Table of Contents
Welcome aboard to arvy
You’re now part of the ship. Part of the crew. Our course is set and our commitment to you is clear: we only offer what we believe in and practice ourselves.
But the idea for this investment app didn’t start with us alone – it grew from listening to our friends’ concerns and frustrations about investing. Again and again, we heard the same four challenges:
- “I don’t know where to start.”
- “Investing makes me anxious.”
- “I don’t think I have enough money to get involved.”
We also heard a deeper concern:
4. “I do not know who is managing my money”
We understand. And that’s why we created arvy: to inform and empower you and to make investing accessible, manageable, and impactful. We believe in the power of compound interest, and we know it’s a privilege to help others grow their wealth. That’s why we designed our investment solution with a long-term vision for growing your wealth. We invest alongside you, putting our own money where our mouth is, because we only offer what meets our highest standards. We lead by example.
But before we dive deeper, you might be wondering: Who are we?
The arvy Investment Team: Our Commitment and Alignment with You
Behind the arvy investment app is a team of experienced and passionate investors who are dedicated to your success. Founded by Florian, Patrick, and Thierry, friends for sixteen years and co-workers for seven. Each of us brings something unique to the table, but we share a singular objective: informing and educating while making investing simple and understandable for everyone.
We don’t just advise you; we’re in the same boat. Our team’s capital is invested alongside yours because we believe in this approach and have proven that it works. This co-investment philosophy means that we share your interests and have the same incentives, fostering a true partnership between us.
Now, let’s move to our Owner’s Manual – your guide to getting the most out of the arvy investment app and our joint investment journey.
Why is an Owner’s Manual Necessary?
At arvy we want you to have an Owner’s Manual. Why? We want you to have a clear understanding of what arvy aims to achieve and how we go about it. When you’re on board with our approach, we all work toward a shared goal. This is not just an investment app; it’s an experience we aim to build with you.
Our vision is 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 our plan – together.
We steer clear of fleeting investment fads. Instead of chasing trends, we adhere to a disciplined, quality-focused strategy. Patience is our anchor. Long-term success depends on staying invested and tuning out market noise. Informed and educated investors make better decisions, and humanizing the journey keeps us connected to your goals. Together, we sail toward your financial aspirations.
So, how do we do it and what is the best way to use the arvy investment app?
How to Best Use the arvy Investment App
Information, Education, and Entertainment – Improving Your Financial Literacy Along the Journey
At arvy, we understand that investing can feel overwhelming – especially if you’re just starting out.
That’s why we’ve designed the app to let you jump in without needing any prior knowledge. The goal? Start now, learn as you go, and build confidence with every step. Our commitment is to keep you informed, educated, and engaged so that your journey with us is profitable, enriching, and yes, even enjoyable.
Information: You’ll receive regular updates on your investments and the markets. We won’t flood you with data. Our updates are clear, concise, and designed to help you make sense of the markets without getting lost in jargon.
Education: Financial literacy is the foundation of long-term investment success. We’re here to help you learn. From basic concepts like stocks and bonds to advanced topics like portfolio diversification, we provide educational content that builds with you. Our goal is to make you a confident investor, not just a passive one.
Entertainment: Investing doesn’t have to be all numbers and news. We believe that learning and growing wealth can be enjoyable, too. Our app includes interactive features, engaging content, and, at times, a bit of light-hearted fun to make sure you stay motivated. Investing is a journey, and we want to make sure you’re excited to be part of it.
In sum, we are more than an investment platform; we’re your companion in building financial confidence and literacy, allowing you to grow as an investor with each investment you make.
We’re here to support you every step of the way, so dive in, stay curious, and enjoy the journey.
So how do we invest your wealth together with you?
Investment Philosophy: A quality focused approach to investing
We’re often asked what drives our approach to investing. To put it simply, we believe in disciplined, long-term investing in high-quality, resilient assets, whether equities, bonds or any other asset class, that can withstand the test of time. Rather than chasing high-risk opportunities or jumping on fleeting trends, we aim to identify investments that offer sustainable growth.
In short, we invest in quality stocks and bonds from quality issuers. For any other asset class that may one day follow (gold, bitcoin, private equity or others), we strive to find the best available investment opportunity for us.
Do you know arvy’s Weekly? We write about our philosphy every Friday, in less than 5 minutes
Our approach is grounded in our dedication to compounding returns over the long term. By making investments that we believe in deeply, we avoid unnecessary trading and focus on optimizing growth. We are dedicated to this philosophy, and we believe it’s the best way to help you reach your financial goals while minimizing the stress and complexity often associated with investing.
So, we showed you how we think and invest your wealth.
But how shall you participate and invest?
The Holy Grail of Investing: Lump Sum + Dollar-Cost Averaging
Our offer for you and your future self includes normal investing, pillar 3a and the children’s account. For all services, we recommend a simple but effective investment strategy: Lump Sum + Dollar-Cost Averaging, or DCA.
Starting with a lump sum is your first step, because time in the market consistently beats timing the market. By investing a larger initial amount as soon as you can, you give your money the maximum opportunity to grow, taking advantage of compounding from the outset.
With Dollar-Cost Averaging, you then add a fixed amount of money to your investments at regular intervals, regardless of the stock price. By sticking to this routine, you avoid the stress of “timing the market” and smooth out the impact of market ups and downs. When prices are low, you buy more shares; when prices are high, you buy fewer.
The beauty of DCA is its simplicity and its ability to reduce emotional decision-making. It’s especially helpful for new investors or those nervous about market fluctuations, as it keeps you focused on long-term growth rather than day-to-day changes. By sticking to DCA, you can let compound interest work its magic over time. Your investments grow, appreciate, and begin to build on themselves, all while you continue with your plan of investing, say, 10% or 20% of your net income monthly.
Lump Sum + Dollar-Cost Averaging, Example: arvy equity, $10k + $250 Monthly DCA
arvy will keep you updated on investments, provide educational insights, and even sprinkle in a bit of fun along the way. It’s as simple as it sounds: open an account, choose your risk profile, start with a lump sum as your initial investment and set up a monthly standing order for the Dollar Cost Averaging. That’s it – we’ll take care of the rest and keep you informed and educated along the way.
Now, let’s come to the last part, the most important one.
That’s you!
The Greatest Threat to Your Investment Performance: Yourself
The biggest risk to your investment performance isn’t the market – it’s your behavior.
Many investors fall into classic traps – buying high and selling low, driven by emotions like fear and greed. News headlines, market noise, and sensationalized stories can prompt hasty decisions. But the market trends upward over time. The key is to stay the course.
At arvy, we help you stay disciplined. Our job is to inform, educate and humanize the process. When emotions run high, we’ll remind you of your long-term goals. Together, we’ll stick to the plan (DCA) – come rain or shine.
Let’s summarize all.
How to make the best use of the arvy investment app
- Start with a Lump Sum: Whether you have CHF 2,000, CHF 10,000, or CHF 50,000, the important thing is to start. If you’re new to investing, consider spreading this initial investment over a few months to ease in. For example, you could invest one-third each month over three months or every second month over six months.
- Commit to DCA: After your lump sum investment, stick to Dollar-Cost Averaging. Invest 10% or 20% of your net income monthly. Consistency is key. That’s the approach we follow at arvy, too.
- Grow with Us: As you invest, we’ll continue to provide updates, educational content, and a bit of fun along the way. Together, we’ll make sure arvy is the best investment experience possible. Your feedback along the way is highly appreciated to improve the investing journey.
That’s it! Let’s make compound interest work its wonders together.
Welcome aboard the arvy ship.
Now you’re part of the crew.
Share with your friends. Your support means the world to us.
