Gli investimenti (ETF, obbligazioni, azioni) non sono coperti da questa garanzia, in quanto sono registrati e appartengono al cliente.<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\" id=\"ou-sont-stockes-les-actifs-d-investissement\"><strong>Dove sono conservate le attivit\u00e0 di investimento?<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>A differenza delle banche che custodiscono i titoli presso SIX (il deposito centrale svizzero), Alpian utilizza Interactive Brokers, una piattaforma di custodia di fiducia con sede fuori dalla Svizzera.<\/li>\n\n\n\n<li>In caso di problemi con Alpian, i biglietti rimangono di propriet\u00e0 del cliente e possono essere trasferiti a un altro stabilimento.<\/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 affronta la concorrenza in Svizzera<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Alpian e la concorrenza<\/div>\t<\/div><\/div>\n<p>Rispetto ad Alpian, piattaforme come <strong>Neon Invest, Yuh Invest, Swissquote<\/strong> e <strong>Selma<\/strong> offrono una variet\u00e0 di soluzioni di investimento, con modelli che vanno dalla gestione autonoma ai robo-advisor automatizzati. Come si colloca Alpian? <\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Criteri<\/strong><\/td><td><strong>Alpian<\/strong><\/td><td><strong>Neon Invest<\/strong><\/td><td><strong>Investire<\/strong><\/td><td><strong>Citazioni svizzere<\/strong><\/td><td><strong>Selma<\/strong><\/td><\/tr><tr><td><strong>Commissioni di gestione<\/strong><\/td><td>tra lo 0,50% e lo 0,75%<\/td><td>0,5% \/ ordine<\/td><td>0,5% \/ ordine<\/td><td>1-1,5 %<\/td><td>0,47 %<\/td><\/tr><tr><td><strong>Soglia di ingresso<\/strong><\/td><td>CHF 2.000<\/td><td>1 CHF<\/td><td>25 CHF<\/td><td>CHF 1.000<\/td><td>CHF 2.000<\/td><\/tr><tr><td><strong>Gestione personalizzata<\/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>Ampia scelta di attivit\u00e0<\/strong><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark> (solo ETF)<\/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>Deposito per investimenti<\/strong><\/td><td>Interactive Brokers (fuori dalla Svizzera)<\/td><td>Svizzera<\/td><td>Svizzera<\/td><td>Svizzera<\/td><td>Interactive Brokers (fuori dalla Svizzera)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Punti chiave:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Alpian e Selma sono le uniche soluzioni che offrono una gestione automatizzata. Tuttavia, Alpian aggiunge un supporto umano, a differenza di Selma, che \u00e8 automatizzata al 100%. <\/li>\n\n\n\n<li>Neon Invest, Yuh Invest e Swissquote ti permettono di investire in una gamma pi\u00f9 ampia di attivit\u00e0, mentre Alpian si limita agli ETF.<\/li>\n\n\n\n<li>Alpian e Selma conservano i beni investiti tramite Interactive Brokers fuori dalla Svizzera, mentre Neon, Yuh e Swissquote conservano i titoli in Svizzera.<\/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\">Che tipo di investitore \u00e8 Alpian?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Raccomandazioni<\/div>\t<\/div><\/div>\n<p>Ogni piattaforma risponde a esigenze specifiche.<\/p>\n\n<p><strong>Alpian \u00e8 adatto a:<\/strong><br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Investitori che cercano un supporto umano e una gestione semi-attiva.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Chi vuole delegare la gestione mantenendo un certo grado di flessibilit\u00e0 strategica.<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Chi preferisce un quadro strutturato piuttosto che scegliere da solo i propri investimenti.<\/p>\n\n<p><strong>Alpian non \u00e8 ideale per:<\/strong><br\/>\u2718 Coloro che vogliono investire attivamente in azioni, obbligazioni o criptovalute.<br\/>\u2718 Gli investitori che vogliono minimizzare le commissioni a tutti i costi.<br\/>\u2718 Coloro che vogliono che il loro patrimonio investito sia conservato in Svizzera.<\/p>\n\n<p><strong>Confronto rapido con i concorrenti in Svizzera:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Neon Invest e Yuh Invest<\/strong> \u2192 Ideali per gli <strong>investitori indipendenti<\/strong> che vogliono scegliere i propri asset e gestire autonomamente gli acquisti e le vendite a costi contenuti.<br\/><\/li>\n\n\n\n<li><strong>Swissquote<\/strong> \u2192 Soluzione completa per <strong>trader esperti<\/strong>, con un&#8217;ampia gamma di asset e strumenti avanzati, ma a costi pi\u00f9 elevati.