Invest for

    Investing in sustainable index funds is a proven and easy way to grow your wealth in the long term.

    IEX Golden Star
    4.3
    Google Play Store
    4.8
    Apple App Store

    Globally diversified

    Research shows that, on average, global investments in index funds provide the best returns in the long term.

    Invest automatically

    You have the freedom to invest with any amount - even with your spare change.

    Low costs

    Choose one of our portfolios

    Portfolio

    Cautious

    "I want to avoid risk as much as possible but still make a better return than putting my money in savings."

    Expected gross return per year

    I want to invest my money for this time

    3,8%

    2-5 years

    30% Equity funds

    70% Bond funds

    16% North America

    UBS ETF (LU) MSCI USA Socially Responsible UCITS ETF

    7% Europe

    iShares MSCI Europe SRI UCITS ETF

    4% Asia Pacific

    UBS ETF (LU) MSCI Pacific Socially Responsible UCITS ETF

    3% Emerging markets

    iShares MSCI Emerging Markets SRI UCITS ETF

    49% Government bonds

    iShares Core Euro Government Bond SRI UCITS ETF

    21% Corporate bonds

    Xtrackers II ESG EUR Corporate Bond UCITS ETF

    See funds

    Portfolio

    Balanced

    "I'm willing to take a little risk, but nothing too unpredictable."

    Expected gross return per year

    I want to invest my money for this time

    4,3%

    5-10 years

    50% Equity funds

    50% Bond funds

    27% North America

    UBS ETF (LU) MSCI USA Socially Responsible UCITS ETF

    11% Europe

    iShares MSCI Europe SRI UCITS ETF

    6% Asia Pacific

    UBS ETF (LU) MSCI Pacific Socially Responsible UCITS ETF

    6% Emerging markets

    iShares MSCI Emerging Markets SRI UCITS ETF

    35% Government bonds

    iShares Core Euro Government Bond SRI UCITS ETF

    15% Corporate bonds

    Xtrackers II ESG EUR Corporate Bond UCITS ETF

    See funds

    Portfolio

    Ambitious

    "I'm comfortable with taking some risks when I know they'll work out to my advantage in the long term."

    Expected gross return per year

    I want to invest my money for this time

    4,9%

    10-15 years

    70% Equity funds

    30% Bond funds

    38% North America

    UBS ETF (LU) MSCI USA Socially Responsible UCITS ETF

    16% Europe

    iShares MSCI Europe SRI UCITS ETF

    8% Asia Pacific

    UBS ETF (LU) MSCI Pacific Socially Responsible UCITS ETF

    8% Emerging markets

    iShares MSCI Emerging Markets SRI UCITS ETF

    21% Government bonds

    iShares Core Euro Government Bond SRI UCITS ETF

    9% Corporate bonds

    Xtrackers II ESG EUR Corporate Bond UCITS ETF

    See funds

    Portfolio

    Adventurous

    "I'm not afraid of taking risks and I'm willing to wait for strong results."

    Expected gross return per year

    I want to invest my money for this time

    5,5%

    15+ years

    90% Equity funds

    10% Bond funds

    49% North America

    UBS ETF (LU) MSCI USA Socially Responsible UCITS ETF

    20% Europe

    iShares MSCI Europe SRI UCITS ETF

    11% Asia Pacific

    UBS ETF (LU) MSCI Pacific Socially Responsible UCITS ETF

    10% Emerging markets

    iShares MSCI Emerging Markets SRI UCITS ETF

    7% Government bonds

    iShares Core Euro Government Bond SRI UCITS ETF

    3% Corporate bonds

    Xtrackers II ESG EUR Corporate Bond UCITS ETF

    See funds

    New

    Customise your own portfolio

    Choose which funds you invest in and set your own ratios. You can choose from our 16 different funds.

