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

21.7%
7.1%
20.2%
-18.0%
5.9%

2019

2020

2021

2022

2023

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.

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.

Spread

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.

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.

i

My first deposit

0
€5,000

My monthly deposit

€10
€500

For a period of

With risk profile

Portfolio

Cautious

€31,948Expected result after deducted costs

€4,948Profit (after costs)

€23,097

Worse than expected

€31,948

Expected

€41,149

Better than expected

What are the costs?

Portfolio

Cautious

Total costs after 10 yearsIn % per year
Costs for Peaks€1,0780,69%
Costs for the index funds€2530,15%
Transaction costs€100,03%
Total costs€1,3410,87%

These are the costs for the chosen period. The costs are calculated based on an expected (gross) return of 3,80% per year for portfolio Cautious. The expected net return of the chosen time period is 2,93% per year.

Back to results

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.

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