La nostra opinione su Alpian Global Very dynamic
A private bank 3a at 0.75% total cost. No track record yet. Is prestige worth the premium?
Alpian Global Very dynamic ranks #14 among 67 3a investment funds in Switzerland. It's the newest entrant in our top 15 and the most expensive, with a total cost of 0.75%. Alpian positions itself as digital private banking, bringing wealth management expertise to 3a. The pitch is compelling, but without any performance data, you're buying a promise.
What Are You Actually Paying For?
Total cost: 0.75% (0.15% TER plus 0.60% flat fee). That's nearly double what VIAC charges (0.41%) and 70% more than frankly (0.44%). On a CHF 100,000 portfolio, you'd pay CHF 750 versus CHF 410 at VIAC. Over 30 years, that CHF 340 annual difference compounds to approximately CHF 15,000-20,000 in lost returns.
Alpian argues the premium covers private banking-grade portfolio construction. But the fund is passively managed, which means you're not paying for active stock picking. The premium appears to be for the Alpian platform and brand rather than superior fund management.
What Actually Stands Out
Digital private banking is Alpian's pitch. You get a dedicated advisor, multilingual support (EN, FR, DE, IT), and a polished app experience. For investors who want the hand-holding of private banking without the CHF 500,000+ minimum, Alpian makes wealth management accessible.
The fund structure is passive and globally diversified. Alpian doesn't try to beat the market through stock picking, which is intellectually honest. The "Very dynamic" label suggests high equity allocation, though exact breakdowns aren't as transparent as competitors. FINMA licensing ensures regulatory compliance.
What Most Reviews Miss
There is no performance track record. Zero. You can't evaluate whether the fund's construction, rebalancing, or underlying holdings deliver competitive returns. Every other fund in the top 15 has at least three years of data. Alpian is asking you to trust the brand without evidence.
The 0.60% flat fee is the highest of any digital 3a provider. For comparison, VIAC charges 0.28-0.40% and frankly charges 0.44%. If Alpian's underlying fund performance merely matches broad indices (which passive funds should), the fee gap will directly reduce your net return versus cheaper alternatives.
The Bottom Line
Alpian is an interesting concept for investors who value the private banking experience in a 3a wrapper. But until there's actual performance data, you're paying a premium for a promise. For most investors, proven providers with track records and lower fees are the rational choice. Review all options at our best Pillar 3a products in Switzerland page.
Verdict: Wait for performance data. The premium pricing needs to be justified by results, and right now there are none to evaluate.
Pro
- No custody fee
Contro
- High flat fee (0.60%)
- Limited track record (no 5-year data)
- No swing pricing protection
Dettagli del prodotto
In sintesi
- TER: 0.15%
- Passive/Index strategy
- No custody fee
Fund Details & Allocation
Fund Details & Allocation
Allocazione degli asset
Strategia di investimento
Fondo gestito passivamente
Banca depositaria
Reyl Intesa Sanpaolo
Swing Pricing
No
Commissioni e costi
Commissioni e costi
TER
0.15%
Commissione forfettaria
0.60%
Commissione di custodia
Gratuito
Performance nel tempo
Performance storica di questo fondo di investimento. Le performance passate non sono indicative dei risultati futuri.
Proiezione pensionistica
Basato su un contributo max. di CHF 7'258/anno, età 30 a 65 (35 anni), partendo da CHF 0.
Confronta con prodotti simili
Domande frequenti
- What is the maximum annual Pillar 3a contribution?
- For employees with a pension fund, the maximum is CHF 7,258 per year (2025). Self-employed without a pension fund can contribute up to 20% of net income, max CHF 35,288. These amounts are fully tax-deductible.
- What are the tax benefits of this Pillar 3a product?
- Contributions to Alpian Global Very dynamic are fully deductible from your taxable income. Interest and returns grow tax-free. You only pay tax at a reduced rate when you withdraw at retirement.
- Can I transfer to Alpian Global Very dynamic from another provider?
- Yes, you can transfer your 3a balance to Alpian Global Very dynamic at any time without tax consequences, and Alpian charges no transfer or closure fee.
- Should I choose a savings account or investment fund for my 3a?
- Savings accounts offer guaranteed returns with zero risk — ideal if you're close to retirement. Investment funds provide higher growth potential but with market risk — ideal for 10+ year horizons. Many Swiss residents split their contributions between both.
Come abbiamo valutato questo prodotto
Alpian Global Very dynamic è stato valutato come prodotto utilizzando il nostro sistema di punteggio ponderato.
Le valutazioni vengono aggiornate mensilmente sulla base dei dati più recenti disponibili. Tutti i prodotti vengono valutati con la stessa metodologia.
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