Peaks - Investing 2025.11

Peaks offers the ease of investing in sustainable index funds, providing a reliable method to enhance your long-term wealth.

How does Peaks work?

Peaks simplifies the process of investing in sustainable index funds through its user-friendly app, making it accessible to all. These diversified baskets, also known as ETFs, consist of a variety of stocks and bonds. By linking your bank account with the Peaks app, you can kickstart your investment journey automatically. Whether you have a large sum or spare change to invest, Peaks caters to all with customizable deposit options based on your risk profile.

Investing made easy:

• Invest in a globally diversified portfolio of ETFs.
• Low (fixed and variable) fees with no transaction costs.
• Automate investments on a daily, weekly, or monthly basis.

How is my money invested?

With Peaks, investors select from four portfolios - Cautious, Balanced, Ambitious, or Adventurous - each offering a unique allocation between stocks and bonds. Stocks bring volatility due to their value fluctuations, while bonds provide stability by lending to governments and corporations. You can further personalize your portfolio by choosing from 16 thematic and regional index funds.

All funds available on Peaks are meticulously curated from renowned index fund providers like iShares, UBS, and DWS to ensure top-notch quality.

Deposit funds the way you prefer

Peaks offers various deposit methods including investing spare change, monthly deposits, or one-time investments. You are in control - whether you prefer fixed weekly contributions or occasional windfall investments. Rest assured that you can withdraw your funds at any time.

How much does Peaks cost?

While investing incurs costs, Peaks strives to maintain transparency and affordability. The fee structure varies based on your preferences and can be calculated on their website.

Key cost points include:

• No cost for using the Peaks app in the first month.
• No cost for depositing and withdrawing funds or changing your portfolio.
• The monthly fee for the Start package is €1.99; €2.99 for the Complete package; €4.99 for the Premium package. Additionally, a variable annual fee ranging from 0.25% to 0.5% of your total investments applies.

• Fund costs range between 0.15% to 0.23% per year of your total investment value and are automatically deducted by the fund operator.
• A small fee (0.03% - 0.05%) is applied on deposits, withdrawals, or portfolio changes by the index fund's market makers.

Good to know

Prioritizing financial security, Peaks advises investing only money you can afford to risk. Remember that investment values fluctuate; only invest what you can spare. Maintain an investment account alongside regular savings for enhanced financial stability.

Would you like to know more?

For additional information, visit www.peaks.com. Keep in mind that all investments come with inherent risks, possibly resulting in partial or complete loss of invested capital.

www.peaks.com
Leidsestraat 32 C
1017 PB Amsterdam
The Netherlands