<br\/><\/li>\n\n\n\n<li><strong>Selma<\/strong> \u2192 Adatto a chi vuole una <strong>gestione passiva con un robo-advisor<\/strong>, senza intervento umano e con commissioni pi\u00f9 basse rispetto ad 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\/Posizionamento-Delle-Piattaforme-Di-Investimento-Concorrenti-\u2013-Alpian-VS.png\" data-src=\"\" alt=\"\" loading=\"lazy\" height=\"1324\"><\/div>\n\n<p class=\"has-text-align-center has-small-font-size\">Immagine: heyneo.ch, grado di personalizzazione delle piattaforme di investimento in concorrenza con Alpian<\/p>\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\">Conclusione: Alpian fa al caso tuo?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Conclusione<\/div>\t<\/div><\/div>\n<p>Investire non \u00e8 solo <strong>una questione di rendimento o di costi<\/strong>. \u00c8 anche una questione di metodo e di fiducia nello strumento che si utilizza. Con Alpian deleghiamo una parte del lavoro, pur mantenendo l&#8217;influenza sulla strategia di investimento.  <\/p>\n\n<p>Questo posizionamento tra gestione autonoma e guida esperta ha senso per chi vuole un monitoraggio personalizzato senza dover gestire in prima persona ogni operazione. Ma tutto dipende da come consideri il tuo investimento. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"quand-alpian-est-elle-le-bon-choix\"><strong>Quando Alpian \u00e8 la scelta giusta?<\/strong><\/h3>\n\n<p>Se preferisci una gestione strutturata con un supporto umano, Alpian offre un&#8217;alternativa ai robo-advisor impersonali. Alpian ha <strong>molti requisiti<\/strong>. Offre una gestione strutturata e adattabile, un supporto umano e strategie su misura per il mercato. <\/p>\n\n<p>A partire da CHF 10.000, Alpian offre una maggiore flessibilit\u00e0 nella gestione del portafoglio, con una diversificazione automatizzata.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"ce-qu-il-faut-savoir-ou-se-demander-si-on-hesite\"><strong>Quello che devi sapere o chiederti se stai esitando:<\/strong><\/h3>\n\n<p>Alpian non \u00e8 necessariamente pensato per tutti. Non \u00e8 possibile acquistare singole azioni, n\u00e9 investire direttamente in criptovalute o altre classi di attivit\u00e0. Tutto si basa su portafogli di ETF selezionati dall&#8217;algoritmo e regolati dagli specialisti finanziari di Alpian.  <\/p>\n\n<p>Le commissioni annuali coprono l&#8217;intero servizio, ma rimangono superiori a quelle di un robo-advisor come Selma (0,47%), o di un broker come Neon Invest e Yuh, dove i costi sono legati unicamente agli ordini effettuati. Soluzioni come True Wealth propongono una gestione automatizzata pi\u00f9 flessibile, ma senza l&#8217;assistenza umana offerta da Alpian. <\/p>\n\n<p>Infine, c&#8217;\u00e8 la questione della conservazione del patrimonio investito. A differenza di Swissquote o Neon Invest, Alpian conserva le sue azioni presso Interactive Brokers (fuori dalla Svizzera). \u00c8 un vero problema? <strong><g id=\"gid_1\">Non lo \u00e8 affatto.<\/g><\/strong>No, ma \u00e8 una differenza da tenere in considerazione se vuoi assolutamente che i tuoi titoli rimangano depositati in loco.  <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"la-decision-vous-revient\"><strong>La decisione spetta a te:<\/strong><\/h3>\n\n<p>Alpian \u00e8 la soluzione ideale se vuoi <strong>delegare in modo intelligente<\/strong> o se hai bisogno di supporto (Guided by Alpian). Con i mandati di gestione, l&#8217;investimento \u00e8 guidato da esperti, ma <strong>tu mantieni un <a href=\"https:\/\/heyneo.ch\/it\/notizie\/private-banking-svizzero\/\">margine di controllo<\/a><\/strong> regolando la tua allocazione o il livello di rischio. Si tratta di un buon equilibrio tra supporto umano e autonomia, senza dover ricorrere a <g id=\"gid_3\">una banca privata tradizionale<\/g>.  <\/p>\n\n<p>Al contrario, se preferisci gestire da solo i tuoi ordini, scegliere liberamente i titoli e mantenere i costi al minimo, soluzioni come Neon, Yuh o Swissquote saranno pi\u00f9 adatte.<\/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-553152e805ac05c1b86572f6d419153d\" style=\"font-size:22px\"><strong>Codice Promo Alpian Investimento<\/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=\"Logo dell'app di Alpian swiss private bank\" 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 \">Usa il codice promo <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">ALPHEY<\/mark><\/strong> per <ins><strong>ricevere 120 CHF<\/strong> <ins>(55 CHF con un deposito di 500 CHF entro 30 giorni dall&#8217;apertura del conto, e fino a 65 CHF di credito sulle commissioni di investimento)<\/ins>.