Peaks

Peaks is a mobile app that simplifies investing in sustainable index funds, making a proven approach to long-term wealth accessible to more people. The app connects to your bank account so you can set up automatic deposits, invest spare change or make one-off contributions, and select a risk profile that matches your goals. Peaks focuses on ETFs—broad baskets of stocks and bonds—so investors get instant diversification, easy rebalancing and curated options that emphasize sustainability and regional themes without needing deep market knowledge.

Core Functions

The core of Peaks is automated, low-effort investing. Link your bank account, pick one of four risk-based portfolios—Cautious, Balanced, Ambitious or Adventurous—or build a custom allocation from 16 thematic and regional index funds. You can schedule recurring investments daily, weekly or monthly, round up transactions to invest spare change, or deposit larger sums whenever you want. Withdrawals are allowed at any time. All funds on offer are provided by established index fund providers to ensure quality and transparent fund mechanics.

Key Features

Peaks keeps the fee structure straightforward: the app offers a free first month, no charges for deposits, withdrawals or portfolio changes, and subscription tiers that start with an entry package for modest monthly fees. There is an annual variable service fee ranging roughly from 0.25% to 0.50% of invested assets, plus underlying fund costs (around 0.15%–0.23% per year) and a small market spread on trades (about 0.03%–0.05%). The platform also emphasizes thematic choices such as sustainable energy, automation & robotics, or country-specific exposure for tailored portfolio building.

User Experience

The app is designed for people who want a hands-off yet customizable way to invest. Setting a risk profile and deposit plan is straightforward, and the ability to combine spare-change investing with scheduled contributions lowers the barrier to getting started. Peaks highlights the trade-off between stocks and bonds so users can match expected volatility with their time horizon, and it reminds users to treat investment accounts as a complement to emergency savings because market values fluctuate.

Conclusion

For investors looking for a simple path into sustainable ETFs, Peaks presents a clear, fee-conscious option with automatic features, curated fund choices and the flexibility to customize exposure. It’s well suited to savers aiming to build wealth over time who appreciate low-maintenance tools but want control over risk and thematic exposure. Remember that investing always carries risk and capital can decline in value, so use Peaks with a longer-term perspective and only money you can afford to leave invested.