savings plan

Your future wealth starts today

With arvy, you can turn savings into growth and become a co-owner
of worlds iconic brands

Expected value: 0

What happens to CHF 200/month invested over 10 years.

benefits

Why Savings plan with arvy?

Reach your
dreams faster

Home, travel, or freedom?
Get there faster!

Smartly diversified

Your money spreads across iconic companies and assets

Starting from CHF 100

Let recurring deposits grow your investment with no effort at all.

You are always in
control

Track, adjust or pause anytime from your phone.

Risk profiles

Choose your path to financial freedom

Whether you want to play it safe or go for
growth, we’ve got an option for you.

Defensive profile

Think of it like:
Walking steadily on a safe path instead of sprinting,slower, but with fewer chances of tripping.

What it means:
Most of your money is in safe, stable investments, with just a little in stocks for some growth.

Who is it for:
For people who want to protect what they have, don’t like big changes in value, and plan to use their money in the next 3 years or more.

30% in stocks

For maximum safety and minimal risk

Risk/Reward
Low
  • Mostly safe, stable bonds (70%) investments with a small growth boost from stocks (30%).
  • If you’ll need your money in 3+ years and want to protect it.
  • Expected return: 3% per year.
  • Starting from CHF 100

Balanced profile

Think of it like:
Driving a car that can go really fast, but has a good brakes.

What it means:
Most of your money is in stock for growth, but some is in safer investments (like bonds) to soften the blows when the market falls.

Who is it for:
For people who want their money to grow but prefer fewer big swings, and can invest for at least 5 years.

60% in stocks

For steady growth without big swings

Risk/Reward
Medium
  • A smart mix of stocks (60%) for growth and bonds (40%) for stability.
  • Great if you can invest for 5+ years and want balance.
  • Expected return: 5% per year.
  • Starting from CHF 100

Growth profile

Think of it like:
Riding a rollercoaster that goes high and fast, exciting, but not for the faint of heart.

What it means:
Your money is all in the stock market, so it can grow a lot over time, but it can also drop sharply during bad years.

Who is it for:
For people who can leave their money invested for at least 7 years, aren’t afraid of ups and downs, and want the highest possible long-term return.

100% in stocks

For go getters chasing bigger returns

Risk/Reward
High
  • All-in stocks for the strongest long-term growth potential.
  • Perfect if you can invest for 7+ years and want your money to work harder.
  • Expected return: 7% per year.
  • Starting from CHF 100

how it works

Your first investment is just 3 steps away

Investing with arvy is straightforward. We’ve stripped away the complexity, so you can start building your future with ease and confidence.

Download our free app

Get access to carefully curated portfolio and track your wealth in real time anywhere, anytime. Download the app and open an account directly in our application.

arvy app onboarding mobile

Set up your account

Tell us a bit about your finances & goals. We can determine your risk apetite and we will recommend a suitable profile for you.

arvy dashboard mobile

Place a standing order and sit back

Simply set up a standing order with your bank and watch your assets grow. We’ll keep you up to date in our app.

Download our free app

Get access to carefully curated portfolio and track your wealth in real time anywhere, anytime. Download the app and open an account directly in our application.

arvy Onboarding desktop

Set up your account

Tell us a bit about your finances & goals. We can determine your risk apetite and we will recommend a suitable profile for you.

arvy app dashboard desktop

Place a standing order and sit back

Simply set up a standing order with your bank and watch your assets grow. We’ll keep you up to date in our app.

FEES

Simple, fair, and transparent

annually

What is included in the fee?

  • Professional management of your portfolio
  • Included foreing currency surcharges
  • The use of our app with all its functions, including educational content and support
  • All transaction costs and custody fees
  • Tax certificate

Product costs & Stamp duties

In addition

there are product costs and stamp duties, depending on the investment profile.

Growth profile

Product costs

What are Product costs?
Product costs are fees charged by the underlying investment products themselves – like ETFs and mutual funds – that make up your portfolio. These are management fees (expense ratios) that the fund providers charge to cover their costs of running and managing the funds.

