Children's Account
CHF 50/month from birth.
CHF 46,000 at 18.
Your child becomes co-owner of ~30 of the world's best companies.
The founders invest CHF 100,000+ of their own money in the same portfolio.
What your monthly amount becomes
The power of time and compound interest
At 7% average annual return. Capital gains tax-free in Switzerland.
Savings account vs. Investing:
CHF 22,400 difference
Same CHF 100/month. Same 18 years. But a savings account loses to
inflation — while invested money works for your child.
Benefits
Why a children's account with arvy?
No anonymous ETF. No bank product. A portfolio you understand —
and one day explain to your child.
Three parents. Three stories.
One regret they all share.
No product pitch — just the truth about time, compound interest, and CHF 50/month.
Your library
Everything you need to know
8 guides, 1 interactive calculator, 1 book club. By the team behind 30+ NZZ The Market analyses.
Set up a children's account in 10 minutes
No paperwork. No bank appointment. Everything digital.
1. Download the app
Free for iOS and Android. Open an account directly in the app — have your ID ready.
2. Choose growth profile
100% equities for the longest time horizon. ~30 quality companies we share with you.
3. Set up standing order & relax
From CHF 50/month. Sit back and let 18 years of compound interest do the work. 0% management fee for the first 3 months.
It is easier than you think!
Watch your money grow. Download the app now and start
taking control of your money today!
Testimonials
What our clients say
Vanessa Rüegg
”Arvy impresses with its innovative solutions that make investing accessible and understandable. I especially like the combination of excellent customer service and an informative newsletter that offers education, inspiration and entertainment. The simple and intuitive design makes investing a real lifestyle. A great all-in-one solution for anyone looking to enter the world of investing or modernize their strategy!”
Matt Schellenberg
”A great new platform that's committed to taking users on a journey with exciting and entertaining knowledge. I look forward to the arvy Weekly newsletter and the background information on investments every Friday.”
Leroy Bächtold
”Arvy is an absolutely innovative company! I'm particularly impressed by the newsletter, which not only informs but also inspires and entertains. A fantastic lifestyle investment product that breathes fresh air into the financial world!”
Tim Odermatt
”A competent, innovative, and reputable team that provides exciting background information on investing in a new format.”
Kevin Gianom
”Absolutely great! I‘m really happy that I went with arvy. Easy to invest, great customer support and I‘m extremely impressed with the performance of my investment. Being in the top 10% of funds is no coincidence.”
FEES
Simple, fair and transparent
You know exactly what you pay — and what you get for it. No hidden fees.
Annual all-in
0.84% – 1.11%
Management (0.69–0.89%) + product costs (0.15–0.22%).
Decreases by 0.05% per referral.
0% management fee for the first 3 months.
What's included?
- Professional management by 3 CFA Charterholders
- Co-investment: the founders invest CHF 100,000+ in the same portfolio
- Weekly company analysis (arvy Weekly, 12,000+ readers)
- All transaction costs, custody fees and FX charges
- Tax certificate
Refferal
Boost your returns together
Invite up to 4 friends and increase your net returns — your management fee can drop to just 0.69% per year.
With arvy, investing gets better together. Each friend you invite helps you keep more of your gains. Share your personal referral code, and when your friend invests at least CHF 5,000, your annual fee decreases by 0.05%.
Start sharing and enjoy the benefits of growing the arvy community!
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.
FAQ
Children's account: Your questions, honestly answered
From taxes to ownership to the 18th birthday.
Whose name is the account in?+
Your name (parent). The money is held at Hypothekarbank Lenzburg in a segregated account. You retain full control — no automatic access at 18, no KESB involvement. You decide when, how much, and in what form to transfer.
What happens when my child turns 18?+
Nothing automatic. The account continues in your name. You can transfer in full or in part — or simply let it keep running. No obligation to hand over.
Who pays tax?+
Capital gains: Tax-free. Dividends (~CHF 100–300/year) declared in your tax return. Wealth tax: ~CHF 50–150/year. Negligible. → Complete tax & legal guide
Can grandparents and godparents contribute?+
Yes. Transfer to your arvy account with the note "for [child's name]." No gift tax in most cantons. CHF 1,000 at birth becomes ~CHF 3,400 at 18. → Guide for grandparents
What if the market crashes?+
Over 18 years of monthly investing, you buy at many prices — a crash is a buying opportunity. You don't have to sell at 18. Every 15+ year period in broad equity markets has been positive historically.
Can I change or pause the amount?+
Anytime. The standing order runs at your bank — increase, reduce or pause. No lock-in. Withdrawals can be requested at any time in the app.
Why is arvy more expensive than ETF providers?+
Your child owns ~30 hand-picked quality companies, managed by 3 CFA Charterholders who invest their own money. You get a weekly analysis. Quality costs more than an algorithm — but has historically delivered more over 18 years. → Children's account comparison 2026
Is 7% return realistic?+
7% is the long-term average of global equity markets over 30+ years. Quality portfolios have historically returned 8–9%. Adjust from 3–10% in our calculator. Capital gains are tax-free.
We are here to help!