Peaks

Peaks is a mobile app that simplifies investing in sustainable index funds, making long-term saving approachable for people at every experience level. The app connects to your bank, rounds up purchases or accepts direct deposits, and funnels money into diversified ETFs chosen for sustainability and broad market exposure. For anyone who wants to build wealth without picking individual stocks, Peaks offers a low-friction way to start, automated schedules, and choices that match different risk appetites. It’s an attractive option for users who want hands-off, diversified investing with the option to tailor themes or regions.

Core Functions

At its core, Peaks automates the investment process. Users link a bank account and select a risk profile, then let the app allocate funds across ETF portfolios. You can pick one of four ready-made allocations—Cautious, Balanced, Ambitious or Adventurous—each with a different stocks-to-bonds split. Alternatively, build a custom portfolio from 16 thematic and regional index funds, including themes like automation & robotics or sustainable energy. Deposits can come from spare change round-ups, regular monthly or weekly amounts, one-time contributions or occasional windfalls, and withdrawals are available at any time.

Key Features

Peaks focuses on accessibility and cost transparency. It supports automatic investing on daily, weekly or monthly schedules and uses internationally recognized fund managers to run the ETFs. The app’s pricing includes a free first month, subscription tiers (Start €1.99/month, Complete €2.99/month, Premium €4.99/month) and a variable platform fee of 0.25%–0.50% of assets per year. Underlying fund costs range from about 0.15% to 0.23% annually, and small market-maker spreads (roughly 0.03%–0.05%) apply on deposits, withdrawals and portfolio changes. There are no transaction fees for deposits or withdrawals and no charge to change portfolios.

User Experience

The experience is designed to lower barriers: straightforward onboarding, clear risk categories and simple controls for customizing allocations. Peaks emphasizes sustainable, globally diversified ETFs so users get broad exposure without managing individual securities. The app’s automation options suit people who prefer set-and-forget saving as well as those who want to tweak themes over time. Importantly, the product encourages responsible use—only invest money you can afford to leave invested, since market values fluctuate and losses are possible.

Conclusion

Peaks presents a pragmatic route into sustainable investing: diversified ETF exposure, several deposit methods, ready-made and customizable portfolios, and transparent fees. For those seeking a low-effort way to build long-term savings with sustainability in mind, Peaks pairs convenience with enough flexibility to suit a variety of financial habits, while reminding users that investment risk cannot be eliminated.