Fees and costs

An annual management fee plus the product costs of the funds used. How much depends on the variant: World Market 0.39% plus 0.06% to 0.08%, World Market with Founders' Selection 0.59% plus 0.12% to 0.13%, pure Founders' Selection 0.79% plus 0.15% to 0.22%. All-in that is 0.45% to 1.01% a year. The table above shows all three side by side.

This fee covers the following:

• The professional management of your portfolio
• All transaction costs and custody fees
• The use of our app with all its functions, including educational content and support
• Tax certificate
• Other providers charge up to 0.5% foreign currency surcharges, with arvy these are included

Yes, by choosing the variant. World Market is the cheapest at 0.45% all-in; Founders' Selection is the most comprehensive at up to 1.01%. You can switch at any time in the app and we charge nothing for it.

These are the fees of the funds and ETFs in your portfolio. They are not invoiced separately but settled directly in the fund's price — you never see them on a statement. Depending on variant and risk profile they run between 0.06% and 0.22% a year.

We always state the management fee and product costs separately, because only the total is comparable. A provider with a low management fee and expensive products is not cheap overall.

No. Depositing and withdrawing money is completely free.

There is no minimum fee. Entry starts at CHF 500. After that there is no minimum contribution and no minimum term — because there is no fee per execution, the percentage burden on CHF 20 is exactly the same as on CHF 100,000.

• Management fee: deducted monthly, calculated on the invested assets.
• Product costs: contained in the funds and settled in their price.
• Stamp duty: applies on every transaction and is set by law.

The management fee is fixed per variant. Product costs can change if a fund adjusts its charge or if we replace a building block — which funds are currently used, with ISIN and costs, is set out on The Building Blocks. Stamp duty depends on the statutory rules and on your profile.

Per year on CHF 10,000: arvy costs CHF 45 to CHF 101 depending on the variant, a typical ETF robo-advisor around CHF 94, a classic bank solution around CHF 343. The World Market variant therefore sits below the cheapest robo-advisors, and Founders' Selection at their level — with active stock selection instead of index tracking.

The full workings are in the fee comparison.

No. The items are stated individually: management fee, product costs and stamp duty. No custody fee, no execution fee, no performance fee, no account maintenance fee, no FX surcharge.

For completeness: at fund level a subscription charge may apply. The terms are in the respective factsheet.

Not in the World Market variant: CHF 45 to 47 a year on CHF 10,000 against around CHF 94 at a typical provider. Anyone choosing Founders' Selection pays CHF 94 to 101, roughly the same as a robo-advisor — but gets around 30 hand-picked companies instead of an index, and founders investing their own money alongside.

We expressly do not promise outperformance in return.

Traditional banks spread costs across several layers: advisory fee, custody fee, in-house fund costs and transaction costs. Together, 1.5% to 3.5% a year is typical. At arvy you pay 0.45% to 1.01% all-in.

On CHF 10,000 that is a difference of CHF 240 to CHF 300 a year. Over twenty years at CHF 500 a month it adds up to CHF 65,000 to CHF 88,000.

Everything. Professional portfolio management, all transaction costs, custody fees, foreign currency charges, the annual tax statement, and access to all educational content including arvy's Weekly newsletter. There are no hidden costs. -> Fee comparison.

The federal transfer stamp duty is a tax, not a fee — it cannot be avoided. It is 0.075% on Swiss and 0.15% on foreign securities, and applies on purchase and on sale.

How much it affects you depends on the building blocks used: issuing new units of a Swiss fund incurs none, while buying a foreign ETF on an exchange does. In the World Market variant that is roughly 0.13% on each contribution in the Growth profile, and less in the Cautious profile.

In the World Market variant, marginally — because the bond fund costs slightly more than the equity part: 0.47% instead of 0.45% all-in. In the other two variants it is the other way round: there the bond part is cheaper than the equity part, so the cautious profile is slightly cheaper.

No. The building blocks are bought in Swiss francs, so no currency is exchanged and no surcharge arises: 0%. Surcharges of up to 0.50% per transaction are common in the market, and they apply to every contribution rather than to assets.

The currency risk of the underlying shares of course remains — what you save is the surcharge, not the risk.

Anyone who buys with discipline through a cheap broker, avoids the currency conversion and prepares their own tax paperwork lands at 0.20% to 0.50% a year and is cheaper than we are. We say that openly.

On top come roughly 150 hours of your time over thirty years — and the behaviour gap, which nobody closes for you. The arithmetic is in What Makes arvy Different.

Pillar 3a has its own flat fee of 0.93% a year, all-in — including all transactions, foreign exchange, the tax statement and educational content. By comparison, 1.2% to 2.5% is typical at a bank.

A new and cool offering will be launched in 2027! Stay tuned!