Investment Plans is a user-friendly and modern solution designed for passive, automated investing. With the rollout of Investment Plans 2.0, the product has become even more flexible, making it easier for beginners to get started while offering powerful tools for experienced investors.
You can now build your portfolio in three different ways directly in the mobile app or on the web platform:
Ready-Made Plans: Globally diversified portfolios composed exclusively of ETFs. They are tailored to your risk tolerance level - ranging from conservative options (mostly bond-based) to aggressive ones (100% equity ETFs). These pre-configured plans don't require any manual editing - you can invest with just one click.
Sectoral Plans: Ready-made portfolios featuring several to a dozen of the largest publicly traded companies from popular industries (e.g., semiconductors, gamedev, aviation). Since they focus on a single sector, they are considered higher-risk investments. Every quarter, you will receive an optional opportunity to update the portfolio composition so your plan always includes the top companies in that sector.
Do-It-Yourself (DIY): An expansion of the previous model. You can now build your own custom portfolios by combining both ETFs and stocks (including US stocks). You set the percentage allocation for each asset using a convenient slider or by entering the value directly.
Key Product Features:
Available instruments: Nearly all ETFs from the XTB offer supporting fractional shares, as well as stocks. The selection is automatically filtered and tailored to your account type.
Limits: Each client can create a maximum of 10 Investment Plans per account. Pre-existing plans have been automatically converted to the "Do-It-Yourself" model. A single plan can contain up to 20 instruments. Individual instrument allocation ranges from 5% to 100%.
Minimum investment: Consistently low barrier to entry - just 15 GBP (or 15 EUR / 15 USD respectively).
Investment horizon: Full flexibility with no minimum period - you decide when you want to close your plan.
Automation (Auto-invest): The option to set up recurring payments for effortless, hands-off capital growth.
Trading hours: Since Investment Plans 2.0 can combine ETFs and stocks from different countries, purchases of individual plan components may occur at different times of the day, depending on when European or US exchanges are open. Some assets may be executed immediately, while others will remain pending.
You can create a new investment plan in just a few moments directly in the refreshed mobile app by tapping the "Portfolio – Investment Plans" icon.
🚩 Investment Plans are not available for ISA accounts.
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