Skin in the Game: Why we invest our own money exactly the same way as yours

True Alignment of Interests: We're in the Same Boat

We believe that real credibility only exists when our interests are 100% aligned with yours. In traditional finance, this is the great exception: banks often sell products they haven't invested a single centime in themselves. Fund managers recommend strategies they don't follow privately. Advisors collect commissions on products that aren't in the client's best interest.

At arvy, it's fundamentally different. Because our own money is invested, a natural discipline emerges: we don't chase short-term trends just to show a higher return for marketing purposes. Risk management and sustainable, long-term returns matter far more to us than short-term hype.

Nassim Nicholas Taleb put the principle perfectly in his book of the same name: Never trust anyone who doesn't bear personal risk. At arvy, the founders bear the same risk as you — every day, with every franc.

Full Commitment: Over CHF 100,000 Per Founder

Our trust in arvy goes far beyond a simple savings plan. Each of us three founders has invested over CHF 100,000 in the strategy. This includes not just personal savings, but also our Pillar 3a and pension fund assets.

What this means for you: we pay the same fees as every other client. We receive exactly the same returns. We go through good and bad market phases together. When prices correct, we feel it just as directly as you do.

In an industry where "we stand behind our product" is often just an empty slogan, we're making a concrete commitment: our retirement savings, our personal wealth, our financial future — it all sits in the same fund as yours.

Want to meet the team behind arvy? → The arvy team

Why We Bet on Our Own Strategy: The Tortoise Beats the Hare

You might wonder why we don't chase "tomorrow's winners." The answer: we've been through all of that. In our previous careers, we managed a high-growth strategy with over CHF 50 million and learned a hard lesson: steep rises are often followed by sharp corrections.

Because extreme crashes (e.g., -20% overnight) tend to hit suddenly, what often remains after the hype is just an average return — but with maximum emotional stress. Watching your portfolio drop from CHF 50,000 back to a starting value of CHF 10,000 leaves a massive mental scar. There's a reason hardly anyone succeeds long-term with such a volatile approach.

Our Philosophy: Consistency Over Short-Term Fireworks

That's why at arvy we deliberately seek out companies that may seem "boring" in the short term and are often underappreciated by the market. But through their consistency — strong cash flows, growing dividends, dominant market positions — they unlock their true potential and outperform most market participants over the long run.

This is our promise: With arvy, you'll probably never see annual returns of 30%. Instead, we aim to grow consistently and steadily over the long term. We choose the tortoise's discipline because it wins the race in the end.

Learn more about our investment philosophy and the quality companies in the portfolio in our Owner's Manual. And for why quality companies win long-term, see our Book Club article on Quality Investing: The Tortoise Beats the Hare.

Our Promise to You

"Skin in the Game" is more than just a catchphrase for us. It's a quality commitment. When you invest with arvy, you're using a system that was built by professionals for their own use.

We share the risk, the vision, and the discipline. Because at the end of the day, we're not just building an app — we're building the kind of wealth management that we've always wanted for ourselves. And we're convinced: if it's good enough for our own money, it's good enough for yours.

"Never invest in a business you cannot understand." — Warren Buffett. At arvy, we invest in a business we don't just understand — we built it ourselves.

Your money at arvy isn't just safe — it's managed by people who treat their own wealth exactly the same way. More about the security architecture behind arvy: Why your money is safe with arvy.