arvy
Build wealth Savings plan Save for retirement 3a Save for your child Children's account Invest pension capital App Invest yourself Equity fund
Why invest? How does arvy invest? Investment calculator
Learn arvy Weekly Subscribe to Weekly →
Fees Company
Overview Screening, portfolio & ideas Investment research arvy equity fund Get in touch →
Get started free
EN/DE
Fees

The fee is the smallest number on this page.

You know exactly what you pay — and what you get for it. No hidden costs, nothing in the fine print. All-in from CHF 84 per year on CHF 10,000.

Get started free →
FINMA-supervised·Depot · HBL·0% first 6 months
All-in, on CHF 10,000
CHF 84/ year
that’s about CHF 7 per month
0.69–0.89% management + ~0.15–0.22% product costs (TER)
Drops by 0.05% per referral — down to 0.69%
CHF 0
to deposit money — always
CHF 0
for withdrawals — no exit fees
CHF 0
for your annual tax statement
0%
management fee in your first 6 months
The true cost of investing

The fee is just the tip of the iceberg.

If you think you know your portfolio’s costs, you probably see only 10–30% of them. The biggest source of cost appears on no bill. arvy takes all three off your hands.

~0.3%fee difference argued about on the surface
is tiny
against
up to 6% p.a.hidden & invisible costs beneath
Level 1 · Visible
10–30%
The number on your statement
The management fee — the one line everyone compares. At arvy: transparent, 0.69–0.89%.
Level 2 · Hidden
1–2% p.a.
Hidden in the fine print
Transaction costs, exchange-rate mark-ups, custody fees, cash drag, stamp duty. arvy trades at institutional terms and bundles everything into one fee.
Level 3 · Invisible — the largest
~4% p.a.
The costs inside your own head
Un-reinvested dividends (~2.4%/yr), the behaviour gap (~1.5%/yr) and the price of waiting. arvy reinvests automatically and takes emotion out of the equation.
Why arvy

Real people, with you on the journey.

“We each invest over CHF 100,000 of our own money in exactly the same portfolios as you. When markets wobble, you don’t end up with a chatbot — but with the same people who are invested right by your side. That’s exactly what you pay your fee for: real conviction and a steady hand.”
Florian Patrick Thierry
Florian · Patrick · Thierry
Co-founders · all CFA
Fees at a glance

All costs at a glance.

Three items, all transparent. On CHF 10,000 that’s about CHF 84–111 per year — everything included.

Management fee
0.69–0.89% p.a.
Included
✓Portfolio management by the team
✓All transaction costs
✓Custody fees
✓Foreign currency (instead of up to 0.5%)
✓App, support & tax statement
Deducted monthly.
Product costs
~0.15–0.22% p.a.
What this is
✓Fees of the products used
✓Amount depending on investment profile
✓Falls as assets under management grow
No separate deduction — included in the price.
Stamp duty
0.00–0.10% / Trade
Depending on profile
Growth0.00%
Balanced0.057%
Defensive0.102%
Swiss transaction tax — only applies on transactions.
Total cost · CHF 10,000
CHF 84–111 per year
No minimum fee, no hidden costs. Every referral permanently lowers your management fee by 0.05% — down to 0.69%.
✓ Ein- & Auszahlungen CHF 0 ✓ Fremdwährung inklusive (statt bis 0.5%) ✓ 0% Verwaltungsgebühr in den ersten 6 Monaten ✓ Keine versteckten oder Austrittsgebühren
Good to know

Fee questions, answered.

Was genau bezahle ich?
An all-in management fee of 0.69–0.89% p.a. plus the product costs of the building blocks used (~0.15–0.22% TER). On CHF 10,000 that’s about CHF 84 a year — roughly CHF 7 per month.
Are there any other costs?
No. Deposits and withdrawals, transactions, custody, foreign currency and your tax statement are included. No entry loads, no exit fees.
How does the fee drop to 0.69%?
The base fee of 0.89% drops by 0.05% per successful referral — down to a minimum of 0.69%. Plus: 0% management fee in your first 6 months.
Isn’t a low fee always better?
Only if you see all the costs. The biggest costs — un-reinvested dividends and emotional mistakes — appear on no bill. arvy takes exactly those off your plate, and that’s what makes the fee pay off.
The bottom line

Come on board — we’re already invested by your side.

The fee is the smallest number on this page. The rest — the conviction, the steady hand, the whole journey — we take on. Start for free, in about 9 minutes.

QR-Code zum App-Download
Scan me
Scan with your phone and download the arvy app.