Peaks

Peaks is an investment app that helps you build long-term wealth by putting money into sustainable index funds (ETFs) with minimal fuss. The app connects to your bank account and automates contributions — from one-off deposits and weekly or monthly transfers to spare-change rounding — so even small amounts can compound over time. Peaks guides you through four risk profiles and also lets you tailor a portfolio from thematic and regional funds, making it appealing if you want low-effort, diversified exposure to global markets while prioritizing sustainability and fee transparency.

Key Features

⭐ Globally diversified portfolios made of index funds (ETFs) to spread risk across markets and sectors.

⭐ Automated investing: daily, weekly or monthly contributions and spare-change rounding for effortless saving.

⭐ Peaks offers four ready-made risk profiles — Cautious, Balanced, Ambitious and Adventurous — plus the option to build a custom portfolio from 16 thematic and regional funds.

⭐ Low, transparent fees with no transaction costs on deposits, withdrawals or portfolio changes.

⭐ Funds are selected from internationally recognised index fund providers to ensure quality and liquidity.

Advantages

✅ Peaks makes it easy to start: link your bank, choose a risk profile and set recurring deposits or round-ups.

✅ A sustainability-focused approach lets you gain broad market exposure while selecting themes or regions that reflect your values.

✅ Flexible access — add, withdraw or reallocate funds when you need to, with no charge for portfolio changes.

✅ Clear pricing tiers and a combination of fixed and variable fees help you understand ongoing costs.

Disadvantages

❎ Investing involves market risk — ETF values can fall and you may lose part of your investment.

❎ Multiple fees apply (monthly package fee, variable annual fee, fund management fees and small spreads), which can reduce returns.

❎ The app focuses on passive index funds, so investors seeking active management or individual stock selection may find the options limited.

Development Team

Peaks operates from Amsterdam and partners with established international fund providers to assemble its portfolios; the company emphasizes careful selection of reputable index funds and maintains an office in the Netherlands.