Arvy equity fund

A high-conviction global equity fund of ~30–35 iconic, quality companies—picked to grow your wealth over the long term.

Individuals who want simple, professional stock-market exposure without picking shares themselves, and anyone who prefers to invest directly through their existing bank account, no app required.

Buy units from our fund through your bank/securities account. Search “arvy Equity” (or the ISIN shown on the page) and place a purchase.

You can start with a single fund unit. 1 fund unit equals to 10 CHF/USD/EUR.

A simple ongoing management fee for the equity fund of 1%/per year, with 0% performance fee. TER (total expense ratio) is 1.22%. Your bank may add its usual transaction/ custody fees.

USD plus CHF hedged and EUR hedged share classes, so you can choose what fits your base currency.

The arvy equity fund is registered for distribution in Switzerland, Germany, Austria, and Liechtenstein and is available through a wide range of banks and platforms. All you need is a securities account (Depot).

🇨🇭 Switzerland

The fund is available through all Swiss banks: UBS, ZKB, Raiffeisen, all cantonal banks, private banks, and more. Search for Valor 130614478 (CHF hedged) or 130614480 (USD).

Swissquote: The fund is available but only appears in the securities search after logging in. Please enter the Valor or ISIN directly.

Or invest directly via the arvy app — with savings plan, Pillar 3a, and equity fund all in one app, starting from CHF 100.

🇩🇪 Germany

The fund is tradable on all major German platforms. Search for WKN A3EK6M or ISIN LI1306144810 (EUR hedged):

Comdirect (Commerzbank) — please use the website platform, not the app. As well as: FFB (Fidelity), Ebase (FNZ Group), Fondsdepotbank (FNZ Group), DAB Bank (BNP Paribas), V-Bank, DWP (Sparkassen platform), and Attrax (cooperative banks/Volksbanken). This means: the fund is accessible at your Sparkasse, Volksbank, Raiffeisenbank, and most independent asset managers.

German private investors benefit from the 30% Teilfreistellung (partial tax exemption — the maximum rate for equity funds).

🇦🇹 Austria & 🇱🇮 Liechtenstein

The fund is registered for distribution and available through banks with access to the platforms listed above.

All share classes:

Minimum investment: 1 fund unit (≈ CHF/USD/EUR 11). Liquidity: Daily.

Our arvy equity strategy uniquely focuses on quality large and mega-cap investments, combining active management with a blend of fundamental and technical analysis. Our “Good Story & Good Chart” approach is underpinned by a decade-developed proprietary screening model. With a trader’s mindset, we make tactical adjustments to navigate market dynamics effectively. This strategy ensures a balance of long-term stability with the agility to respond to evolving market opportunities.

Yes. You can sell on any business day; proceeds typically reach your bank account within a few days.

Discount brokers like Interactive Brokers, Trade Republic, Scalable Capital, and Charles Schwab operate with low-fee models and therefore offer a limited fund universe. The arvy equity fund is currently not available on these platforms.

Here’s how you can still invest:

In Switzerland: The fund is available through all Swiss banks (UBS, ZKB, Raiffeisen, cantonal banks, etc.). It is also available on Swissquote — however, you need to log in and search for the Valor number (130614478 for CHF hedged) or ISIN in the securities search. The fund does not appear in the public search without logging in.

In Germany: The fund is available via Comdirect (website platform, not the app), all Sparkassen (via DWP), Volksbanken/Raiffeisenbanken (via Attrax), as well as FFB, Ebase, Fondsdepotbank, DAB Bank, and V-Bank. Search for WKN A3EK6M or ISIN LI1306144810 (EUR hedged).

In Austria: The fund is available through Austrian banks with access to the platforms listed above.Alternatively: Download the arvy app and invest directly through our platform — starting from CHF 100, no existing brokerage account required.

The arvy equity fund is classified as an Aktienfonds (equity fund) under German tax law. This means you benefit from the 30% Teilfreistellung (partial tax exemption) — the maximum rate available to private investors.

