What is arvy, and what do you stand for?
arvy is an investment platform that aims to make investing more accessible, inspiring and personal. We combine smart, digital wealth management with emotional storytelling and innovative educational content. Our mission is to encourage people to take control of their finances with confidence – in a way that is both simple and entertaining.
Why should I use arvy?
arvy offers you a unique blend of technical efficiency and personal added value. Our app combines the advantages of a robo-advisor – such as automation and low costs – with a human approach: you get inspiring content, insights into real investment stories and a strong community to support you. With us, you’re not just investing in numbers, but in your future and your story.
What makes arvy different from other providers?
arvy is more than just a digital asset manager – we are at the interface between traditional banks and robo-advisors. We offer you the benefits of a digital, flexible investment strategy that saves you time and effort, but also the security and expertise of established, professional management. While many providers only pursue passive investment strategies, at arvy we go one step further by offering you not only an investment solution, but also the opportunity to actively learn and develop through in-depth knowledge and support.
Compared to brokers like Swissquote, which offer trading platforms for a variety of investment products, arvy is a simpler and more efficient solution for your assets. With brokers, you have to pick and choose which products to buy and when to sell. This can lead to an overwhelming abundance of options and requires a lot of research to find the right products and combine them wisely.
At arvy, we do this work for you. We use a simple questionnaire to determine your risk profile and suggest an investment solution that suits you. These solutions are based on broadly diversified investments that invest in different sectors, countries and regions. All you have to do is deposit money into your arvy account and we will select and manage your assets for you. We make sure that your investments are regularly reviewed and adjusted so that they always match your long-term goals.
With our “buy-and-hold” strategy, we minimize transaction costs and ensure that you build for the future efficiently and cost-effectively with your assets. With arvy, you get the security of knowing that a team of experts is continuously monitoring and maintaining your portfolio, while you can sit back and relax.
What services does arvy offer?
Our platform is an all-in-one solution for modern investors. You get:
- Automated wealth management: Based on your goals and risk profile.
- Professional investment strategies: With a focus on quality in order to benefit as much as possible from the compound interest effect.
- Educational resources: Interactive content that teaches you about the world of investing.
- arvy Community: We are building a community with access to like-minded people and exclusive events, webinars and much more. Step by step. Day by day.
Can I use arvy without prior knowledge?
Yes, absolutely. Our app is designed to make it easy for beginners to get started in the world of investing. You don’t have to be a financial expert – with our simple app, interactive stories and automated strategies, you’ll become a confident investor step by step.
Is arvy sustainable?
Yes, sustainability is a core value of arvy. Sustainable in the sense of how we work, how we have built our company, how we invest and how we plan to achieve something together. We founded arvy to build something in the financial sector that lasts. This only works with a long-term, sustainable mindset.
How do I open an account with arvy?
Opening an account is simple and completely digital. Download the arvy app from the App Store or Google Play Store and register with your e-mail address. Then answer a few questions about your goals and your risk profile. Then upload your ID card or Passport. Once you have completed the opening process, the bank usually needs 2 working days to verify your data, after which you can start investing.
Pillar 3a is currently still website-based and will be integrated into the app in the course of the year.
Is there a minimum investment amount?
Yes, the minimum investment amount is CHF 1,200. This amount enables us to create a diversified portfolio for you. After the first deposit, however, you can flexibly add smaller amounts – from CHF 50, e.g. through a monthly savings plan.
There is no minimum for pillar 3a.
What documents and requirements do I need to open an account?
You need:
- Swiss domicile and taxable in Switzerland
- At least 18 years old
- Swiss cell phone number
- Swiss bank account for the deposit
- A valid form of identification (ID or passport)
- For pillar 3a only: Your AHV number (can be found on your health insurance card, for example)
This information is necessary to open your account securely and in accordance with the rules. For regulatory reasons, US citizens and companies cannot open an account with us.
Can I invest with small amounts?
Yes, you can also pay in smaller amounts after the first deposit of CHF 1,200. This gives you flexibility and allows you to invest regularly to build up long-term assets – ideal for savings plans from CHF 50, e.g. through a monthly savings plan. There is no minimum for pillar 3a. The maximum amount for the year 2025 is CHF 7,258.
How long does it take to open an account?
It takes less than 10 minutes to register and open an account. Everything runs conveniently and securely via the app. Once you have completed the opening process, the bank usually needs 2 working days to verify your details. Once your details have been confirmed, you can start investing immediately. You will receive an SMS with your IBAN and confirmation.
Opening an account for pillar 3a also takes 10 minutes and you will receive an e-mail with all the important information.
Can I open an account for other people?
It is currently not possible to open an account for other people directly – the children’s account is coming soon.
Why do I get a Hypothekarbank Lenzburg account and what do I need it for?
Thanks to your personal account (Regular Investing and Pillar 3a) with our partner bank, Hypothekarbank Lenzburg (HBL), your money and your investments are optimally protected. Your deposits benefit from deposit protection of up to CHF 100,000, which means that in the event of arvy or the bank going bankrupt, the liquidity portion of your investment solution is protected up to this amount.
It is important to know that your investments legally belong exclusively to you and that neither the bank nor arvy can access your investments in the event of bankruptcy.
HBL is one of the most innovative banks in Switzerland, with an outstanding digital solution that allows you to manage your finances easily and securely. It is the perfect partner for your investment solution with arvy.
You transfer the money you want to invest into your HBL account. You can find the relevant account details in the app in the profile section. All transactions for buying and selling your investments are then carried out from this account.
What strategies does arvy offer?