0.22%
Stamp duty

What is Stamp duty?
Stamp duty is percetage based tax payable to the government when you purchase or sale securities ( shares, bonds and ETFs )

0.00%

Balanced profile

Product costs

What are Product costs?
Product costs are fees charged by the underlying investment products themselves – like ETFs and mutual funds – that make up your portfolio. These are management fees (expense ratios) that the fund providers charge to cover their costs of running and managing the funds.

0.295%
Stamp duty

What is Stamp duty?
Stamp duty is percetage based tax payable to the government when you purchase or sale securities ( shares, bonds and ETFs )

0.057%

Defensive profile

Product costs

What are Product costs?
Product costs are fees charged by the underlying investment products themselves – like ETFs and mutual funds – that make up your portfolio. These are management fees (expense ratios) that the fund providers charge to cover their costs of running and managing the funds.

0.35%
Stamp duty

What is Stamp duty?
Stamp duty is percetage based tax payable to the government when you purchase or sale securities ( shares, bonds and ETFs )

0.102%

*For domestic securities, stamp duty is 0.075% of the transaction amount, while foreign products are subject to 0.15%.

How arvy compares to others

How arvy compares to others

We’re not a selling products — we’re long-term co-investors sharing the same journey, insights, and conviction.

  • Philosophy
  • Transparency
  • Engagement
  • Minimum
  • Bank
  • Products only
  • No transparency
  • Call-Center
  • CHF 10'000+
  • Robo-advisor
  • Platform only
  • Limited transparency
  • Automated E-Mail
  • CHF 500 - 30'000

Refferal

Boost your returns together

Invite up to 4 friends and increase your net returns — your management fee can drop to just 0.8% per year.

With arvy, investing gets better together. Each friend you invite helps you keep more of your gains. Share your personal referral code, and when your friend invests at least CHF 100, your annual fee decreases by 0.1%.

Start sharing and enjoy the benefits of growing the arvy community!

Testimonials

What our clients say

Vanessa Rüegg

”Arvy impresses with its innovative solutions that make investing accessible and understandable. I especially like the combination of excellent customer service and an informative newsletter that offers education, inspiration and entertainment. The simple and intuitive design makes investing a real lifestyle. A great all-in-one solution for anyone looking to enter the world of investing or modernize their strategy!”

Matt Schellenberg

”A great new platform that's committed to taking users on a journey with exciting and entertaining knowledge. I look forward to the arvy Weekly newsletter and the background information on investments every Friday.”

Leroy Bächtold

”Arvy is an absolutely innovative company! I'm particularly impressed by the newsletter, which not only informs but also inspires and entertains. A fantastic lifestyle investment product that breathes fresh air into the financial world!”

Tim Odermatt

”A competent, innovative, and reputable team that provides exciting background information on investing in a new format.”

Kevin Gianom

”Absolutely great! I‘m really happy that I went with arvy. Easy to invest, great customer support and I‘m extremely impressed with the performance of my investment. Being in the top 10% of funds is no coincidence.”

BLOG

Latest investment stories & insights

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.

FAQ

Still unsure? We’ve got answers

What is the arvy Savings plan?

It’s an automated way to invest regularly via a standing order. You can start with an initial payment of min CHF 100+, then set up a standing order from your personal bank account to your investing HBL account (where you money are held, at our partner bank, Hypothekarbank Lenzburg).

How do I set it up?

Download the app (App Store/ Google Play), register with your email, answer a short goals/risk questionnaire, and scan your ID/passport. Verification by our partner bank typically takes ~2 business days, after you can start investing and you can set up a standing order and we will take care of the rest.

What’s the minimum to start and to keep contributing?

You can start with min CHF 100. After that, you can top up flexibly from min CHF 50.

How often is my money invested?

Contributions are invested twice per month (beginning and mid-month). Positions typically appear in your portfolio about 2 business days after purchase.

Can I change/pause/stop my Savings plan, and withdraw anytime?

Yes. Because the monthly plan is a standing order at your bank, you can increase, reduce, pause, or stop it whenever you like. There’s no lock-in: you can request a withdrawal in the app at any time; your positions will be sold and the proceeds sent to your linked account (typically within a few business days).

Did not find your question?