<\/ins><br\/><br\/>Conto gratuito <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>Ricevi 120 CHF<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n<\/div>\n\n<p><a href=\"https:\/\/heyneo.ch\/it\/codice-sconto\/alpian\/\" type=\"post\" id=\"16333\">Codice promozionale Alpian: tutte le informazioni<\/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\">Da leggere anche<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/heyneo.ch\/it\/servizio\/yuh-investimenti\/\">Recensioni e test di Yuh Investissement &amp; Trading<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/it\/servizio\/neon-investimenti\/\">Recensioni e test su Neon Investissement &amp; Trading<\/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>.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;}#gspb_container-id-gsbp-121f2018-0d2f.gspb_container{box-sizing:border-box;}<\/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\">Cosa ne pensi di Alpian per i tuoi investimenti?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Cosa ne pensi di Alpian per i tuoi investimenti?<\/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>L&#8217;applicazione. Alpian ti ha reso pi\u00f9 facile investire? <\/li>\n\n\n\n<li>Quali funzionalit\u00e0 vorresti personalizzare o migliorare?  <\/li>\n\n\n\n<li>Come hai utilizzato i consigli offerti da Alpian?<\/li>\n\n\n\n<li>Hai mai messo alla prova le conoscenze del tuo consigliere alpino con domande a trabocchetto?<\/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-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-IT-court-1.gif\" data-src=\"\" alt=\"Opinioni e commenti degli utenti\" 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 - Investimenti e Trading: criteri chiave<\/div>La migliore banca online per investire? Alpian, la neobanca privata svizzera 100% digitale, si distingue per un approccio unico. Analisi dei vantaggi, dei mandati di gestione, dei limiti e delle tariffe: analizziamo tutto per farti risparmiare tempo. Utilizza il codice promozionale ALPHEY all'apertura del tuo conto per ricevere 120 CHF (55 CHF con un deposito di 500 CHF, e fino a 65 CHF di credito sulle spese di investimento). Si parte!   <\/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>Sicurezza degli investimenti<\/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>Tasse<\/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>Reddito da investimento<\/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>Criptovalute<\/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>Caratteristiche del trading<\/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>Formazione<\/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>Assistenza clienti<\/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>Aprire un conto<\/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>La migliore banca online per investire? Alpian, la neobanca privata svizzera 100% digitale, si distingue per un <strong>approccio unico<\/strong>. Analisi dei vantaggi, dei mandati di gestione, dei limiti e delle tariffe: analizziamo tutto per farti risparmiare tempo. \ud83d\udcb0 Utilizza il <strong>codice promozionale<\/strong> <strong>ALPHEY<\/strong> all&#8217;apertura del tuo conto per <strong>ricevere<\/strong> <strong>120 CHF<\/strong> (55 CHF con un deposito di 500 CHF, e fino a 65 CHF di credito sulle spese di investimento). Si parte!   <\/p>\n","protected":false},"author":1,"featured_media":19562,"comment_status":"open","ping_status":"closed","template":"","meta":{"_gspb_post_css":"","_lmt_disableupdate":"","_lmt_disable":""},"store":[],"product_brand":[],"product_cat":[682],"product_tag":[],"class_list":{"0":"post-14517","1":"product","2":"type-product","3":"status-publish","4":"has-post-thumbnail","6":"product_cat-investimenti-e-trading","8":"first","9":"instock","10":"shipping-taxable","11":"product-type-external"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Investire con Alpian a Maggio 2026, ricevi 120 CHF<\/title>\n<meta name=\"description\" content=\"Investire con Alpian nel 2026: il nostro test completo. 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