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arvy ETF savings plan

ETF savings plan from 0.39%. We pick the ETFs for you.

A starting amount from CHF 500, then invested automatically every week. Today with Founders’ picks, soon also purely through ETFs.

ETF savings plan Children's account Pension solution Pillar 3a Fees Investment strategies
Management fee per year
from0.39%Soon
Included in the price

Low-cost and transparent.

✓ Transactions · no fee per execution
✓ Custody · no separate custody fee
✓ Currency exchange · at institutional rates
✓ Tax statement · every year in the app
The ETF savings plan

You don’t have to compare anything.

01
We pick the ETFs
Which ETF, which share class, which fund domicile? Our experts choose the products for cost and tax.
02
Invested automatically
A starting amount from CHF 500, then invested automatically every week. Choose your amount, pause anytime.
03
Tax statement included
You get an e-tax statement from us that you upload to your tax return or read in by barcode. No typing.
What is your goal?
How we invest

Today with Founders’ picks. Soon also purely through ETFs.

Today you invest with Founders’ picks. World market (purely through ETFs) and World market + Founders’ picks are coming soon. You choose the variant in the app.

World market Soon

The whole world market through ETFs — automatic and low-cost.

0.39% management fee + 0.06% product costs What's included? →
What's inside?

Suits you if you want to invest broadly and as cost-efficiently as possible in the world market.

Building blocks
  • World equity ETF — broadly spread across the world equity market
  • Fixed-income ETF — adds stability to the portfolio

How much equity and fixed income it holds depends on your risk profile.

More about the ETF savings plan →
World market + Founders’ picks Soon

The world market, plus around 30 companies our founders hand-pick.

0.59% management fee + 0.12% product costs What's included? →
What's inside?

Suits you if you want the breadth of the market and also want to rely on our founders' selection.

Building blocks
  • World equity ETF — broadly spread across the world equity market
  • arvy equity fund — around 30 quality companies selected by our founders
  • Fixed-income ETF — adds stability to the portfolio
  • Flossbach von Storch — actively managed fixed-income fund

How much equity and fixed income it holds depends on your risk profile.

More about our investment style →
Founders’ picks

Every position picked by our founders — with their own money alongside yours.

0.79% management fee + 0.22% product costs What's included? →
What's inside?

Suits you if you want to rely entirely on hand-picked quality companies.

Building blocks
  • arvy equity fund — around 30 quality companies selected by our founders
  • Flossbach von Storch — actively managed fixed-income fund

How much equity and fixed income it holds depends on your risk profile.

More about our investment style →
Cost comparison

The lowest costs in our comparison.

Over ten years you pay CHF 1,261 with arvy. The next Swiss robo-advisor costs CHF 1,479, a classic bank mandate up to CHF 5,046.

Costs over ten yearsAll-in
arvy CHF 1,261 0.45% Fa CHF 1,479 0.49% V CHF 1,734 0.49% Fb CHF 1,899 0.60% T CHF 1,993 0.67% S CHF 2,656 0.90% I CHF 3,413 1.20% Bank mandate CHF 3,413–5,046 1.2–1.8%

Model calculation, not a forecast: CHF 10,000 start, CHF 200 per month, 5% return per year, 10 years. Providers by initials, as of September 2026. Assumptions in the detailed table.

