Peaks
4.3
Peaks makes sustainable index fund investing accessible by turning ETFs into a simple, automated savings habit. The Peaks app links to your bank account so you can start with spare change or larger deposits, choose a risk profile, and let recurring transfers build a globally diversified portfolio. It appeals to people who want low-maintenance, long-term growth with a sustainability focus: you can pick one of four ready-made portfolios or customize allocations across 16 thematic and regional index funds supplied by recognised providers such as iShares, UBS and DWS.
Peaks connects to your bank to automate deposits and invests into exchange-traded funds that bundle hundreds of stocks and bonds. You can set investments to occur daily, weekly or monthly, or round up card transactions to invest spare change. The app offers four predefined risk profiles—Cautious, Balanced, Ambitious and Adventurous—with different stock/bond mixes, and also allows a custom portfolio built from the available thematic and regional funds. Deposits, one-time top-ups and withdrawals are supported, and you can switch portfolios without a fee.
Peaks focuses on clarity and low cost. Key points include transparent pricing (first month free), tiered monthly plans alongside a variable annual management fee between roughly 0.25% and 0.50%, and fund operating costs of about 0.15%–0.23% that are deducted by the fund providers. Market maker spreads of about 0.03%–0.05% apply on trades. There are no transaction fees for deposits, withdrawals or portfolio changes, and the ETF lineup prioritises established index providers to ensure broad diversification and institutional quality.
The app is designed for hands-off investors who still want control over risk and theme exposure. Setup is straightforward: link your bank, choose a profile or pick specific funds, and schedule contributions. Withdrawals are permitted at any time, though the service warns that investment values fluctuate and advises only using money you can afford to set aside. The combination of automation, multiple deposit options and curated ETF choices creates a predictable, low-friction way to adopt a sustainable investment habit.
For savers seeking a simple route into sustainable ETFs, Peaks blends automation, curated fund selection and transparent fees into a compact service. It’s well suited to people who prefer gradual, disciplined investing over active trading, while retaining the ability to customise exposure to regions or themes. As with any investment platform, risks remain and users should weigh their personal financial needs before committing funds to Peaks.
