Why should you invest?
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You have a dream
Perhaps you are working towards realising a dream. From travelling around the world to buying a new house, investing your money can get you closer to reaching your goals.
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You want your money to work for you
Interest on savings accounts is at an all-time low, which means your wealth only increases if you earn or save more. With Peaks you can automatically invest small or large amounts and let your money do the work.
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You want financial freedom
The longer you invest, the more your money can do. Really. Thanks to compound interest, your money can increase exponentially. In the long term, this can help you achieve the financial freedom to stop worrying about money, or even retire early.
What makes investing with Peaks so easy?
- It’s automatic
- Choose the amount you want to deposit every day, week or month and we’ll do the rest. You won’t have to lift another finger.
- It’s accessible
- Everyone’s financial situation is different, which is why you can start investing with as little as €1 or as much as €10 a day.
- It’s flexible
- It’s your money, so you can deposit more, or withdraw as much as you like - whenever you like.
- It’s diversified
- Peaks invests your money in several ETFs (exchange-traded funds) across the world, yielding higher returns and lower risks than investments in individual stocks or bonds.
- It’s fun
- See what’s happening to your money at any time and stay up to date with the world of investing thanks to our blog.
- It’s sustainable
- No matter which portfolio you choose with Peaks, you always invest in companies committed to sustainability.
Calculate how much you can earn from investing
How much do you want to set aside? And how much can your money generate in a few years? Peaks lets you choose one of four portfolios, each with different returns and risks*. The riskier the portfolio, the higher your return can be.
One-time deposit
Monthly deposit
Choose your portfolio
For a period of years
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Mild
- €13,823
- Expected result after deducted costs
- €1,627
- Profit (after costs)
Worse than expected€11,447Expected€13,823Better than expected€16,230Mild
Total costs after years 10 years In % per year Costs for Peaks €346 0.55% Costs for the index funds €170 0,25% Transaction costs €4 0.03% Total costs €520 0.83% These are the costs for the chosen period. The costs are calculated based on an expected (gross) return of 4,30% per year for portfolio Mild . The expected net return of the chosen time period is 3,48% per year.
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Spicy
- €14,619
- Expected result after deducted costs
- €2,424
- Profit (after costs)
Worse than expected€11,007Expected€14,619Better than expected€18,278Spicy
Total costs after years 10 years In % per year Costs for Peaks €359 0.55% Costs for the index funds €190 0,27% Transaction costs €5 0.03% Total costs €554 0.85% These are the costs for the chosen period. The costs are calculated based on an expected (gross) return of 4,30% per year for portfolio Spicy . The expected net return of the chosen time period is 3,48% per year.
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Hot
- €15,459
- Expected result after deducted costs
- €3,264
- Profit (after costs)
Worse than expected€10,560Expected€15,459Better than expected€20,419Hot
Total costs after years 10 years In % per year Costs for Peaks €373 0.55% Costs for the index funds €219 0,30% Transaction costs €5 0.04% Total costs €597 0.89% These are the costs for the chosen period. The costs are calculated based on an expected (gross) return of 4,30% per year for portfolio Hot . The expected net return of the chosen time period is 3,48% per year.
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Flaming
- €16,360
- Expected result after deducted costs
- €4,166
- Profit (after costs)
Worse than expected€10,126Expected€16,360Better than expected€22,671Flaming
Total costs after years 10 years In % per year Costs for Peaks €387 0.55% Costs for the index funds €243 0,32% Transaction costs €6 0.04% Total costs €636 0.91% These are the costs for the chosen period. The costs are calculated based on an expected (gross) return of 4,30% per year for portfolio Flaming . The expected net return of the chosen time period is 3,48% per year.
* The displayed results should give you an impression of what you can achieve with each portfolio in different scenarios. The results shown are expected results, not guarantees. In reality the results will differ from those displayed. The calculations are based upon the expected returns and risks for the portfolios for the coming ten to fifteen years.
The different ways to set aside money
With Peaks, anyone can invest. We offer different ways to set aside and grow your money. Choose which one suits you best - or go with all four of them.
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Monthly Deposit
Automatically invest a fixed amount on the last weekday of the month - up to €250 per month.
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ROUND-UPS
Peaks automatically rounds up all your bank transactions. Your collected ‘change’ will be invested into your Peaks-account at the end of each week.
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Windfalls
Did you get money back from a friend? Or earn money online? These are financial windfalls: money you already spent or didn’t know you would get back might be money you can invest without missing. It’s easy with Peaks.
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A euro (or ten) per day
Set aside a daily amount between €1 and €10. This will be invested at the end of every week.
Try it for free
Unfortunately, investing is never completely free. However, we offer the app for free for the first three months 🎉! After those three months, you pay a small amount every month to use the app. How much exactly depends on the value of your investments.
€1
per month
If your investments are worth less than €2.500.
OR
0,5%
Per year
If your investments are worth €2.500 or more.
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 your investments are worth less that €2,500, you pay €1 per month for the Peaks app. If your investments are worth more you pay 0.5% per year, spread out each month. The costs for the app are deducted from your deposit in the app, 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 0.25% and 0.33% 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.