The Ultimate Guide for the arvy Investment App – Our Owner’s Manual
January 7, 2025
6 min read
You're now part of the ship. Part of the crew. And our commitment to you is clear: we only offer what we believe in and practice ourselves.
The idea for arvy didn't come from a boardroom — it grew from the concerns and frustrations of our friends about investing. We kept hearing the same challenges: "I don't know where to start." "I don't think I have enough money." "Investing makes me anxious." And more fundamentally: "I don't know who's managing my money."
We understand. That's why we created arvy: to inform, educate, and make investing accessible, manageable, and impactful. This Owner's Manual is your guide to getting the most out of arvy.
Table of Contents
The arvy Team: Our Commitment to You
Behind arvy is a team of experienced and passionate investors: Florian, Patrick, and Thierry — friends for 16 years, colleagues for seven. Each of us brings unique strengths, but we share a singular goal: making investing simple and understandable for everyone.
We don't just advise — we're in the same boat. Our own capital is invested alongside yours. Each founder has invested over CHF 100,000 in the same portfolio available to you in the app. This includes personal savings, Pillar 3a, and pension fund assets. This co-investment means our interests are completely aligned with yours.
Skin in the Game
Same fees. Same returns. Same risk. The arvy founders invest their own money alongside yours — not somewhere else. More on this: → Skin in the Game
Meet the team: → The arvy team
Why an Owner's Manual?
At arvy, we want you to have a clear understanding of what we aim to achieve and how we go about it. When you're on board with our approach, we all work toward a shared goal. arvy isn't just an investment app — it's an experience we're building together with you.
Our vision: to make arvy the best investment app experience possible. By "best," we mean the one that helps you earn the highest returns over the long term, adjusted for risk, with a journey that's smooth and even enjoyable. Yes, there may be bumps along the way. But the most important thing is to stick to the plan — together.
Investment trends come and go. While there will always be fads and tempting high-return promises, we follow a disciplined, quality-focused strategy instead of jumping from trend to trend. That's why we need your understanding and patience — our goal is to make arvy work for you over the long term.
The truth is: if you stay invested and don't react to market noise, you're far more likely to reach your financial goals.
How to Best Use the arvy App
Information: Always Know What's Happening
You'll receive regular updates on your investments and the markets. We won't flood you with data — our updates are clear, concise, and understandable. Portfolio updates show you what you own and why you own it. Flash updates explain market events (like tariffs, rate decisions, or geopolitical developments) and put them in context for your portfolio.
Education: Financial Knowledge That Grows with You
Financial literacy is the foundation of long-term investment success. From basic concepts like stocks and bonds to advanced topics like portfolio diversification — our educational content builds with you. Our goal is to make you a confident investor, not just a passive one.
Every Friday: Weekly by arvy. In under 5 minutes, we analyse a quality company — with charts, fundamentals, and the story behind the stock. Already 12,000+ readers. → Subscribe now
Entertainment: Investing Can Be Fun
Investing doesn't have to be dry. We believe that learning and wealth building can also be enjoyable. Our app includes interactive features, engaging content, and sometimes a bit of humour — to keep you motivated. Investing is a journey, and we want you to look forward to it.
From the best investment movies to the best finance podcasts to our Book Club with 38 book summaries — we give you the tools to become a better investor while having a good time doing it.
Investment Philosophy: Quality as Our Compass
We're often asked what drives our approach. Put simply: we believe in disciplined, long-term investing in high-quality, resilient assets — whether equities, bonds, or other asset classes — that can withstand the test of time.
Rather than chasing high-risk opportunities or jumping on fleeting trends, we seek investments that offer sustainable growth. Specifically: quality stocks and quality bonds from quality issuers. Companies with strong cash flows, growing dividends, dominant market positions, and excellent corporate governance.
Quality Over Hype
We don't chase meme stocks, crypto hype, or "the next Tesla." We look for companies that will be stronger in 10 years than they are today. Companies like Nestlé, LVMH, Microsoft, Visa — "boring" winners that convince through consistency. Why this works: → Quality Investing: The Tortoise Beats the Hare
Our approach is grounded in the power of compounding over the long term. By investing in assets we deeply believe in, we avoid unnecessary trading and focus on optimising growth. Less trading = lower costs = more returns for you.
The Holy Grail of Investing: Lump Sum + Dollar-Cost Averaging
For all arvy products — regular investing, Pillar 3a, and children's accounts — we recommend a simple but effective two-step strategy:
Step 1: Lump Sum
Invest a larger initial amount as soon as you can. Why? Because time in the market consistently beats timing the market. The earlier your money is invested, the more it benefits from compounding. Don't wait for the "perfect" entry point — it doesn't exist.
Step 2: Dollar-Cost Averaging (DCA) / Savings Plan
Complement the lump sum with a regular savings plan. Invest a fixed amount every month — automatically via standing order. When prices are high, you buy fewer shares; when they're low, you buy more. This smooths out fluctuations and removes the stress of timing.
The combination of lump sum and DCA is the Holy Grail of Investing: maximum compounding through the early lump sum, minimum emotional stress through the automated savings plan. Calculate how your wealth could grow: → Investment Calculator
The Greatest Danger to Your Investment Performance: Yourself
This sounds harsh, but it's the most important lesson in this manual: the greatest enemy of your returns is you. Studies show that the average retail investor loses 1.5–3% in annual returns through emotional mistakes — panic selling during downturns, euphoric buying at peaks, constantly switching between strategies.
The good news: you can avoid this trap. The key rules:
Don't constantly check your portfolio. Once a month is enough. Daily checking creates unnecessary stress and invites impulsive decisions. More: → Master Your Emotions When Investing
Don't react to market noise. Headlines sell newspapers, not returns. When the news sounds dramatic, the correction is often already priced in. Your job: stay invested.
Let the savings plan run. No matter what happens. The standing order invests for you — automatically, without emotion, with discipline. It's your strongest ally. More: → The Standing Order
The Psychological Reality
When your portfolio drops 20%, you'll feel the urge to sell everything. That's human. But remember: the arvy founders are invested with over CHF 100,000 each in the same portfolio. If they're not selling, you shouldn't either. Through good times and bad — together. That's the promise.
Summary: How to Use arvy the Right Way
Here's your action plan in five steps:
1. Invest a lump sum once you've built an emergency fund (3–6 months of salary). Time in the market beats timing.
2. Set up a savings plan via standing order. Choose an amount that doesn't constrain you (the 70/20/10 rule helps). Starting from CHF 1/month.
3. Read the Weekly and Flash Updates. Stay informed, but don't let it stress you. Knowledge protects against panic.
4. Check your portfolio at most once a month. The rest runs automatically. Trust the process.
5. Stay invested — no matter what the market does. Corrections are normal. Panic selling is expensive. Compounding needs time.
"arvy isn't just an investment app — it's the kind of wealth management we've always wanted for ourselves. And now we're sharing it with you." — Thierry, Florian & Patrick
Ready to come aboard?
Start your savings plan from CHF 1/month. Transaction costs included. The arvy founders invest alongside you — same portfolio, same terms.
Set up a savings planCalculate first: Investment Calculator → · Or learn more: Weekly by arvy →
This Owner's Manual was written by Thierry, Co-Founder, and reviewed by Florian Jauch, CFA. Last updated March 2026.
Disclaimer: This article is for general information purposes only and does not constitute personal investment advice. arvy is a wealth manager supervised by FINMA with a CISA license. Imprint & Legal Notice