Our strategies are tailored to your individual needs. You can choose between three different risk profiles – Defensive (30% equities / 70% bonds), Balanced (60% equities / 40% bonds) and Growth (100% equities / 0% bonds). Our aim is to offer you an optimal long-term return that matches your financial goals.
Can I invest sustainably?
At arvy, we are quality investors and sustainable factors are a natural part of our investment decisions. These focus on companies that meet high environmental, social and governance standards. This way, you not only achieve financial returns, but also know that you are invested in the best companies in the world.
What happens to dividends?
Dividends generated by your investments are automatically reinvested. This means that you benefit from the compound interest effect in the long term and your assets grow faster. This is extremely important and very often neglected by investors – the reinvestment of dividends. It makes a significant contribution to your investment return and increases the compound interest effect.
Which products does arvy use?
We focus on quality investments. In equities, we invest in the free arvy equity fund with a six-year track record and several awards since its launch. In bonds, we work with the renowned investment company Flossbach von Storch and invest in the Flossbach Bond Opportunities Fund. Flossbach von Storch has had an excellent track record since 2009 and, with the same mindset and quality investment philosophy, is a perfect partner for us and the portfolio composition. With these investments, we enable broad diversification so that you can invest in different sectors, countries and asset classes at the same time.
Can I customize my investment profile? Does this cost anything?
You can easily change your investment profile at any time – at no additional cost from our side. This can be done conveniently directly in your profile area in the app.
Please note, however, that when you change your investment profile, shares are sold and new ones are bought. This process may involve transaction costs such as stamp duty and stock exchange fees.
If your life situation changes significantly – for example due to changes in your investment objective, investment duration, investment assets, financial situation, experience or risk tolerance – it is necessary to redefine your investment profile.
However, we recommend that you do not adjust your investment profile in response to short-term market developments. The danger here is that you often react too late. Instead, you should choose your investment profile in such a way that you can easily cope with possible losses in value in a future crisis without having to sell your investments at unfavorable times.
How long should I invest?
Our strategies are geared towards the long term. The longer you invest, the better you can compensate for market fluctuations and benefit from the compound interest effect. We recommend a minimum investment period of 5 to 7 years to achieve the best results.
As an illustration, the probability of a positive return after
- 1 day is 53.4%
- 3 months at 69.3%
- 1 year at 77.6%
- 5 years at 92.6%
- 10 years at 97.3%
How long does it take for my money to be invested? How is it invested?
We currently invest the money twice a month, at the beginning and in the middle of the month. In future, we will increase the frequency to weekly. This all happens automatically. As soon as you have paid in, the money is automatically invested for you in the next investment cycle. After the purchase, you will see the new position in the portfolio two working days later. So your money is immediately in action for you.
Can I invest in a specific ETF or in a specific individual stock such as Apple?
With arvy, you only have one way to invest your money:
With one of our three arvy investment solutions from the same two carefully selected investments, you benefit from a broadly diversified and balanced investment strategy. These products have been combined in such a way that together they offer an optimal risk/return ratio. The investment solutions are ready-made for you – you are automatically broadly diversified and don’t have to worry about anything else. So you can be sure that your portfolio is not only well diversified, but also geared towards the long term without you having to constantly intervene.
Is the income automatically reinvested? (distributing vs. accumulating funds or ETFs)
Wherever possible, we generally rely on reinvesting (so-called accumulating) products. These products automatically reinvest the income generated, which increases the value of the product. Automatic reinvestment helps to avoid exchange rate costs as well as stock exchange and stamp duties and ensures continuous growth of your portfolio.
However, there are occasionally products that we use in our arvy investment solutions that do not currently offer a reinvestment option. With these products, the income is distributed and transferred to your account. The distributed income is then reinvested with the next deposit.
Why can’t I invest in Bitcoins or other cryptocurrencies with arvy?
At arvy, we are currently focusing on proven, scientifically sound investment strategies that are stable and transparent in the long term. Cryptocurrencies such as Bitcoin are exciting and have attracted a lot of attention in recent years – but at the same time they are highly volatile and speculative.
Our aim is to offer you a secure and reliable foundation for building wealth. That is why we are currently focusing on proven top investments and other established asset classes that enable broad risk management.
However, this does not mean that we will completely rule out cryptocurrencies in the future. We are monitoring the market and the development of digital assets very closely. As soon as we are convinced that they meet our high standards in terms of security, transparency and longevity, they could become an option at arvy.
Stay tuned – maybe cryptocurrencies will soon be part of our investment strategies!
Does arvy use physically or synthetically replicated products?
In our investment solutions, we only use physically replicated products that actually invest in the corresponding equities and bonds. In concrete terms, this means that an equity fund, for example, buys and holds all the shares in the portfolio directly.
In contrast, synthetically replicated products use derivatives to replicate the performance of an index. This type of replication involves a higher risk, as there is also counterparty risk. This means that the success of the synthetic product depends on the stability and solvency of the counterparty. Many investors may pay little attention to the type of replication. However, it is important to us to ensure maximum security for our clients, which is why we rely exclusively on physical replication. In addition, the providers of these products are very transparent about the replication method, so you can see exactly whether a product is replicated physically or synthetically.
What fees are charged by arvy?
Our fees are between 0.8% and 1.2% per year, depending on the number of referrals you bring. For each successful referral, we permanently reduce the fee by 0.1%. So the more friends you invite, the lower the fee in the long term. 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
In addition, there are product costs and, depending on the investment profile, stamp duties.
Product costs:
| Defensive | Balanced | Growth |
| 0.147% | 0.186% | 0.24% |
Stamp duty is payable on the purchase and sale of securities – including shares, bonds and ETFs. For domestic securities, stamp duty is 0.075% of the transaction amount, while foreign products are subject to 0.15%.
