Investment strategies and products

For our Savings plan you can pick a risk profile that fits your goal: Defensive (30% equities / 70% bonds), Balanced (60% equities/ 40% bonds), or Growth (100% equities/ 0% bonds). For our Pillar 3 a plan, you can pick from 5 risk profiles. Go to Pillar 3a plan risk profiles for more information. We aim for long-term, goals-aligned returns.

A curated mix of arvy’s equity fund and the Flossbach von Storch Bond Opportunities fund. Bbuilt for quality and broad diversification.

• Equities: the arvy Equity fund. a concentrated portfolio of ~30 iconic, quality companies worldwide (“Good Story & Good Chart”).
• Bonds: the Flossbach von Storch Bond Opportunities fund for stability.

Yes! Quality first with ESG factors embedded in selection, focusing on strong, responsibly run global companies. (ESG = Environmental, Social, and Governance. A lens investors use to assess how a company treats the planet, people, and how it’s run.)

Currently twice per month (beginning & mid-month); portfolio positions usually show about 2 business days after purchase. In near future, we will increase the frequency to weekly.

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.

Yes! Change it anytime in the app with no arvy fee. Switching involves selling/buying, so statutory costs (e.g., stamp duty, exchange fees) may apply. Customize/update your profile when your goals, horizon, finances, or risk tolerance change, not in response to short-term market developments. 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.

No. We keep it simple: pick one of three ready-made portfolios, each built from two carefully selected funds for optimal risk/return and broad diversification. It’s long-term by design. No micromanaging needed.

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.

We use only physically replicated products, meaning the funds own the underlying equities and bonds. We avoid synthetic replication, which mimics indexes via derivatives and introduces counterparty risk. Providers clearly disclose replication methods; we choose physical for transparency and security.

We prioritize research backed, transparent investments designed for long-term stability. Cryptocurrencies are exciting but highly volatile, so we don’t offer them today. We continuously evaluate the space and may include cryptocurrency in future, once they meet our security, transparency, and longevity criteria.