Thank you very much for your insightful comment — it’s great to hear from someone who also uses Managed by Alpian.

You’re absolutely right about the fees. From my own portfolio, the Quarterly Management Fee entries confirm a 0.75% annual management fee, charged quarterly (around 0.1875% per quarter). For “Signature” clients, it’s indeed 0.69% per year. On top of that, there’s the TER of the ETFs used in the portfolio, usually between 0.10% and 0.30%, which brings the total cost close to 1%, as you mentioned.

Regarding the portfolio adjustments, what I’ve observed matches your description — small tactical reallocations, typically every couple of months. Alpian’s approach seems to favour strategic stability with limited active moves, which fits their digital private banking philosophy rather than short-term tactical trading.

Thanks again for sharing your experience — it’s always valuable to compare real-life feedback from other users!

Thanks a lot for your comment and for confirming this from a client’s perspective — that’s incredibly helpful.

If the app today only shows ITD (Inception-To-Date) performance without specifying that it’s TWR, and there’s no other breakdown (like TWR vs. MWR), then it’s fair to say that the methodology is unclear. You’re absolutely right: this makes it hard — if not impossible — to compare Alpian’s performance with other platforms that explicitly report TWR.

I originally received confirmation from Alpian that TWR was used, but clearly the current user experience doesn’t reflect that. I really appreciate your feedback, and I’ll update the review to flag this more transparently for readers.

Thank you for your comment, I double checked with Alpian and this is what they say: This refers to TWR performance (time-weighted), which is the industry-standard practice (per the GIPS recommendations). It allows you to compare one platform’s performance to another’s by excluding the impact of cash flows.