Peaks costs & returns

In your first month with Peaks you don't pay any Peaks costs, after that we calculate the costs, which we explain further down on this page. You can also read more about Peaks' returns here.

The net returns for our portfolios







This page shows the net returns for our portfolios. The result we show is the average annual return for each portfolio based on an investment of €10,000 at the beginning of 2018. We use this amount as the basis for calculating these returns because this is common practice among investment companies, so it makes it easier for you to compare us with others. Past results are no guarantee for future performance. The returns you achieve may differ depending on the amounts, timings and frequency of your deposits.

Calculate your possible returns

Investing is never free. We try to keep your costs as low and manageable as possible. Our cost calculator shows you exactly how much your costs will be for your situation if you invest with the Start package.

One-time deposit


Monthly deposit


For a period of

20 years

Choose your portfolioinfo

The results shown are intended to give you an idea of what you can achieve with the portfolios in different scenarios. These are not guarantees, but forecasts. The calculations are based on the costs of the Start package and the expected returns and risks of the portfolios in the long term. Your actual return will differ from those shown. Depending on the portfolio you choose, your level of risk varies. Remember that investing is risky and you may lose (part of) your investment.

How much does Peaks cost?

During the first month of Peaks, you pay neither the fixed nor the variable Peaks costs.

Fixed monthly amount

For Peaks you pay a fixed monthly amount – the amount depends on your package. We will deduct this amount from your bank account.

Variable costs

You also pay variable costs based on the average value of your investments. These costs are calculated monthly and will be offset against your return.

No transaction fees

We do not charge any transaction fees or fees for deposits and withdrawals.

* 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.

Additional costs explained

In addition to the costs of Peaks, you also pay costs associated with (index) investments. These costs therefore do not go to Peaks.

Fund fees

With Peaks, you are investing in index funds. The managers of these funds charge fees. Depending on your portfolio, these annual fees range from 0.15% to 0.22% of your total investment. These costs are included in the fund price.


Spreads are costs you incur when buying and selling your investments. The spread is the difference between the prices at which a stockbroker is willing to buy and sell an investment. On average, you pay between 0.03% to 0.05% per buy or sell spread.

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Start now and pay no fees to Peaks in your first 30 days.