Other providers often invest up to 100% in investments subject to stamp duty.
Stamp duty:
| Defensive | Balanced | Growth |
| 0.102% | 0.057% | 0.00% |
arvy strives to reduce costs for all customers as assets under management increase.
The management fee for pillar 3a is 0.93%. There is currently no recommendation program.
Are there any hidden costs with arvy?
No, there are no hidden costs at arvy. While banks often work with high and non-transparent fees, we attach great importance to full cost transparency.
Our fees are between 0.8% and 1.2% per year, depending on the number of referrals you bring. For each successful referral, we permanently reduce the fee by 0.1%. So the more friends you invite, the lower the fee in the long term. 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
In addition, there are product costs and, depending on the investment profile, stamp duties.
Product costs:
| Defensive | Balanced | Growth |
| 0.147% | 0.186% | 0.24% |
Stamp duty is payable on the purchase and sale of securities – including shares, bonds and ETFs. For domestic securities, stamp duty is 0.075% of the transaction amount, while foreign products are subject to 0.15%.
Other providers often invest up to 100% in investments subject to stamp duty.
Stamp duty:
| Defensive | Balanced | Growth |
| 0.102% | 0.057% | 0.00% |
arvy strives to reduce costs for all customers as assets under management increase.
The management fee for pillar 3a is 0.93%. There is currently no recommendation program.
How do you compare with banks and robo-advisors?
We are cheaper than traditional banks, which often charge fees of up to 2-3% – often hidden in transactions or fund products. At the same time, we offer you more service and expertise than pure robo-advisors, who often only offer passive strategies without any added value.
How does the referral program work? Where can I find my personal referral code that I can share with my friends?
You will find your personal referral code in the app in the profile section. Share your personal referral code with up to four friends – as soon as they enter it during onboarding, your fees will automatically decrease by 0.1% per referral from 1.2% to 0.8% as soon as they invested the minimum amount of CHF 1’200. If you forget your code, don’t stress – just send us a message and we’ll update it for you!
Are there any costs for deposits and withdrawals?
No, deposits and withdrawals are free at arvy. You can deposit or withdraw money from your account at any time without additional fees. This applies both to your first deposits and to regular savings plans.
Is there a minimum fee or additional costs?
No, there is no minimum fee. Our fees are proportional to your assets under management and remain fair, regardless of the size of your investment. Whether you invest CHF 2,000 or CHF 10,000 is irrelevant in terms of costs. Transferring CHF 200 every month is practically the same as transferring CHF 1,200 every six months. There are no additional costs for managing or adjusting your portfolio.
Why are your fees fair?
Our fees cover more than just portfolio management. You get:
- Access to a user-friendly app
- Inspiring content and educational resources
- Personal support if you have any questions
- A transparent fee structure with no surprises
You get a complete all-round package that offers you smart investing and support – at a fraction of the cost of traditional providers. With arvy, you’re part of the ship, part of the crew.
How are the quarterly management and custody account fees calculated and charged?
Each quarter, management fees and custody account fees of 0.23% each are calculated based on the investment amount on the reference date (February 28, May 30, August 31 and November 30) and debited directly to your account at the end of the quarter.
What is stamp duty and when do I have to pay it?
Stamp duty, also known as stamp tax, is payable on the purchase and sale of securities – including shares, bonds or ETFs. For domestic securities, stamp duty is 0.075% of the transaction amount, while foreign products are subject to 0.15%. The place where the securities are traded is decisive for the amount of the fees.
Depending on the investment solution (Defensive, Balanced, Growth), arvy invests 70%, 40% or 0% in investments that are subject to stamp duty.
Some funds, such as Liechtenstein funds, are exempt from stamp duty. The equity component of your investment solution is also exempt from stamp duty due to the investments in the arvy equity fund (0% fee class), which means that no stamp duty is payable on the equity component. As a result, no stamp duty is payable on the equity portion of a 100% equity strategy.
Other providers often invest up to 100% in investments subject to stamp duty.
Stamp Duty:
| Defensive | Balanced | Growth |
| 0.102% | 0.057% | 0.00% |
Here is a small calculation example to illustrate this: With an investment sum of CHF 10,000 and the “Balanced” investment solution (38% in Luxembourg funds and 60% arvy Equity as well as 2% liquidity), the following stamp duty contributions arise.
Initial Investment:
- Fund traded in Luxembourg: 38% * CHF 10,000 * 0.15% = CHF 5.70
- Share component with arvy: 60 % * CHF 10,000 * 0.00 % = CHF 0.00
Total: 5,70 CHF
This amount varies depending on the amount invested and the composition of the products or the investment solution.
By the way, you do not pay the stamp duty directly to us. It is paid to the Swiss Federal Tax Administration.
Is my money safe with arvy?
Yes, your money is safe with arvy. It is held in your personal account with our regulated Swiss partner bank Hypothekarbank Lenzburg (HBL). This account always remains your property and is legally protected – even in the unlikely event that arvy files for bankruptcy.
We also work with state-of-the-art security standards to protect your money and personal data.
We also work with state-of-the-art security standards to protect your money and personal data.
What happens if arvy goes bankrupt?
Even in the unlikely event of arvy’s insolvency, your money is safe. Your investments, including cash reserves, are separate from arvy’s assets and belong to you. Investments are considered separate assets and have nothing to do with the bankruptcy estate. Your cash is also protected by the Swiss statutory deposit guarantee up to CHF 100,000.
Is arvy regulated?
