Peaks is an app that makes it straightforward to invest in sustainable index funds and build long-term wealth without jumping through complicated steps. The app packages global ETFs into prebuilt portfolios or lets you create your own mix from thematic and regional funds, and it supports small, regular contributions — even spare change — so newcomers can start gradually. Peaks emphasizes low, transparent fees and automatic scheduling, letting you set a preferred risk profile and deposit cadence while keeping withdrawals available when needed. It’s an option for people who want passive, diversified exposure with sustainable choices.
At its core, Peaks connects to your bank account to automate investments into exchange-traded funds (ETFs). You can choose one of four ready-made portfolios — Cautious, Balanced, Ambitious or Adventurous — which vary in their stocks-to-bonds mix, or build a custom portfolio from 16 thematic and regional index funds. The app supports one-off deposits, fixed weekly or monthly contributions, spare-change rounding, and windfall deposits. Funds are provided by established index providers such as iShares, UBS and DWS, and you can withdraw or change your portfolio without extra charges.
Peaks keeps feature friction low: there are no transaction fees for deposits or withdrawals and portfolio changes are free. New users get the first month without the app fee. Paid tiers start at €1,99 per month with higher tiers at €2,99 and €4,99, plus a variable management fee that ranges roughly between 0,25% and 0,5% annually. Underlying fund costs add around 0,15% to 0,23% per year, and small spreads of about 0,03% to 0,05% apply on trades. Automatic investing can run daily, weekly or monthly, simplifying dollar-cost averaging.
The interface focuses on accessibility: whether you’re investing spare change or larger sums, the flow guides you through risk selection, deposit options and portfolio composition. Customization lets you emphasize regions or themes like automation, robotics or sustainable energy while still benefiting from diversified baskets. Peaks also includes clear reminders about volatility and the importance of using money you can leave invested for the long term, since selling during downturns can crystallize losses. The combination of automation, simple fee transparency and curated fund choices makes the app approachable for first-time and experienced investors alike.
If you’re looking for a low-friction way to channel savings into diversified, sustainable ETFs and prefer automated contributions with adjustable risk, Peaks presents a balanced mix of convenience, customization and transparent pricing. It’s geared toward long-term savers who want passive exposure to global markets without managing individual stocks.