In practice: only 70% of your returns (capital gains, advance lump sums, and distributions) are subject to the Abgeltungssteuer (flat-rate withholding tax). 30% are tax-exempt. By comparison, mixed funds (Mischfonds) only qualify for a 15% exemption, and bond funds for 0%.

The fund is accumulating (returns are automatically reinvested) and available on all major German platforms:

How to buy: Search for WKN A3EK6M or ISIN LI1306144810 (EUR hedged) in your bank’s securities search and place a buy order. Minimum investment: 1 fund unit (≈ EUR 11). For Comdirect, please use the website platform (not the app), as the fund is directly accessible via the securities search there.

Yes — the arvy equity fund is ideally suited for regular investing via a savings plan.

Our strategy is built on buying and holding quality companies: We invest in around 30 of the world’s best businesses — companies with strong brands, high margins, stable cash flows, and sustainable growth. These so-called compounders don’t generate returns through short-term trading, but through the compounding effect over years and decades. That’s exactly what makes them the perfect foundation for a savings plan.

Why is this such a good fit?

Compounding meets compounding: Compounder stocks grow their intrinsic value over time. When you also invest regularly, the effect multiplies — your money grows on two levels simultaneously.

Cost-average effect: With a savings plan, you automatically buy more units when prices are low and fewer when prices are high. Over time, this creates a favourable average purchase price. You don’t need to find the “perfect entry point” — which, in practice, doesn’t exist anyway.

Discipline without effort: A savings plan runs automatically. No “Should I buy now?”, no “Is the market too high?”. You invest regularly regardless of market movements — exactly what produces the highest long-term returns.

Low entry: One fund unit costs approximately EUR 11. Savings plans start from as little as EUR 25/month depending on the platform. You don’t need a large starting capital.

Accumulating: The fund is accumulating — all returns are automatically reinvested, maximising the compounding effect. You don’t need to do anything.

Example: EUR 200/month over 20 years

* Assumption: 7% average annual return (historical average for global equities). No guarantee of future results.

Where can I set up a savings plan for the arvy fund?

In Germany, the fund is available on platforms that offer savings plans, including Comdirect, FFB, Ebase, Fondsdepotbank, and others. You can check whether the arvy fund is available as a savings plan directly in your bank’s securities search (WKN A3EK6M, ISIN LI1306144810 for the EUR share class). If the fund is not yet available as a savings plan at your bank, you can ask your customer service to enable it — or alternatively set up a manual standing order and purchase fund units regularly.

In Switzerland, the arvy app offers an integrated savings plan starting from CHF 100/month — including Pillar 3a and free investing. Simply set up a standing order with your bank and your wealth grows automatically.Tax advantage in Germany: As a private investor, you benefit from the 30% Teilfreistellung (partial tax exemption — the maximum rate for equity funds). Only 70% of your returns are subject to the flat-rate withholding tax (Abgeltungssteuer).

Short answer: If you hold the fund through a German custodian bank (e.g. Comdirect, Sparkasse, Volksbank), everything is handled automatically. You generally don’t need to declare anything extra.

Although the arvy equity fund is domiciled in Liechtenstein, it is treated the same way as a German fund for tax purposes, as long as you hold it through a German custodian bank (Depotbank). Here’s what that means:

Withholding tax (Abgeltungssteuer): Your custodian bank automatically deducts the flat-rate withholding tax (25% + solidarity surcharge + church tax if applicable) — minus the 30% Teilfreistellung for equity funds. You don’t need to calculate or file anything yourself.

Advance lump sum (Vorabpauschale): Since the fund is accumulating (returns are reinvested, not distributed), the German tax authorities levy an annual Vorabpauschale — a minimum tax on the calculated increase in value. Your custodian bank handles this calculation entirely automatically. The amount is debited from your settlement account in early January.

Tax-free allowance (Sparerpauschbetrag): As a private investor, you have a tax-free allowance of EUR 1,000 per year (EUR 2,000 for married couples). As long as your total investment income — including the Vorabpauschale — stays below this amount, you pay zero tax. Make sure to set up a Freistellungsauftrag (tax exemption order) with your custodian bank.