Yes, arvy is licensed by FINMA as a manager of collective assets (CISA Art. 24). As far as partners are concerned, we work exclusively with licensed and regulated financial service providers and banks. These partners are subject to strict supervisory rules and ensure that your money and your investments meet the highest security standards.
Where is my money kept?
Your money is held in your personal account at Hypothekarbank Lenzburg (HBL). This account is held in your name and is legally protected from third-party claims.
Can someone else access my account?
No, your account is protected by a password and – if activated – by two-factor authentication. Even if someone knows your access data, your money can only be paid out to the bank account you have deposited. This means that your investments and assets are always protected.
Even if a third party were to try to change your arvy payout account, they would not be able to steal your money. We add your name to every payout so that the payout cannot be executed if the new payout account is not in your name. This additional security measure ensures that your money is always protected.
Can I withdraw my money at any time?
Yes, you can withdraw your money flexibly at any time – in full or in part. Simply tap on “Profile” -> “Withdraw capital” in the app. You can then simply send us an e-mail with your transfer request to hello@arvy.ch. It would help us a lot if you could also tell us why you are making a lump-sum withdrawal. This feedback helps us enormously to improve the app and investment experience. There are no lock-in periods or notice periods. However, please note that the process may take a few days. After your withdrawal request, it usually takes 5-6 working days for the money to reach your bank account.
Where can I find my IBAN?
You have received the IBAN by SMS after successful onboarding. We will also send you an email from hello@arvy.ch with the IBAN. As we are constantly improving the app, you will also find the IBAN later in the app in the profile area. This is on our To Do list. Important: Please make sure that you make the transfer from your personal account (not a joint account) and name yourself as the beneficiary. This is necessary so that we can allocate your payment smoothly.
How do I manage my account?
Your arvy account is fully managed via our user-friendly app. Here you can:
- View your portfolio
- Deposit or withdraw money
- Customize your investment strategy
- Learn more about financial topics and discover inspiring stories
The app is intuitively designed and makes it easy for you to keep an eye on your finances anytime, anywhere
Can I also use the arvy app abroad?
Yes, the arvy app works worldwide as long as you have an internet connection. Please note, however, that deposits and withdrawals are only possible via a Swiss bank account.
I would like to change my e-mail address?
Please write us your preferred new email in the chat and we will change it for you.
Later there will be an option to change it in the profile section of the app.
I would like to change my phone number?
Please write us your preferred new phone number in the chat and we will change it for you.
Later there will be an option to change it in the profile section of the app.
How can I close my account with arvy? Can I do this at any time?
You can close your arvy account at any time.
The first step is to withdraw the total amount of your investment solution in the app. To do this, simply tap on “Profile” -> “Capital withdrawal” in the app. You can then simply send us an e-mail with your termination request to hello@arvy.ch. It would help us a lot if you could also let us know why you want to close your account. This feedback helps us enormously to improve the app and investment experience.
Is there a minimum deposit after opening an account?
To activate your arvy account with our partner bank, Hypothekarbank Lenzburg (HBL), you only need to deposit at least CHF 1,200 in the first 3 months. If you do not do this, your account will unfortunately be closed.
After that, you can pay in additional amounts flexibly – from as little as CHF 50. This is ideal for investing smaller amounts on a regular basis, for example via a monthly savings plan. That’s exactly how we do it at arvy.
There is no maximum amount for your deposits. However, if you want to invest a larger amount of money, we recommend that you pay it in several staggered amounts. Even with a smaller investment amount, it makes sense to divide it into regular and equal amounts. This way you can avoid catching an unfavorable time for your investments and benefit from an even distribution over time.
What happens if I don’t use my account for a long time?
Once you have made your initial deposit, your account will remain active even if you do not make any deposits for a longer period of time. Your existing portfolio will continue to be professionally managed and you can start making new deposits at any time. Management and custody account fees continue to apply.
Can I deposit from any account into my investment solution?
Only bank transfers from a Swiss bank account in your name will be accepted by our partner bank, Hypothekarbank Lenzburg (HBL). This is for security reasons and complies with regulatory requirements.
When making the initial deposit, we also recommend that you do not transfer from a joint account, as there is a risk that HBL will reject the transfer. If you do transfer from a joint account, you must enter your first and last name in the additional field “Payment initiator” or “Payer” in e-banking so that the deposit can be successfully booked.
Why can’t I see my deposit in the app yet?
As our partner bank, Hypothekarbank Lenzburg, still has to check your first deposit manually for legal reasons, it can take around 2-3 days after the debit until it is booked to your arvy account and you can see it in the app.
For all further deposits, it usually only takes 1-2 days.
Why was my deposit returned?
The first deposit is an essential part of the account opening process and is checked manually by our partner bank, Hypothekarbank Lenzburg (HBL). It is important that the data you enter as the recipient of your transfer matches exactly the data stored in your bank account. If the details do not match, the deposit will be automatically transferred back. To ensure that everything runs smoothly, please note the following:
- You are the sender and beneficiary
When making the transfer, enter your first and last name (and address) as the beneficiary – exactly as they are registered on your bank account. Please do not enter arvy or our address as the beneficiary, as you are not transferring your money to us, but to your personal account at HBL. arvy only manages your account.
- Deposits from joint accounts.
If you want to make the first deposit from a joint account, we recommend that you also enter your own first and last name in the “Payment initiator” or “Payer” field in e-banking. This will ensure that HBL accepts the payment.
These steps will ensure that opening an account with arvy runs smoothly. If you have any questions or need support, we are always here to help! 😊
Is it possible to transfer securities such as ETFs or funds from an external (pillar 3a) account to my arvy account?
