Contact us

At Peaks you only invest in sustainable investment funds. Specifically, we mean the 25% most sustainable companies in each sector. Attention is paid to how companies deal with people, the environment and how they are managed. Companies that disregard human rights, are involved in child labor or corruption, or cause serious damage to the environment and ecosystem are not included in the index funds.

Furthermore, at Peaks you do not invest in controversial industries such as the arms and defense industry, tobacco and alcohol production, nuclear power, gambling, pornography or GMOs. You can check which companies you invest in by reading the Key Investor Information documents. You can find these documents for each fund on this page.

Since we have selected the index funds at Peaks, you cannot choose which companies to invest in or not to invest in. We chose this approach to make investing as easy and accessible as possible for you. You can decide in which index fund you want to invest or don’t want to invest if you customise your own portfolio.

At Peaks you can invest your spare change in two different ways. One option is to give Peaks permission to round up all your card payments to the nearest whole euro and invest your accumulated change into your Peaks account once a week. For example, if you buy a coffee for €1.70, you invest €0.30 directly into your Peaks account.

If you don't want to invest your change, but still want to set aside small amounts regularly, you can choose to set aside a fixed amount of between €1 to €10 per day.

With the former option, the collected amount is debited from your bank account once a week and invested in your Peaks account. Every Sunday, you have the option to stop the process of investing your spare change in the app.

Peaks currently offers three different packages: Start, Complete, and Premium.

With all packages, you can:

• Open multiple accounts for various purposes
• Customise your own ETF portfolio according to your wishes
• Add crypto to your Peaks portfolio

The Start package is the best choice for total investments between €0 and €12,000. The Complete package is the best choice for total investments between €12,000 and €16,000, and the Premium package is the best choice for total investments of €16,000 or more.

You decide for yourself which package suits your situation best.

The expected gross return at Peaks is between 3.8% and 5.5% depending on the portfolio you selected. Returns are based on the expected return Peaks uses for the next 10 to 15 years for the portfolios of stock and bond funds offered by Peaks. In reality, returns may be more or less than expected. With a high expected return, the risks are also higher.

The costs of the index funds have already been factored into the expected returns, which you can find in the app and the cost calculator on this website. These fund costs per portfolio average between 0.15% and 0.22% of your invested money per year. The returns you find in the cost calculator, therefore, include net returns (after deducting costs).

The app is free for everyone for the first three months. Then you pay the package costs and variable costs associated with the package you have selected.

The Start package costs €1.99 in package costs per month + 0.5% in variable costs per year. You pay the variable costs of 0.5% per year on the average value of your investments. You pay this monthly – a little bit every month.

The Complete package costs €2.99 in package costs per month + 0.4% in variable costs per year.

The Premium package costs €4.99 in package costs per month + 0.25% in variable costs per year.

If you have multiple Peaks accounts, the package cost will always be deducted from your first Peaks account. Variable costs are calculated per Peaks account.

Good to know: If you change your plan during the month, you pay the package cost and variable costs associated with the larger plan for that month.

In addition to the costs for using the app, there are also annual fund costs for the index funds in which you invest. You do not pay this to Peaks, but to the providers of the index funds. The fund costs and the spread are automatically calculated by the fund providers in the price of the index funds. You never pay any transaction costs.

Peaks is an investment firm with two licences and is regulated by the Dutch Financial Supervisory Authority (the German equivalent is the BaFin) and the Dutch Central Bank. That means we have to comply with specific rules that apply to financial and payment institutions – and we are happy to do that! We think it is very important that your money and data are safe. We only use your data for purposes that you give us your consent to in advance. Your money is not protected by Peaks itself, but by Stichting Derdengelden Peaks. Should anything ever go wrong with Peaks, you will always have access to your money.

Investing always involves risk. This means there is a chance that you could lose (part of) your investments. The level of risk depends on many things, such as developments in the financial markets, your starting point (the moment you start investing), and what you invest your money in.

Investing in just one company is more risky than investing your money in many companies at once. The same applies if you deposit money at a certain point in time. The more distributed you deposit, the more you spread the risk.

With Peaks you can deposit your money at different times and your money is automatically invested in different sectors worldwide. You choose one of the four different Peaks portfolios or compose your own. Each Peaks portfolio has a different level of risk due to the distribution of the index funds it contains. You can choose between the portfolios Cautious, Balanced, Ambitious, and Adventurous. Cautious has the least risk, Adventurous the most. The higher the risk, the higher your chance of a high profit. With your chosen portfolio, you decide for yourself how much risk you want to take.

If you want to cancel your Peaks account, you can do this yourself in the app – provided you do not have a negative balance on your Peaks account and have closed all your additional accounts. To cancel your account, open the menu and click on "Close your account". After that, the app will lead you through all the steps it takes to cancel your account. We will also ask you why you want to cancel your account. No further action is required on your part, and we will start cancelling your account.

Your invested money is not kept by Peaks, but by a foundation (Stichting Beheer Derdengelden Peaks). If something goes wrong at Peaks, you still have access to your money through this foundation and your money is not lost. In addition, the so-called Investor Compensation Act applies to the foundation. This law protects Peaks clients' investments and reimburses up to €20,000 per person where justified.