Based in Switzerland, arvy is a modern asset manager that positions itself between traditional high-cost banks and low-cost robo-advisors. It focuses on a “Quality Investing” philosophy, where the founders “co-invest” alongside clients.
Products and fees are not mustachian (actively managed fund at 0.69% to 0.89% p.a.), but it is the calculators that drew me to this site. Simple to use, good GUI on small screens –> a great tool to quickly demonstrate the benefits of budgeting, saving and investing to our non-mustachian friends.
Services
Actively managed fund: Unlike passive robo-advisors, arvy manages a concentrated portfolio of 25-35 “quality” global companies (e.g., Microsoft, Visa, LVMH).
Educational Content: Provides “arvy Weekly” insights and a community-driven app to help users understand the “why” behind their investments.
Calculators: Simple and Swiss-based tools allow you to calculate monthly savings rate, inflation effect, investment effect, FIRE number.
Target Group
Arvy targets long-term investors - ranging from beginners to experienced individuals - who want professional stock selection without the high barriers or costs of private banking. It is designed for those seeking a “skin in the game” approach and a deeper connection to their holdings than a standard ETF provides.
And the relatively low amount of 10k is in their favor due to Swissquote’s minimum/flat fees. With a 6+ digit investment sum (on average in the long term), their solution is quickly more expensive even if we were to assume 40 trades at Swissquote each year (which isn’t necessary, of course). And even if we restrict the comparison to Swiss brokers, they are obviously missing Saxo as comparison.
The robo advisor comparison is also suspicious. TrueWealth, a well-known Swiss robo advisor, has total fees of less than 0.65% p.a. and they use 0.88% in their comparison. And VIAC and finpension are below 0.5% p.a.
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