This is only possible via a cash deposit. This means that you can instruct us to sell the existing securities from an existing pillar 3a solution and transfer the money to your arvy account. The same procedure is also possible if you sell the securities in another account and transfer the cash holdings to your arvy account.
Why is the data in the app not up to date?
The performance and return data in the app is updated during the morning and shows the previous day’s values. Since the stock exchanges are closed at weekends and we do not receive any current data during this time, you can still see the data from Friday until Tuesday morning (before 11:00 a.m.), which was updated on Monday (around 11:00 a.m.).If you have made a deposit, you will always see it after 2.00 pm the following day if you have made it on the earliest possible value date. We will also send you an e-mail to confirm receipt.
However, as long-term investors, the daily fluctuation of the markets is not our main focus. We focus on optimizing your investment strategy over a longer period of time.
Are returns guaranteed?
No, as with any investment on the financial markets, returns cannot be guaranteed. The values of equities, funds, ETFs and other asset classes fluctuate depending on market developments. However, our diversified portfolios are designed to minimize risk and provide stable long-term returns.
How does the investment term affect my return?
Long-term investing is the key to stable returns. Over a longer period of time, market fluctuations are evened out and the compound interest effect ensures additional growth. The longer you invest, the greater the chance of a positive return. We recommend an investment period of at least 5-7 years. As an illustration, the probability of a positive return after
- 1 day is 53.4%
- 3 months at 69.3%
- 1 year at 77.6%
- 5 years at 92.6%
- 10 years at 97.3%
In other words: If you catch the worst day to invest, you still have a 97.3% chance of being up in the last 100 years after 10 years.
What should I do in the event of market fluctuations?
Market fluctuations are part and parcel of any investment, but thanks to our broad diversification, the risk is minimized. In such phases, it is important to remain calm and stick to your long-term strategy, as short-term fluctuations do not usually have a major impact on long-term results.
Investing money always involves risk, especially in the short term. But in the long term, markets tend to rise. The longer you invest, the lower the risk. It is therefore important to start early and hold on to your investments even in times of crisis. You can also reduce the risk by making deposits and withdrawals gradually to avoid unfavorable timing.
Is now a good time to invest?
The best time to invest was 20 years ago, the second best time is now. As an illustration, the probability of a positive return after
- 1 day is 53.4%
- 3 months at 69.3%
- 1 year at 77.6%
- 5 years at 92.6%
- 10 years at 97.3%
At arvy, we implement the following strategy: one-time payment + savings plan (dollar-cost averaging), which increases the probability of a positive return in the long term. We recommend the same investment plan to you!
The first step is to start with a one-time payment, because in the long run it is better to simply be in the market than to time it. If you make a larger initial investment, you give your money the maximum chance to grow and benefit directly from the compound interest effect.
With dollar-cost averaging (DCA), you then regularly add a fixed amount, regardless of the share price. By sticking to this routine, you avoid the stress of timing the market and smooth out the effects of market fluctuations. When prices are low, you buy more shares; when prices are high, you buy less.
The beauty of DCA is its simplicity and ability to reduce emotional decisions. Especially for new investors or those who are afraid of market fluctuations, it’s a great way to focus on long-term growth rather than daily price movements. By sticking with DCA, you allow compound interest to work its magic over time. Your investments grow, become more and build themselves up as you continue to invest, say, 10% or 20% of your monthly income. It’s best to automate your deposits with a standing order. That way you don’t have to think about it and won’t be tempted to speculate on a point in time.
arvy keeps you up to date with your investments, provides you with valuable insights and makes sure it’s a bit of fun too. It’s as simple as it sounds: open an account, choose your risk profile, start with a one-off payment as your initial investment and set up a monthly standing order for dollar-cost averaging. That’s it – we’ll take care of the rest!
My investments have lost value over time – what should I do?
Emotional decisions when investing can be detrimental in the long term. Especially in turbulent times, it is important to remain calm and rational. Even if it is difficult, you should stick to your plan and continue to invest regularly – or take the opportunity to buy at low prices.
Why you shouldn’t sell your investments despite temporary price losses:
Historically, markets have always recovered. Every financial crisis, no matter how severe or protracted, has been overcome at some point in the past. History shows that markets recover in the long term, even after the biggest setbacks. As an illustration, the probability of a positive return after
- 1 day is 53.4%
- 3 months at 69.3%
- 1 year at 77.6%
- 5 years at 92.6%
- 10 years at 97.3%
- Diversification protects you from extreme losses
Your arvy portfolio is broadly diversified and invests in around 30 individual stocks from different sectors, countries and regions. This minimizes the risk of a total loss. A crisis never affects all markets with the same intensity at the same time.
- You certainly don’t want to miss the next upswing
After heavy price losses, a recovery often occurs faster than many expect. Early investors can thus benefit from a strong upward movement that can quickly make up for the price loss. Never forget the stock market wisdom of André Kostolany: “If you don’t have stocks when they fall, you won’t have them when they rise.”
- “Market timing” is usually a risky undertaking
Trying to find the perfect time to enter and exit the market is a difficult art and often leads to disappointment. If you always try to catch the best moment, in many cases you will not catch up with the markets. It is much safer to stay calm and profit from the fluctuations instead of constantly chasing after them.
- Crises also offer opportunities
The lower the markets fall, the cheaper you can buy more. A prolonged downturn means more opportunities to invest when prices are low and benefit from a potential upturn in the long term.
- You are not alone – arvy is by your side
Investing is a long-term process and you don’t have to go it alone. With arvy, you have a reliable partner who supports you with regular updates and valuable information. You are not just a passive investor, but an active part of the journey. You are part of the ship and part of the crew – together we navigate through the turbulent phases and head for sustainable success.
