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).

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.

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

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

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).

You will get a personal account at our partner bank, Hypothekarbank Lenzburg (HBL), where 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. Your investments remain legally yours even if arvy or the bank goes bankrupt. 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.

Your money is allocated between two carefully selected building blocks:

• 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.

Allocation depends on your risk profile: Defensive (30% equities / 70% bonds), Balanced (60% equities/ 40% bonds), or Growth (100% equities/ 0% bonds).

Yes, you can change profiles anytime in the app with no fee from arvy, but switching profiles involves selling/buying, so stamp duty/exchange fees may apply.

Yes—arvy uses accumulating products where possible, so distributions are automatically reinvested (and where not, they’re reinvested with the next deposit). Arvy

Absolutely! arvy encourages a lump-sum + monthly approach; you can add extra contribution anytime.