Your capital is at risk. The value of your investments may go up or down.

Your capital is at risk.
The value of your investments may go up or down.

Passive Investing

Investment Plans —  a smarter way to invest your savings

Whether you're investing for the future, retirement or your next big milestone, choose a strategy that fits the way you want to invest.

Create your Plan
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Beginner-friendly solution

Our intuitive interface makes passive investing simpler.
Start with Ready-made or Do-it-yourself Investment Plans from just 15 GBP.

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Ready-made plans

Invest in globally diversified plans with different risk profiles.

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Sector plans

Explore global equity portfolios focused on specific sectors and trends shaping the future.

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Do-it-yourself plans

Enjoy full flexibility and build your own Investment Plan with access to over 3,400 stocks and 1,800 ETFs.

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Goals

Execute your Investment Plan

Build long-term financial strategy to support your future self.

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Take a more active role in planning your financial future.

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Create a personalised investment plan tailored to your ambitions and dreams.

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Passive investing

Powered by 1,800+ ETFs and 3,400+ stocks

Designed to give you full flexibility

Combine stocks and ETFs in a single Investment Plan and tailor your portfolio to your goals, risk profile and investing style.
Choose individual companies, diversified ETFs or mix both to create a strategy that works for you.

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Automated payments

Top up your account regularly and invest automatically with Auto Invest. Simply select a specific amount, period, and deposit method and your funds will be systematically invested in the instruments of your choice, accordingly to the structure of your Plan.

Start investing regularly
Zero-commission investing

All your investments under the Plan are commission-free equivalent up to 100 000 EUR monthly turnover. Transactions above this limit will be charged with 0.2% commission (min. 10 GBP). If you invest in foreign ETFs or stocks a 0.5% currency conversion fee may apply.

Build your first Plan
Set up

Create a plan in a few simple steps

Make the first step

Create your own Plan using stocks and ETFs or choose from ready-made portfolios with different risk profiles.

Review the composition of a ready-made Plan or decide how your funds should be allocated across instruments when building your own portfolio

You can start investing from as little as 15 GBP

Automate recurring contributions and keep building your Investment Plan consistently over the long term

Features

Why choose XTB Investment Plans?

Discover the unique features that make Investment Plans such a favourable solution for passive investing

Simplicity

The intuitive interface of Investment Plans makes it easy to build and manage your portfolio, whether you create your own strategy or choose a ready-made Plan.

Diversity

Over 3,400 stocks and 1,800 ETFs will give you exposure to a range of sectors and industries from different countries.

Accessibility

Thanks to the low entry threshold you can start creating your Plans from just 15 GBP.

Transparency

Access essential details about the plan you choose, such as rating, portfolio composition or performance over the years.

Flexibility

You can open and close your Plans at any time. Quick deposits and withdrawals, allow you to maintain full control over your money flow.

No overpaying

Investing in ETFs and stocks is commission-free turnover equivalent up to 100,000 EUR (then comm. 0.2%, min. 10 GBP). 0.5% currency conversion cost may apply.

FAQ

Do you have more questions?

Find answers to our most commonly asked questions. Still have a question? Please contact our customer support team.

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Setting up and running Investment Plans at XTB is completely free of charge.

No, there is no commission as long as your monthly turnover does not exceed equivalent of up to 100 000 EUR (then commission 0.2%, min. 10 GBP). 0.5% currency conversion cost may also apply.

It is possible to run up to 10 Investment Plans simultaneously (all plans are free to run).

The minimum investment amount under Investment Plans is 15 GBP
*The GBP 15 minimum investment amount may vary depending on the selected instruments and their weightings.

No, there is no minimum period. You decide exactly how long your investments will last.

Automated investing means setting up a regular investment that runs without you having to manually buy or sell each time. With XTB Investment Plans, you choose your ETFs and investment amount once, and Auto Invest handles the rest automatically investing your funds at the frequency you set.

Yes. XTB Investment Plans are designed specifically for passive, long-term investing. Rather than actively trading, you build a plan around ETFs, set your contributions, and let the platform do the work. It's one of the most accessible automated investing options available in the UK, with a minimum investment of just £15.

A managed investment portfolio typically involves a fund manager making decisions on your behalf, often with higher fees attached. XTB Investment Plans gives you a ready-made investing structure — you choose the ETFs, set the allocation, and automate contributions — without the management fees. You stay in control while the process runs passively in the background.