Investing always involves risks. You could lose your invested money.
Extra income with Lend & Earn
Make your investments work harder by lending them out – and earn up to 2% extra on top of your return.
Got a minute?
Lend & Earn explained simply.
Earn extra income
The value of your investments move along with the market – but did you know you can also earn interest on them? You can change your Peaks settings to automatically lend your ETFs out when there's demand, to earn passive income on top of your returns.
It's that simple
Activate Lend & Earn to automatically offer your investments to parties that want to borrow them, such as large banks. You can earn passive income on the investments you lend out, deposited straight into your Peaks account monthly.
Highly protected
Good to know: you only lend ETFs to large financial institutions with high credit ratings. Plus, every borrower puts up stock funds or government bonds as collateral. This protects your investments in the rare event a borrower can't pay you back.
The risks
Download full risk overview 
Counterparty risk
The risk that the borrower becomes unable to pay back the borrowed amount. This can happen, for instance, if a borrower goes bankrupt.
Repurchase risk
If a borrower goes bankrupt, the borrower's collateral is used. If the collateral is worth less than your investments, there is a chance that you will recover fewer investments than you originally lent out.
How we mitigate the risks
Strict selection criteria
We only accept borrowers with high credit ratings, such as large banks.
Proactive risk management
If market risks rise, we automatically reduce your lending exposure to prioritise the safety of your investments.
Overcollateralisation
In return for your ETFs, borrowers need to provide collateral in the form of equity funds or government bonds. This collateral must be worth more than the investments you’ve lent out.
Daily check-ins
If the value of your lent investments increases or the value of the collateral decreases, the borrower must add collateral to ensure that your investments continue to be covered. This gets checked every day.
Collateral explained
You can compare collateral to a mortgage: when you buy a house with borrowed money, you put the house up as collateral. This gives the lender – often the bank – security if you don’t pay back the mortgage. Lend & Earn works in the same way: the borrower's collateral protects you as an investor.
Frequently asked questions about Lend & Earn
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