You can find more information, graphics and exciting insights on this topic in our blog post.
What returns can I expect?
The level of returns depends on your chosen investment strategy and your risk profile. Our strategies are based on scientifically sound approaches that aim to achieve stable and attractive results over the long term. While conservative strategies offer lower fluctuations and more stable returns, riskier approaches can achieve higher returns in the long term – but with higher fluctuations.
Generally speaking:
Equities yield CHF 6-7% per year.
Bonds yield CHF 2-4% per year.
How is my portfolio performance measured?
The performance of your portfolio is measured using the time-weighted return (TWR) and not the money-weighted return (MWR).
• TWR shows the pure investment performance regardless of deposits and withdrawals. • MWR takes into account the timing of your deposits and withdrawals and shows you how effectively your portfolio has grown, taking into account your own transactions. In the arvy app, you can view these values at any time and track the development of your portfolio. arvy calculates the return in the app using the time-weighted return (TWR), which is considered the standard in the financial industry. However, this method can give the impression that the return and the profit do not match. The reason for this is that the TWR ignores all deposits and withdrawals. The calculation is based on what the return would have been if the same amount had always been invested from the outset. This method enables a fair comparison of different investment solutions and strategies. The disadvantage of this method is that the return does not correspond to intuition (profit or loss divided by the total value of the investment solution) if you have made more than one deposit in your investment solution.How do I contact arvy support?
You can contact our support team via various channels:
- In-app/website chat: Directly and quickly accessible via the app or website.
- Email: Write to us at hello@arvy.ch at any time.
- Phone: During business hours, our employees are available by phone on +41 77 500 70 14.
arvy is there to help you with technical questions, concerns about your portfolio or other topics.
When is customer support available?
Our customer support team is available for you on weekdays during business hours. We endeavor to answer all queries as quickly as possible – often within just a few hours.
Is there any educational content that will help me invest?
Yes, arvy attaches great importance to financial education. In our app and on the website, you’ll find interactive stories, tutorials and videos to help you understand the basics of investing. We also explain current market trends and important financial topics – all in a simple and accessible way. About this: Have you subscribed to arvy’s Weekly yet?
Are there webinars or live events?
Yes, we regularly plan webinars and live Q&A sessions with financial experts. These events will help you to deepen your knowledge and get answers to specific questions. You will also be informed about important market trends and receive tips on how to become a successful investor.
How are my investments with arvy taxed?
In Switzerland, your investments are subject to wealth tax and income tax is payable on earnings such as dividends and interest. Sales of securities are generally tax-free as long as you are classified as a private investor. This means that you do not have to pay capital gains tax, which is a great advantage. Please note that we cannot offer tax advice.
What is a tax report and why do I need one?
The tax report is a document that summarizes all tax-relevant information about your portfolio. It shows
- Your annual dividend and interest income
- The total value of your portfolio at the end of the year (for wealth tax purposes)
- Important information you need for your tax return
This report saves you time and effort when filing your tax return.
Do I have to pay tax on capital gains?
No, in Switzerland capital gains are tax-free for private investors as long as you are not classified as a professional investor. This means that profits from the sale of any investments are generally not taxed.
Are taxes automatically deducted?
No, arvy does not make an automatic tax deduction. It is your responsibility to provide the relevant information from the tax report in your tax return.
Can I get tax support if I have questions?
Yes, our support team will be happy to help you with general questions about the tax aspects of your investments. For more complex issues, however, we recommend consulting a tax advisor to ensure that everything is reported correctly. Here too, we can help you with our network and suggest someone.
What makes the arvy app special?
The arvy app is not just an asset management tool – it is your personal companion on your investment journey. It combines simple navigation with powerful functions. The arvy app is characterized by the following features:
- Investing in the 30 best companies worldwide: arvy allows you to invest in the top companies in a simple and understandable way, allowing you to benefit from their success.
- Simple and transparent investment solutions: With arvy, you can easily open an account, select your risk profile and start with a one-off amount. You then set up a monthly standing order for dollar-cost averaging and arvy takes care of the rest.
- Integration of education and entertainment: arvy provides regular updates on your investments, delivers educational content and provides interactive features for a motivating and entertaining investment experience.
- Transparency and trust: The app emphasizes transparent processes and building trust by allowing you to clearly understand your investments and be in this adventure together with arvy.
- Professional investment management: Your investments are carefully researched, monitored and optimized by arvy to benefit from the compound interest effect in the long term.
This combination of ease of use, education and professional management makes the arvy app a unique investment platform. Our goal is to make you a confident investor – with an app you love to use.
What tools does the arvy app offer?
The arvy app offers a variety of features that provide you with a comprehensive and user-friendly investment experience:
- Easy account opening and risk profiling: open an account and choose your individual risk profile to receive personalized investment strategies.
- Automated savings plans: Set up regular deposits to continuously invest in the 30 best companies worldwide and benefit from compound interest.
- Transparent portfolio overview: Track your investments in real time and get insights into the companies you invest in.
- Educational content and market insights: Expand your financial knowledge with informative articles and updates to help you make informed decisions.
- User-friendly interface: The app’s intuitive design makes it easy to navigate and manage your investments.
These tools help you to invest effectively, expand your financial knowledge and build long-term wealth.
Are there regular deposit options?
Yes, you can set up savings plans and automatically make regular deposits. This is ideal for continuously investing smaller amounts and building up long-term assets. The minimum amount for such deposits is CHF 50.
Is the arvy app available for iOS and Android?
Yes, the arvy app is available in both the Apple App Store and the Google Play Store. It has been specially developed for mobile devices so that you can manage your investments anytime and anywhere.
