The original investment account

Investing always involves risk. This means there is a chance that you could lose (part of) your investments. The level of risk depends on many things, such as developments in the financial markets, your starting point (the moment you start investing), and what you invest your money in.

Investing in just one company is (in general) more risky than investing your money in many companies at once. The same applies if you deposit money at a certain point in time. The more distributed you deposit, the more you spread the risk.

With Peaks you can deposit your money at different times and your money is automatically invested in different sectors worldwide. You choose one of the four different Peaks portfolios or compose your own. Each Peaks portfolio has a different level of risk due to the distribution of the index funds it contains. You can choose between the portfolios Cautious, Balanced, Ambitious, and Adventurous. Cautious has the least risk of all Peaks portfolios, Adventurous the most. The higher the risk, the higher your chance of a high profit. With your chosen portfolio, you decide for yourself how much risk you want to take.

At Peaks you only invest in sustainable investment funds. Specifically, we mean the 25% most sustainable companies in each sector. Attention is paid to how companies deal with people, the environment and how they are managed. Companies that disregard human rights, are involved in child labor or corruption, or cause serious damage to the environment and ecosystem are not included in the index funds.

Furthermore, at Peaks you do not invest in controversial industries such as the arms and defense industry, tobacco and alcohol production, nuclear power, gambling, pornography or GMOs. You can check which companies you invest in by reading the Key Investor Information documents. You can find these documents for each fund on this page.

Since we have selected the index funds at Peaks, you cannot choose which companies to invest in or not to invest in. We chose this approach to make investing as easy and accessible as possible for you. You can decide in which index fund you want to invest or don’t want to invest if you customise your own portfolio.

Investing can be smart, but not for everyone. The rule of thumb is: only invest with money you can spare for a longer period of time.

If you are tight on money or have no savings for unforeseen expenses, then investing is actually a step too far for you.

Also, investing is not recommended if you don't like to take risks or are in debt.

The decision to invest or not is ultimately up to you.

Investors are always required to declare their capital gains from ETFs in their annual income tax return. This applies even if the gains are below the tax-free threshold or if the withholding tax has already been deducted. 

This information does not constitute tax advice and cannot replace it.

Please note that it usually takes 1 working day for your deposit or withdrawal order to be fully processed. This is because we have to go onto the exchange to buy or sell your investments. That trading takes (a little) time. In some cases, it may take longer.