With the arvy 3a solution, you invest in 30 hand-picked quality companies. That’s all you need to build your wealth over the long term.
1. Open Account
Open an account in just 10 minutes with our digital onboarding. All you need is a PC, a copy of your ID, and, if available, your current 3a policy number.
2. Risk Type
Next, answer a few questions about your risk appetite so we can suggest the right profile for you.
3. Set Up A Standing Order & Save Taxes
As an investor, you can spend hours wondering when the best time to invest is. Thanks to the standing order directly from your salary account, you no longer have to worry about this. And the best thing about it: you save taxes!
Transparency & Trust
Numbers to Stories
Learn & Grow
Together
We make investing simple, honest and human. Start with small amounts, track your money transparently and invest together with us – we are in this adventure together.
Investing is more than just numbers – it’s about the stories behind them. Our aim is to inform, educate and motivate you so that your journey with us is profitable, enriching and yes, even entertaining.
Your portfolio reflects real companies that shape your life. We connect you with the business models you invest in. That’s why you know what you own and why you own it.
Benefit from the strategies of your investment crew. Your investments are carefully researched, monitored and optimised so that compound interest works for you and your assets in the long term.
Your money is safe thanks to the cooperation with Hypi Lenz & Liberty Vorsorgestiftung
We share captivating and educational stories about the markets and companies, every Friday, in less than 5 minutes.
This will keep you up to date with what’s happening in the world and make you the smartest person in the room.
Here is a selection of our most read articles.
How do I open an account with arvy?
You can open your 3a account on our website. You will need about 15 minutes, a photo of your ID or passport, your AHV number (e.g. on your health insurance card) and, if available, the contract number of your existing 3a account (should be on every 3a document). At the beginning you answer a few questions about your risk type, then you can select the right arvy profile and, if available, transfer your capital. After a few hours, you will receive a confirmation by e-mail. If you are transferring an existing account, please print out the “Services” PDF and sign it. After that, everything is done and you can sit back and relax.
Pillar 3a is currently still website-based and will be integrated into the app in the course of the year.
What documents and requirements do I need to open a 3a account?
You need:
- Domicile Switzerland and taxable in Switzerland
- At least 18 years old
- Swiss cell phone number
- A valid identity document (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. US citizens and companies cannot open an account with us for regulatory reasons.
Is there a minimum investment amount?
The minimum is CHF 1. The maximum you can pay in is CHF 7,056 per year.
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 advantages 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 sit back and relax.
How often can I deposit? How often is the rebalancing?
You can pay in as often as you like, up to a maximum of around CHF 7,056 per year. The money is rebalanced/invested once a month (always on the 16th of the month)
Why do the onboarding fees differ from those on the website?
The bond fund is weighted differently depending on the investment profile. As the costs are charged directly to the fund, we have reduced the other fees so that all profiles are equally expensive.