# Invest for

### Globally diversified

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

### Invest automatically

Automatically deposit money daily, weekly, or monthly. We make it possible to invest with any amount - even with your spare change.

### Low costs

## Calculate how much you can make with investing

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

## 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 €0.99 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 0,23% 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

Monthly deposit

For a period of years

Choose your portfolio

* 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. For example, there is one package for anyone who only wants to invest with one Peaks account and two packages for anyone who wants to invest in multiple portfolios at the same time. Investing is equally easy in all packages, they only differ in price and in the number of accounts you can open.

* You pay the variable costs of 0.5% or 0.3% of the average value of your investments per year in installments - so every month 1 ⁄ 12 .