Costs in detail Every cost item, assumption and source ShowHide
arvy compared with Swiss robo-advisors and a classic bank mandate · CHF 10,000 start, CHF 200 per month, 10 years
Provider All-in1 Management2 Stamp duty3 FX mark-ups4 Product costs5 Rebalancing6 Costs 10 years
arvy 0.45% 0.39% 0.15% included 0.06% none CHF 1,261
Fa 0.49% 0.39% 0.15% included 0.10% every time CHF 1,479
V 0.49% 0.25% 0.075% included 0.24% every time CHF 1,7347
Fb 0.60% 0.40% 0.15% 0.50% 0.20% every time CHF 1,899
T 0.67% 0.50% 0.15% 0.10% 0.17% every time CHF 1,993
S 0.90% 0.68% 0.15% 0.25% 0.22% every time CHF 2,656
I 1.20% 1.20% 0.15% included – every time CHF 3,413
Bank mandate8 1.2–1.8% 1.2–1.8% in total 0.15% — included every time CHF 3,413–5,046
  1. All-in: management fee plus product costs — the annual cost at a glance. Stamp duty, currency exchange and rebalancing come on top, depending on the provider.
  2. Management fee including custody fee.
  3. Swiss federal stamp duty: 0.15% on foreign, 0.075% on Swiss securities. It applies on purchases and sales and goes to the federal government, not to the provider.
  4. Global equities trade in foreign currencies, so every deposit is exchanged. Many providers add a mark-up to the exchange rate — at 0.50% that is around CHF 12 a year on CHF 200 a month. arvy exchanges at institutional rates, with a mark-up below one hundredth of a percent.
  5. Ongoing costs of the investment used (TER), charged within the fund price.
  6. Spreading money across several building blocks means rebalancing them regularly. Every adjustment triggers buys and sells with stamp duty, trading spreads and sometimes currency exchange — around 3 to 5 basis points a year. The arvy ETF savings plan is a single position.
  7. Includes an estimated withholding-tax disadvantage of 10 basis points a year on US dividends due to the fund domicile. Depends on the portfolio.
  8. Range for classic discretionary mandates at Swiss banks, including management and custody fees and product costs. Actual costs vary by bank, amount invested and negotiation.

Calculation: CHF 10,000 starting balance, CHF 200 per month, 5% return per year over 10 years. Model calculation, not a forecast. Provider names shortened to initials, identical initials distinguished by a and b. Competitor figures based on publicly available sources, as of September 2026.

Coming soon

Be first in line at launch.

World market and World market + Founders’ picks are coming to the arvy app soon. On the waitlist, you’ll be the first to know when it starts.

The first 500 ETF savings plans: 6 months without a management fee.
Free and non-binding.
No contractual lock-in

As flexible as your life.

✓
Pause anytime
✓
Adjust the amount
✓
Switch variant
carried out at the next rebalancing
✓
No minimum term
Why arvy

More than a robo-advisor.

The three founders each have CHF 100,000 of their own money invested — side by side with you. And you reach real people.

Florian · Patrick · Thierry
Meet the team →
How it works

Ready in three steps.

01
Download the app and register
In a few minutes.
02
Answer a few questions, choose your variant
The app recommends a risk profile.
03
Pay in and get started
From CHF 500, invested weekly.
Straight to the founders

Talk to people, not to a bot.

Book a no-obligation call with Florian, Patrick or Thierry — the three founders who manage your money.

Free · online · no obligation
Florian Jauch
Florian Jauch
Co-founder · CFA charterholder
Ran the asset management of one of the top-50 independent Swiss wealth managers.
Patrick Rissi
Patrick Rissi
Co-founder · CFA charterholder
Was lead manager of a European equity strategy and a stock picker at UBS Investment Bank.
Thierry Borgeat
Thierry Borgeat
Co-founder · CFA charterholder
Led equity and global-macro strategies at private banks and writes for NZZ The Market.

Three CFA charterholders from investment banking, private banking and asset management – with CHF 100,000 each of their own money in the same portfolios.

FAQ

Any questions?

How do the three variants differ?
World market invests through ETFs only. World market + Founders’ picks adds around 30 companies our founders pick. Founders’ picks relies entirely on those companies. World market and World market + Founders’ picks are coming soon.
Can I pause or switch?
Yes. You can pause at any time, adjust the amount or switch the variant; a switch is carried out at the next rebalancing. There is no minimum term.
How much risk do I take?
That depends on your risk profile. The app works it out with a few questions and recommends Cautious, Balanced or Growth.
What does it cost?
Depending on the variant, 0.39% + 0.06%, 0.59% + 0.12%, 0.79% + 0.22% or 0.39% + 0.24% per year (management fee + product costs). No fee per execution, no minimum term. The minimum investment is CHF 500.
Is my money safe?
arvy is supervised by FINMA. Your assets are held at a Swiss custodian bank and are in your name.
arvy ETF savings plan

Start today — and stay flexible.

Three variants, one app, pause anytime.

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