I can’t sign up for the newsletter? The newsletter sign up does not work? I do not receive a confirmation?
No problem, just leave your e-mail address here and we’ll add you manually. Welcome to arvy’s weekly, every Friday, in less than 5 minutes!
Are there plans for new functions?
Yes, we are constantly working on improving the app and developing new features. Your feedback is extremely important to us. Our goal is to create the best investment experience for you.
What is the investment philosophy of the arvy equity fund and what is it based on?
The investment philosophy of the arvy equity fund is based on the approach “Good Story & Good Chart”. A “Good Story” involves investing in companies with sustainable competitive advantages, robust margins, high returns on invested capital, strong management, organic growth, an attractive free cash flow valuation, low debt levels, and structural tailwinds. A “Good Chart” complements the story by confirming market sentiment and providing valuable insights. Price behavior is a powerful tool to assess market sentiment, identify trends, and manage risks effectively.
“Good Story & Good Chart”® in essence: Buy great companies. Don’t pay too much. Hold them for the long term and let the trend work in your favor. A trader’s mindset guides us and allows for tactical adjustments to our positions and exposure. Our goal: Above-average risk-adjusted returns and wealth accumulation over decades.
Are the founders/fund managers themselves invested in the fund?
Yes, being part of the ship and the crew is a matter of course for us. We believe in what we do and therefore invest not only our time and expertise, but also our own capital in the funds. In this way, we are always directly connected to the interests of our investors. We have our pillar 3a, our regular investing (arvy Investment App) and also plan to invest our pension fund in the fund (this is currently being clarified).
What does “Good Story” mean in the context of the arvy equity fund and what criteria are considered?
“Good Story” refers to the fundamental strengths of a company. These include:
- Best-in-class business models (moat, revenue stability, ROIC, margins, management)
- Sustainable organic revenue/EPS growth
- Fair free cash flow valuation / robust FCF generation
- Low debt levels
- Structural tailwinds
If you acquire stocks of companies with these characteristics at a fair valuation, you will achieve excellent results over time. However, beware: it’s easy to fall in love with a “Good Story” due to its subjective nature. Therefore, we complement this with an objective perspective – the “Good Chart”.
What is meant by “Good Chart” and why is it important for the strategy?
“Good Chart” refers to the technical analysis of a company. It’s about observing price behavior to determine whether the market acknowledges the company’s strengths and story. Criteria we look for include:
- Stock price structure/behavior
- Accumulation/Distribution
- New highs
- Relative strength
- Linearity
The “Good Chart” approach complements fundamental data and helps adjust investments tactically.
How does the arvy equity fund select the companies it invests in?
The fund follows a selective approach, focusing on the 25 to 35 best quality companies worldwide. These are selected through the “Good Story & Good Chart” screening process. Over the past decade, we have developed this screening model to identify companies with a “Good Story & Good Chart,” meaning they possess quality characteristics and demonstrate solid compounding performance. The universe includes approximately 2,800 stocks, mainly from the MSCI All Country World, including emerging markets. From this universe, we maintain an “investable list” of around 220 companies that we monitor as candidates for the portfolio.
In which currencies can I invest in the arvy equity fund?
The arvy equity fund is available in three currencies:
- USD (primary class)
- CHF (hedged)
- EUR (hedged)
The hedging in CHF and EUR protects investors from currency risks and facilitates investments in these currency zones.
What fees apply to the arvy equity fund?
The fund charges an annual management fee of 1%:
- Management Fee: 1%
- Operations Fee: 0.24%
- Performance Fee: No performance fee
- Total Expense Ratio (TER): The total expense ratio is approximately 1.24%.
What are the ISIN numbers of the arvy equity fund?
The fund is divided into three classes, with the following ISINs:
- USD class: LI1306144802
- CHF-hedged class: LI1306144786
- EUR-hedged class: LI1306144810
With these ISINs, you can easily subscribe to the fund at your bank or platform.
In which countries is the arvy equity fund authorized for distribution?
The arvy equity fund is authorized for distribution in the following countries:
- Switzerland
- Germany
- France
- Austria
The fund is distributed globally under the recognized European UCITS regulation.
Which currency share class should I invest in?
The choice of the appropriate currency share class depends on several factors, particularly from the perspective of a Swiss investor. There is no one-size-fits-all answer, as it largely depends on personal judgment and market developments. In the past, there have been periods when the S&P 500 suffered significant losses in CHF (e.g., in 2011), as well as years when investing in CHF led to substantial gains.
Over the last 20 years, it has become evident that the performance of an unhedged or hedged fund is often comparable. Therefore, the decision on the right share class remains a personal one and depends on individual preferences and currency outlook.
For many investors, it makes sense to choose the USD share class, provided this option is available, as we manage a global strategy. In our case, we have selected a diversified solution, with approximately 60-80% in CHF and the remainder in USD.
What does UCITS mean and what is the 5-10-40 rule?
UCITS (Undertakings for Collective Investment in Transferable Securities) are EU regulations governing the structure and distribution of investment funds. They provide a standardized framework for funds to be distributed both within the EU and in countries outside the EU. UCITS funds are considered safe, transparent, and regulated, which makes them attractive to investors.
The 5-10-40 rule is a specific rule within the UCITS guidelines designed to ensure the diversification of a fund. It states:
- A maximum of 10% of the fund’s assets can be invested in a single position.
- Positions over 5% must collectively account for no more than 40% of the fund’s assets.
This rule ensures risk diversification within the portfolio.
What is the minimum investment to invest in the fund?
