Is Personalised Investing Still a Luxury?

Whether It’s Fashion or Investing, One Size Does Not Fit All

Here’s a cautionary tale story from the world of wealth management. A young client approached his father’s wealth advisor, wanting an identical portfolio, believing that a portfolio that looked like his father’s would replicate his father’s success. The wealth advisor shook his head. He explained that despite their familial bond, their differences in age, risk tolerance, values, and financial goals meant they were very different as investors. Copying the father's portfolio wouldn’t guarantee the same success and could lead to higher risks, lower returns, and an uncomfortable investing journey for the son.

Thanks to years of experience, the advisor knew that following a pre-set investment template would not have served the young client effectively. The growing complexity of life and variations in personal goals have made a standardized approach to investing all but obsolete. However, if you’re looking for an alternative to the cookie-cutter investing approach that reflects your unique financial objectives, risk tolerance, and values, there’s good news.

Who Does a Standardised Investment Product Serve?

As lifestyles and personal goals become more nuanced and varied, a personalised investment strategy—one that reflects your unique financial objectives, risk tolerance, and values—has become not just preferable, but essential. Traditional wealth management solutions often rely on adhering to a formula: you complete a questionnaire, after which you are assigned to a pre-defined group of investors with similar characteristics. Your portfolio is built based on this grouping, often with the same asset allocation and risk profile as others in your demographic, with no consideration for critical differences in your financial situations.

What if your risk tolerance differs from others in your group? What if a standard asset allocation doesn’t reflect your values and beliefs? A cookie-cutter approach can miss the nuances critical to your financial success. But not having to ask these questions does make the job easier for large institutions, doesn’t it? Segmenting clients into chunks of statistical information makes it easier to process more clients and generate more profit. The trade-off? It often leads to an investment journey that can be summarised in one painful word – average.

Why Alpian is the future of personalised investing

From its inception, Alpian’s mission has always been to make personalised investing more accessible, which means you don’t need to spend millions to access investment services that account for your specific needs. Alpian’s approach marries technology with expert human insight to create investment portfolios that are as unique as you are.

This personalisation goes beyond just selecting the right level of risk. Through a few taps and slides on the Alpian app, you can align your investments with your values—whether it’s excluding specific geographies, asset classes and industries or focusing on sustainability and ethical investing. Alpian’s hyper-personalised approach ensures that your portfolio goes beyond wealth generation to reflect who you are and what matters most to you.

Technology with a Human Touch

It all begins with the cutting-edge technology behind Alpian, which crafts portfolios based on your individual needs. The process is simple: download the app, provide information about your goals, preferences, and risk appetite, and Alpian’s system generates an investment strategy that fits you like a glove. And that’s just the beginning.  Later, you can further customize your strategy, choosing asset classes and geographies to include or exclude, defining your desired impact on investments, and much more.

Apart from that, what truly sets them apart from all the robo-advisors flooding the financial market is dedicated team of investment specialists working at Alpian. They go a step further, using their tactical biases to adjust your portfolio based on market conditions and opportunities. With real wealth management specialists managing your investments, Alpian ensures that your investments always align with your long-term objectives and short-term realities. The result is a portfolio that starts out personalised and remains adaptive over time.

Keeping Your Portfolio Future-Proof

Once your personalised portfolio is established, Alpian’s work doesn’t stop. Markets can often be unpredictable, and it takes experience and skill to protect and grow investments through turbulent market changes. Regular reviews and updates ensure your investment strategy remains in line with your evolving needs and market dynamics. With Alpian, your portfolio doesn’t just stand the test of time—it thrives in changing environments. 

The Cost Efficiency of Personalisation

Personalised investing services have conventionally come with heavy price tags. That’s not the case with either of Alpian’s primary investment mandates. Whether you opt for the Managed by Alpian service, where your portfolio is expertly guided by Alpian’s team, or Guided by Alpian, which grants you complete control with expert support, you'll enjoy top-tier, customised investment solutions at a fraction of the cost typically charged by traditional private banks.

Move Beyond the Template

Ultimately, wealth management is about you and your needs. What could be more valuable? With so much on the line, settling for a standardised investment product is almost akin to settling for an inferior version of your future. Your financial goals, risk tolerance, and values are unique to you, and your investment strategy should reflect that. Alpian’s personalised approach provides the customisation you need, whether your aim is to grow your wealth, secure your lifestyle, or align your investments with your ethical beliefs. In a world where your situation and needs are more nuanced than ever before, why settle for anything less than a genuinely personalised investment solution?

Learn More & Get Started

Choosing a partner to manage your money is a significant step. Consider what matters to you, and don’t shy away from first-hand research. Start with Alpian and dive deeper to make an informed decision.

Use our code LUXMAG to benefit from special conditions, including 100 CHF offered when you open your free Alpian account. Enter the code during signup and start investing today!

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