    Calculate how much you can earn with investing

    Want to know how much you can earn by investing? Check here!*

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    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 €1.99 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 0,22% 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

    Choose your portfolio

    Portfolio

    Cautious

    €14,427 Expected result after deducted costs

    €2,227 Profit (after costs)

    €9,223

    Worse than expected

    €14,427

    Expected

    €19,626

    Better than expected

    What are the costs?

    Portfolio

    Cautious

    Total costs after years 10 yearsIn % per year
    Costs for Peaks€5801,08%
    Costs for the index funds€1180,15%
    Transaction costs€50,03%
    Total costs€7031,28%

    These are the costs for the chosen period. The costs are calculated based on an expected (gross) return of 3,8% per year for portfolio Cautious. The expected net return of the chosen time period is 3,02% per year.

    Back to results

    Portfolio

    Balanced

    €14,427 Expected result after deducted costs

    €2,227 Profit (after costs)

    €9,223

    Worse than expected

    €14,427

    Expected

    €19,626

    Better than expected

    What are the costs?

    Portfolio

    Balanced

    Total costs after years 10 yearsIn % per year
    Costs for Peaks€5801,08%
    Costs for the index funds€1180,17%
    Transaction costs€50,03%
    Total costs€7031,28%

    These are the costs for the chosen period. The costs are calculated based on an expected (gross) return of 4,3% per year for portfolio Balanced. The expected net return of the chosen time period is 3,02% per year.

    Back to results

    Portfolio

    Ambitious

    €14,427 Expected result after deducted costs

    €2,227 Profit (after costs)

    €9,223

    Worse than expected

    €14,427

    Expected

    €19,626

    Better than expected

    What are the costs?

    Portfolio

    Ambitious

    Total costs after years 10 yearsIn % per year
    Costs for Peaks€5801,08%
    Costs for the index funds€1180,2%
    Transaction costs€50,03%
    Total costs€7031,28%

    These are the costs for the chosen period. The costs are calculated based on an expected (gross) return of 4,9% per year for portfolio Ambitious. The expected net return of the chosen time period is 3,02% per year.

    Back to results

    Portfolio

    Adventurous

    €14,427 Expected result after deducted costs

    €2,227 Profit (after costs)

    €9,223

    Worse than expected

    €14,427

    Expected

    €19,626

    Better than expected

    What are the costs?

    Portfolio

    Adventurous

    Total costs after years 10 yearsIn % per year
    Costs for Peaks€5801,08%
    Costs for the index funds€1180,22%
    Transaction costs€50,03%
    Total costs€7031,28%

    These are the costs for the chosen period. The costs are calculated based on an expected (gross) return of 5,5% per year for portfolio Adventurous. The expected net return of the chosen time period is 3,02% 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. Choose the package that best suits your needs and don't pay any costs to Peaks in the first 3 months.

    Start

    €1,99 / per month
    + 0,5% per year*

    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

    Customise your portfolio

    Invest in crypto

    Link a different bank account to each account

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

    Complete

    €2,99 / per month
    + 0,4% per year*

    Everything from the Start package

    Open up to 4 accounts with different portfolios

    Pay a low fee of 0.4% per year

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

    Premium

    €4,99 / per month
    + 0,25% per year*

    Everything from the Start & Complete package

    Open up to 6 accounts with different portfolios

    Pay a lower fee of 0.25% per year

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

    * You pay the variable costs of 0.5%, 0.4%, or 0.25% of the average value of your investments per year in instalments - so every month 1 ⁄ 12.

    Phone showing investment return

    The Peaks app

    You can access your money at any time and decide for yourself what deposit and risk profile suits you best. 

    Read more
    Peaks Portfolios Card

    The portfolios

    Choose one of the Peaks portfolios or customise your own portfolio.

    Read more
    Percentage

    Return & costs

    Check the performance of the Peaks portfolios over the past years.

    Read more

    The app has already been downloaded more than 1 million times

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    705.000 Downloads

    APP STORE (4,8)

    414.000 Downloads

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

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