The minimum investment is one share, which is approximately CHF/EUR/USD 11, depending on the currency. This allows even smaller investors to access a professional fund strategy.
How often can I buy or sell shares?
The fund offers daily liquidity, meaning investors can buy or sell shares at any time. The valuation also takes place daily, so you will always have access to current prices.
What happens with dividends? Are they paid out?
The fund is accumulating, meaning all dividends are reinvested. This maximizes the long-term growth effect of capital through compounding.
Which benchmark does the fund use?
The arvy equity fund is benchmark-agnostic, meaning it is not tied to a specific benchmark such as the MSCI All Country World. Instead, the focus is on identifying the best investment opportunities globally and outperforming the benchmark over the long term.
How is the tax transparency of the fund handled?
The fund provides tax transparency in the countries where it is authorized:
- Switzerland: Tax transparency according to ESTV.
- Germany: Classified as an equity fund with corresponding benefits for German investors.
- Austria: Full tax reporting.
- Liechtenstein: Full tax reporting.
What are the portfolio characteristics of the fund?
The portfolio consists of around 30-35 quality companies with the following characteristics as of the end of 2024.
Is there a performance fee, and how is the return measured?
No performance fee is charged. The return is shown net (after all fees), which enables transparent performance measurement. We are invested with our own money in the fee-based strategy and are not interested in being paid through performance fees but through compounding over decades. This is where true wealth is accumulated and created.
How can I invest in the arvy equity fund?
The fund can be subscribed to through all Swiss banks. A securities account is required for this. If you wish to subscribe via Swissquote, please note that you must log in to find our fund with the Valor/ISIN.
Can the fund also be subscribed to through discount brokers (Interactive Brokers, Swissquote, etc.)?
Discount brokers work with low-fee models and typically offer a limited universe of funds. In most cases, it is not possible to subscribe to the fund through discount brokers like Interactive, Commdirect, or Charles Schwab. However, at Swissquote, it is possible to subscribe, but you must log in to see our funds.
What risks are associated with investing?
Like any equity fund, there are risks, including:
- Market risk: Fluctuations in the global stock market.
- Currency risk: Depending on the chosen currency class.
- Single security risk: Focus on 30-35 positions.
The fund tries to minimize risks through diversification and a focus on quality companies.
When was the fund founded, and what is its history?
The fund was launched in December 2023. However, the underlying strategy has a proven track record since February 2019 and has been developed and refined over the years. This strategy has already ranked among the top 10% over 3- and 5-year periods.
Why should I invest in the arvy equity fund?
Our concentrated portfolio of 30 holdings can serve as a core component of any equity portfolio or as a diversifier for an ETF portfolio. The fund is available in USD (base currency), CHF (hedged), and EUR (hedged), with an annual management fee of 1% (NO performance fee).
Why now: Link to PDF document about why now.
Are there regular updates or reports on the fund’s performance?
Yes, arvy provides regular reports, including monthly and quarterly reports (see YouTube), which provide detailed information on the fund’s performance, market developments, and portfolio changes. These reports are available on the website. Additionally, we provide weekly insights through arvy’s Weekly, with over 7,000 readers in the DACH region.
What role does sustainability play in the arvy equity fund?
At arvy, we believe that sustainability in investments goes beyond environmental factors. In our equity strategy, we emphasize solid corporate governance and strong social principles. We select companies with top-tier management and a solid track record in these areas. Our approach is based on the conviction that companies led with integrity and responsibility are more likely to perform well than unstable management teams or turnaround stories. This comprehensive consideration of ESG (Environmental, Social, and Governance) is an integral part of our investment philosophy and reflects our commitment to creating value beyond financial returns and promoting a sustainable future.
Can the fund serve as a building block in a diversified portfolio?
Yes, the fund is an excellent component for a diversified portfolio. By focusing on global quality companies, it complements other asset classes like broadly diversified ETFs, bonds, real estate, or alternative investments.
What advantages does an active fund like arvy offer compared to ETFs?
An active fund like the arvy equity fund offers the advantage of having an experienced management team making active investment decisions. In contrast to ETFs, which typically track an index, arvy selectively chooses the best global quality companies. This selective approach allows for outperformance by identifying opportunities and avoiding risks that an index may overlook. Additionally, fund management can respond flexibly to market changes.
How are currency risks managed in the fund management?
The arvy equity fund has USD as its reference currency, and no currency hedging is done within the fund. Hence, there is USD risk. The EUR/CHF share classes are currency-hedged and typically perform slightly worse than the USD share class due to interest rate differentials.
Is there a recommended investment horizon for the fund?
Yes, the fund is designed for long-term investments. A minimum investment horizon of 5 to 10 years is recommended to benefit from the sustainable growth strategy. Long-term investing allows for smoothing market fluctuations and fully leveraging the potential of the fund.
How does the fund’s performance compare to other global equity funds?
Since its inception, the arvy equity fund has delivered above-average risk-adjusted returns. With an annual return of 11.5% (as of December 2024), it surpasses the average of many comparable global equity funds. The combination of low volatility and stable performance makes it an attractive option for investors focused on long-term value development. This strategy has already ranked in the top 10% over 3- and 5-year periods.
Why is now the right time to invest in the arvy equity fund?
The current market conditions offer a favorable environment for the arvy equity fund. The global economy is transitioning into a new growth cycle, with key sectors such as technology, healthcare, and sustainability gaining momentum. As many high-quality companies are well-positioned to benefit from these trends, the arvy equity fund aims to capture these opportunities while minimizing risks. With strong fundamentals, good growth prospects, and a disciplined investment approach, now is an excellent time to invest in the fund and benefit from long-term growth.