Children's Account
The best thing you'll ever give your child
isn't money. It's a 30-year head start.
A few francs a month, starting today. By the time they're ready for their first home, it could be a real down payment — not a wish.
Free to download · about 9 minutes to set up · pause anytime
When I was a child, a savings account was all my parents could do for me. Today we can do so much more — and the francs you invest earliest are the ones that grow the most. I invest for my own child and godchild every month. Not because I have to — because it's the best head start I know how to give them. I'd love for you to start that journey for yours.
What a head start really buys
Not a number. A life with
more open doors.
The same small habit, seen through the moments that will actually matter to your child.
Room to choose
Study abroad. A gap year. Their first venture — without a loan as the starting line.
A running start
The freedom to take the right job — not just the one that pays rent this month.
The keys to their first home
A real down payment toward a place of their own — because you started this when they were small.
The habit carries on
At 18 your child takes the wheel and keeps the habit going — say CHF 200/mo through their twenties, CHF 500/mo as a first home nears. The pot you started compounds right alongside — that's why 30 dwarfs 18.
Hand over the lesson
One day you open the app together and show them: everything in life compounds — money, and what you know. Then they take the wheel, or you keep going for them.
The 18 figure comes from what you set above. At 25 and 30 we assume your child carries the habit on — about CHF 200/mo through their twenties, CHF 500/mo as a first home nears. All at 7% p.a., illustrative.
You don't have to be the finance expert. We've got that part covered.
Most parents feel unsure about teaching their child money — yet it's one of the most important gifts you can give. That's where we come in: arvy is your helping hand at every step — an in-depth guide for you, and the one book to read together with your child. You'll always know what you own, and why.
The two questions every parent asks
"Savings feel safer" and
"what if the market crashes?"
Both are answered by the same maths — and by the fact that the account stays in your name.
more for your child over 18 years — same CHF 100 / month, simply allowed to grow instead of sitting still.
A Swiss savings account pays near 0% today, while ~2% inflation quietly shrinks what it buys. Cash isn't unsafe — it just stands still while prices rise.
of -20%+ S&P 500 drawdowns in the past 50 years fully recovered within 1 – 5 years. An 18-year window outlasts every modern crash.
Why arvy
Four reasons parents choose us.
A portfolio you understand today — and can be proud to explain to your child one day.
You stay in control — even past 18.
The account is in your name. There's no automatic handover on their 18th birthday. You decide when to give it, in what form, and at which moment in their life — graduation, first apartment, or the keys to that first home.
How the handover works →Built for an 18-year head start.
A child’s time horizon is their superpower — so the account stays fully invested for maximum long-term compounding, put to work for the decades ahead. At twelve you can open the app together: “You own a slice of Visa — a few centimes every time anyone taps a card.” Time in the market does the rest.
We invest CHF 100'000+ right beside you.
Thierry, Patrick and Florian hold over CHF 100'000 of their own money in the very same portfolio your child will. When your child does well, so do we — and vice versa.
A helping hand — for you and your child.
You don't have to be the expert. A weekly story, read by 12'000+ Swiss investors, builds real understanding — not just of markets, but of money, psychology and how to think about it for life. It keeps you calm and confident through every cycle, and in twelve years it becomes your child's first teacher too — so they grow up understanding money, not fearing it. We're part of the journey — come rain, sun and snow.
It's a family effort
Grandparents and godparents
can give too.
Instead of the eighth cuddly toy — a gift that quietly grows for eighteen years. One IBAN, the reference "for [child's name]". That's all it takes.
Both simply stay invested for eighteen years.
The grandparents' CHF 5'000 becomes CHF 16'900 — it more than triples, simply because it had eighteen years to grow.
For grandparents
A gift between grandparents and grandchildren is tax-free in most Swiss cantons. CHF 1'000 at birth becomes CHF 3'380 at 18. CHF 10'000 becomes CHF 33'799.
Guide for grandparents →For godparents
CHF 200 a year from a godparent becomes CHF 6'800 by 18. CHF 500 a year becomes CHF 17'000 — a semester of study, or the deposit on a first car.
Guide for godparents →Three parents.
One quiet promise to their child.
No pitch — just what it feels like to start something small that grows up alongside them.
No minimum to begin
The smallest start.
The biggest head start.
Begin with as little as CHF 1 a month — no minimum balance, pause anytime. The earlier you start, the more of this their future self keeps.
The strategy
With eighteen years ahead,
time does the heavy lifting.
Over any eighteen-year window, a diversified portfolio of quality companies has historically rewarded patience. A long horizon is your child's biggest advantage — so we put it fully to work.
- Fully invested for maximum long-term compounding — put to work for the decades ahead
- Actively chosen and watched by three CFA Charterholders
- The strongest long-term growth potential for an 18-year horizon
- From CHF 1 a month — no minimum balance, pause anytime
Fees
Simple, fair, transparent.
You always know exactly what you pay — and what your child gets for it.
The base fee is 0.89%, reduced by 0.05% for each successful referral — down to 0.69%. 0% management fee for the first 6 months.
What's included?
- Professional management by three CFA Charterholders
- Co-investment: the founders hold CHF 100'000+ in the same portfolio
- The arvy Weekly company story — read by 12'000+ investors
- All transaction costs, custody fees and foreign-currency charges
- Your annual tax certificate, ready to file
FAQ
Frequently asked questions
Everything you need to know before you get started. If you still have questions, we're just a message away.
What if the market falls before my child turns 18?
Two reassurances. (1) You never have to sell at 18 — the account stays in your name, so if markets are low you simply wait. (2) Over 18 years of monthly investing, you buy at every kind of price along the way. Historically, every major market fall has recovered, and an 18-year horizon is long enough to ride them out.
What happens when my child turns 18?
Nothing automatic. The account stays in your name — no letter to your child, no automatic transfer. You decide when to give the portfolio: in full, in stages, or when the moment is right — graduation, first apartment, first home. Parent-to-child gifts are tax-free in almost every Swiss canton.
Is my child's money safe?
Your child's assets are held in a segregated account at Hypothekarbank Lenzburg — not on arvy's balance sheet. arvy is the manager, not a debtor, and is supervised by FINMA. If arvy ever stopped operating, the portfolio remains your property and can move to another manager.
Who pays the taxes?
Capital gains are tax-free in Switzerland. Dividends (~CHF 100 – 300 a year for typical balances) go in your tax return. Wealth tax on the value is ~CHF 50 – 150 a year. Small, next to what the money grows.
My child is already 8 — is it too late?
Not at all. The best time was at birth; the second-best is today. With ten years to 18, CHF 100 a month grows to around CHF 17'400 — and because the account keeps running past 18 in your name, the head start keeps compounding well beyond that.
Can I add a one-off amount later?
Yes. A birth gift, a money gift, or an inheritance can be added anytime. A CHF 10'000 start at birth plus CHF 100 a month becomes roughly CHF 77'000 by 18 — a lump sum at the start is especially powerful, because it has all eighteen years to grow.
Start today
The keys to their first home
could start with one dinner out a month.
Three simple steps, about nine minutes, then time and compounding do the rest.
BLOG
Latest investment stories & insights
We share captivating and educational stories about the markets and companies, every Friday, in less than 5 minutes. This will keep you up to date with what’s happening in the world and make you the smartest person in the room.
