Make your spare change grow!

    Set money aside easily thanks to Peaks and take ownership of your financial future.

    Anyone can invest with Peaks!

    Start from €1

    No need to be rich to get started! Only invest the money you can spare.

    No prior knowledge needed

    Our app is user-friendly and highly intuitive, even for finance newbies.

    You always have access to your money

    You can withdraw your money and stop investing anytime.

    Why investing?

    Going on an epic trip around the world, becoming a house owner or reaching financial freedom: we all have financial dreams and goals. Investing can help you achieve them. With Peaks, it’s easy to build up a nest egg for your future, with chances of good returns. The longer you invest, the more your money will work for you, thanks to the magic of compound-interests!

    Investing is an activity made for the long run. With regular and consistent contributions, even from as little as €1 a day, you can work your way towards more financial freedom. Here are the four portfolios we have put together for you with care - all with their own expected risk and return.

    i

    Explanation of the costs

    The cost calculator

    The costs in the calculator are based on the size of your investment, how long you are planning to invest your money, your chosen portfolio and the expected return of that portfolio. The cost in euros is the total cost for the duration of your investment. The cost per year in percentages is the average cost per year during the chosen period. 

    The cost calculator was created to show you the impact of costs on the expected return of your investments. As you can see, the cost percentage decreases as you deposit more money. The calculator also shows that if you start investing with a small amount of money, the costs of investing with Peaks can be relatively high in the short term, when compared to the expected return of your portfolio. Depending on the chosen portfolio it can therefore be a good idea to give yourself a head start by depositing a larger one-time amount or setting higher recurring deposits, to keep relative costs low. 

    The costs of the Peaks app

    If you have the starter package, you pay €0.99 per month. In addition, you pay 0.5% of the average value of your investments per year (you pay this in instalments - a little each month). The costs for the app are automatically deducted from your Peaks account, not from your bank account.

    The costs of the ETFs

    With Peaks you invest passively in ETFs, or exchange-traded funds. If you invest in funds you always have to pay for the operation of those funds. You don’t pay this amount to Peaks, but to the fund providers, such as iShares or UBS. The average cost per fund, per portfolio, is between 0,15% and 0,23% of your invested money per year. This is automatically deducted from your return.

    The transaction costs

    Each time you deposit money, withdraw money or switch portfolio, a small percentage will be paid to the stock market traders of the index funds in which you invest.

    One-time deposit

    €0
    €200
    €5,000

    Monthly deposit

    €10
    €100
    €500

    For a period of years

    Choose your portfolio

    Mild

    €13,746 Expected result after deducted costs

    €1,546 Profit (after costs)

    €10,262

    Worse than expected

    €13,746

    Expected

    €17,235

    Better than expected

    What are the costs?

    Mild

    Total costs after years 10 yearsIn % per year
    Costs for Peaks€4560,88%
    Costs for the index funds€1210,15%
    Transaction costs€50,04%
    Total costs€5831,1%

    These are the costs for the chosen period. The costs are calculated based on an expected (gross) return of 2,2% per year for portfolio Mild. The expected net return of the chosen time period is 2,1% per year.

    Back to results

    Spicy

    €13,746 Expected result after deducted costs

    €1,546 Profit (after costs)

    €10,262

    Worse than expected

    €13,746

    Expected

    €17,235

    Better than expected

    What are the costs?

    Spicy

    Total costs after years 10 yearsIn % per year
    Costs for Peaks€4560,88%
    Costs for the index funds€1210,18%
    Transaction costs€50,04%
    Total costs€5831,1%

    These are the costs for the chosen period. The costs are calculated based on an expected (gross) return of 3,2% per year for portfolio Spicy. The expected net return of the chosen time period is 2,1% per year.

    Back to results

    Hot

    €13,746 Expected result after deducted costs

    €1,546 Profit (after costs)

    €10,262

    Worse than expected

    €13,746

    Expected

    €17,235

    Better than expected

    What are the costs?

    Hot

    Total costs after years 10 yearsIn % per year
    Costs for Peaks€4560,88%
    Costs for the index funds€1210,2%
    Transaction costs€50,04%
    Total costs€5831,1%

    These are the costs for the chosen period. The costs are calculated based on an expected (gross) return of 4,2% per year for portfolio Hot. The expected net return of the chosen time period is 2,1% per year.

    Back to results

    Flaming

    €13,746 Expected result after deducted costs

    €1,546 Profit (after costs)

    €10,262

    Worse than expected

    €13,746

    Expected

    €17,235

    Better than expected

    What are the costs?

    Flaming

    Total costs after years 10 yearsIn % per year
    Costs for Peaks€4560,88%
    Costs for the index funds€1210,23%
    Transaction costs€50,04%
    Total costs€5831,1%

    These are the costs for the chosen period. The costs are calculated based on an expected (gross) return of 5,3% per year for portfolio Flaming. The expected net return of the chosen time period is 2,1% per year.

    Back to results

    * The results displayed are meant to give you an idea of what you could achieve with the portfolios, in various scenarios. These are not guarantees but expectations. The calculations are based on the expected return and risk of the portfolios over the long term. The actual result will therefore differ from the results you see.

    Three packages to choose from

    Peaks offers everyone a suitable package to invest. For example, there is one package for anyone who only wants to invest with one Peaks account and two packages for anyone who wants to invest in multiple portfolios at the same time. Investing is equally easy in all packages, they only differ in price and in the number of accounts you can open.

    Starter

    Easy investing with 1 Peaks account

    Cost

    €0 ,99 per month
    +
    0 ,5% per year*
    What's in it?

    Invest with your change

    Invest a fixed amount per day or per month

    Automatically invest in sustainable index funds

    Complete

    Just as easy to invest as the Starter – with up to 3 Peaks accounts

    Cost

    €1 ,99 per month
    +
    0 ,5% per year*
    What's in it?

    Invest with your change

    Invest a fixed amount per day or per month

    Automatically invest in sustainable index funds

    Open up to 3 accounts with different portfolios

    Link a different bank account to each account

    Investing with your change is currently only available for your first account

    Premium

    Just as easy to invest as the Starter – with up to 5 Peaks accounts

    Cost

    €4 ,99 per month
    +
    0 ,3% per year*
    What's in it?

    Invest with your change

    Invest a fixed amount per day or per month

    Automatically invest in sustainable index funds

    Open up to 5 accounts with different portfolios

    Link a different bank account to each account

    Pay 0.3% variable costs per year instead of 0.5% *

    Investing with your change is currently only available for your first account

    * You pay the variable costs of 0.5% or 0.3% of the average value of your investments per year in installments - so every month 1 ⁄ 12 .

    Spread your risk

    With Peaks, you invest in six Exchange Traded Funds (ETF) composed with hundreds of shares and bonds. This allows you to spread your risk and opportunities across different sectors and countries all over the world.

    Why choose Peaks?

    Socially responsive investing

    With Peaks you invest in socially responsible index funds. You won’t invest your money in certain sectors, such as the tobacco industry.

    5 minute onboarding

    Creating a Peaks account on the app is quick and easy. In no time, you will be able to start building up a nest egg for your future.

    Your money is safe

    Your investments are not held by Peaks, but by the Peaks Fund Management Foundation (Stichting Beheer Derdengelden Peaks). This means that your money will always be yours. No matter what happens to Peaks.

    Invest on your own terms with Peaks

    Peaks is a simple way of investing: you decide which investment and portfolio fit your personal situation.

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    Investing always involves risks. Know that you could lose (a part of) your invested money.

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