In late 2022, Alpian became Switzerland’s first digital private bank. But what exactly sets it apart from the traditional private banks and generic wealth management services? More importantly, what makes investing with Alpian the right choice for you?
Undoubtedly, investing is a powerful tool to create wealth. However, not knowing how or why your money is invested in an ever-changing financial landscape can leave you feeling uncertain and disconnected.
What makes investing so challenging?
Leaving your hard-earned money to market forces can feel like a daunting ask. With the recent surge in banking and investing innovations, starting your investing journey is easier than ever.
However, greater access doesn’t guarantee the best results. Even today, the journey to investing must overcome some fundamental challenges.
The anxiety of uncertain markets.
Investing should never feel like riding a rollercoaster, where every twist and turn is unpredictable, and there’s always a lingering feeling of danger.
Conventional investing in a volatile market can invoke similar feelings of dread. After all, your hard-earned money is at stake. And so are your mental health and financial confidence.
Mismatched goals.
How and what you invest in are based on several factors. And many of them are personal.
Imagine having one size of clothing for the entire global population. Sounds uncomfortable, doesn’t it?
Without a tailored investing approach that considers several factors including your needs, goals and values, the sense of uncertainty is only heightened and could lead to suboptimal results or knee-jerk reactions to market fluctuations.
A lack of expertise.
Investing can get really complicated, really fast.
While there are several resources out there to help you become a savvy investor, without the right expertise and experience, it can often feel like navigating through a dark forest.
Making an informed investing decision, especially during market ups and downs, usually requires access to specialised guidance, which most investing services fail to provide. This often results in missed opportunities and costly mistakes.
Investing with Alpian.
Alpian solves these fundamental investing roadblocks by reimagining the entire approach to investing.
Simply put, the Alpian approach centres around the client’s core needs, where investing isn’t just about numbers on a screen but a personalised path to financial success.
A tailored strategy.
As an Alpian client, you would start by crafting a bespoke investment strategy that reflects your goals and risk tolerance.
- Aligned with Alpian’s investing philosophy, this long-term plan goes beyond just numbers. By collaborating with Alpian’s experts, you can inform your investor profile with a vast number of insights.
- Alpian also believes that unless two investors are exactly alike, they should have different asset allocations. This approach allows Alpian to factor in your unique perception of gains and losses that are influenced by your background and experiences. By doing so, Alpian ensures that your investment strategy remains resilient even during market turbulence.
Expert implementation.
Once your personalised strategy is defined, Alpian’s investment experts transform it into a tangible portfolio.
To do this, Alpian partners with an ecosystem of carefully selected investment specialists.
Unlike many banking and investing services, Alpian doesn’t offer their own products. They source the best investment options from the global market.
Every investment choice on their platform meets three fundamental requirements:
- Managed in their client’s best interest.
- Managed at a fair price.
- Managed by experts with a robust investment process.
This high level of objectivity and transparency ensures that the investments are always in the best interest of their clients.
For example, when selecting a third-party fund, it is customary for the distributor to ask for retrocessions or placement fees. However, Alpian not only refuses retrocessions but also uses their bargaining power to negotiate fees on behalf of clients. In many cases, they can provide clients access to conditions that are typically reserved for pension funds or large institutions.
In what we invest. And why.
Alpian’s investment philosophy revolves around exposing you to the growth of global economies by diversifying your capital across various asset classes to replicate the performance of financial markets closely.
Over the short term, portfolio performance may fluctuate, similar to the markets. However, over the long term, this can be a rewarding strategy. After all, why would the world economically stop?
Alpian can invest in up to 21 different sub-asset classes, ranging from equity to fixed income, commodities, and digital assets. All products are selected with your best interest in mind and have daily liquidity.
Adjustments to the strategy.
Flexibility is key to Alpian’s approach. Alpian’s investment team can adjust your investment strategy from time to time, within predetermined limits (+/-10%), to enhance returns without deviating from the core plan. The added value of the team lies in:
The selection of investments:
The team conducts in-depth due diligence to choose among the thousands of available ETFs and mutual funds, determining which ones will be included in the portfolio.
The hedging strategy:
Currency risk can have a significant impact on portfolios – the strength of the Swiss Franc has posed challenges for Swiss investors in the past 20 years. The Alpian team employs strategies to mitigate its effects.
The tactical bias:
The investment team can supplement the core strategy with tactical biases, such as underweighting or overweighting certain asset classes to capture short-term opportunities in the markets or to help portfolios navigate challenging economic environments.
Open communication.
Transparency is the foundation of trust, and Alpian knows this well.
All information regarding your portfolio’s construction, performance, and costs is readily accessible. This open communication fosters a meaningful and enduring relationship between you and Alpian. You can even speak to an Alpian expert free of cost before becoming a client.
Getting started with Alpian.
Ready to start your journey towards financial empowerment with Alpian? As a Swiss resident, you can follow these simple steps:
Step 1: Download the Alpian app and open an account within minutes.
Step 2: Fund your account with your preferred amount.
Step 3: Complete a brief survey on the app to provide insights into your financial aspirations. At any point, you can schedule a call with Alpian’s experts for personalised guidance.
Step 4: Alpian’s experts will craft a personalized investment strategy just for you.
Step 5: Watch your strategy transform into a tangible portfolio, carefully managed by Alpian’s network of investment specialists.
The journey to financial growth is never a straight line. But with an approach that combines your needs and goals with the expertise of an entire team of experts, Alpian ensures that your financial journey is always on the right track.
Craving for more?
You want to invest. But what now?
Our next article breaks down everything you need to know about the two most famous ways to invest with experienced professionals: Discretionary and advisory investment mandates!