Practical example: With a savings plan of EUR 200/month, your portfolio after 2 years is roughly EUR 5,000–6,000. The Vorabpauschale on this is typically just a few euros per year — well below the Sparerpauschbetrag. This means: in the first years of your savings plan, you will likely pay no tax at all.In summary: German custodian bank = everything automatic. Set up Freistellungsauftrag = tax-free up to EUR 1,000/year. The fund creates no additional tax burden compared to a German ETF.

Yes — the arvy equity fund is available as a VL savings plan through selected fund platforms.*

What are Vermögenswirksame Leistungen (VL)?

VL is an employer benefit unique to Germany — up to EUR 40 per month paid directly into a fund on your behalf. Many employees don’t use this benefit at all, or park it in a low-interest savings contract (Bausparvertrag). Investing VL in an equity fund is the highest-return option over the long term.

There’s also a government bonus:

If your taxable income is below EUR 40,000 (single) or EUR 80,000 (married), you receive the Arbeitnehmersparzulage: a 20% bonus on your VL contributions to equity funds, up to EUR 80 per year. That’s free money from the government — on top of your employer’s contribution.

Why arvy for VL?

Most employees choose a standard ETF or bank fund for their VL. With the arvy equity fund, you invest instead in 30 hand-picked quality companies — with a track record that has outperformed the broad market over 7 years. And you benefit from the 30% Teilfreistellung as a classified equity fund.

How to set up VL in the arvy fund:

1. Open a VL depot at a fund platform that carries the arvy fund (e.g. via Ebase/FNZ or FFB).

2. Select the arvy equity fund (WKN A3EK6M, ISIN LI1306144810 for EUR hedged).

3. Forward the employer certificate (Arbeitgeberbescheinigung) to your employer — they will then transfer the VL directly to your VL depot.

4. Claim the Arbeitnehmersparzulage in your tax return (Anlage VL).* VL availability depends on the respective platform. Please check VL eligibility directly with your custodian bank.

Great question — and the honest answer: An MSCI World ETF is an excellent starting point for most investors. We’d never advise against it. But there are good reasons to complement it with a quality fund like arvy.

The problem with “buy everything”

An MSCI World ETF invests in over 1,500 companies. That sounds like maximum diversification — and it is. But you also own hundreds of mediocre and weak businesses: companies with shrinking margins, high debt, poor management, or outdated business models. You own everything — the good and the bad.

The Core-Satellite strategy

Many experienced investors use an approach called Core-Satellite: The Core (e.g. 60–80%) is a broad, low-cost ETF — your MSCI World. The Satellite (e.g. 20–40%) is a focused, higher-conviction addition. That’s exactly where the arvy fund fits.

What arvy adds as a Satellite:

Quality filter: Instead of 1,500 companies, you own the 30 best — hand-picked based on margins (avg. 60% gross margin vs. 35% in the S&P 500), return on capital (31% ROCE vs. 18%), and leverage (0.6x Net Debt/EBITDA vs. 1.3x). These are the companies that carry the index long-term.

Real conviction: We know every single company in the portfolio — and can explain in our Weekly newsletter why it’s there. With an ETF, you own companies you’ve never heard of.

Outperformance: The arvy equity fund has outperformed global equity markets over 7 years on a risk-adjusted basis — net of fees. That’s not a guarantee for the future, but it shows the approach works.

Skin in the game: The founders invest their own money in exactly the same fund. No ETF provider does that.

Understanding over blind faith: Through our weekly analyses, you understand what’s in your portfolio. In a crisis, when your ETF shows −30%, most people panic-sell. When you understand your companies, you stay invested. That’s the single biggest return driver of all.

Example: 70% MSCI World + 30% arvy

Our honest advice: If you’re purely looking for the cheapest path and don’t care about individual companies, an ETF is perfect for you. But if you’re willing to invest part of your portfolio more intentionally — in companies you understand, selected by professionals who risk their own money — then arvy is the meaningful addition.