Investment Plans are a simple, user-friendly solution for long-term, passive investing. Available both in the XTB mobile app and xStation web, they allow you to create a personalised portfolio of Exchange Traded Funds (ETFs) that matches your investment goals, risk tolerance, industry preferences, or regional exposure. You can choose your preferred ETFs, set the percentage allocation for each one, and manage your portfolio flexibly. As the value of your Investment Plan changes over time, you will receive notifications to rebalance your portfolio according to your chosen allocation.
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🚩 Investment Plans are not available for ISA accounts.
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Key Features

• Over 300 ETFs to choose from, covering a wide range of sectors, industries, and global markets.

• Up to 10 Investment Plans can be created per client.

• Up to 9 ETFs can be included in each Investment Plan.

• Flexible management – you can create or close an Investment Plan at any time. You can also make deposits and withdrawals whenever you choose, giving you full control over your investments.

• Minimum investment: There is no single, lower limit to the value of investment, as it depends on the number of ETFs in the composition of a given plan, as well as on their current market price. Therefore, it will be different for each plan.

• No fixed investment period – invest for as long as it suits your financial goals and personal preferences.

• Commission-free investing 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 a 0.5% currency conversion fee may apply.

• Morningstar ratings are displayed to help you evaluate ETFs, but these are not investment advice.

• Taxation – Investment Plans are taxed in the same way as ETF investments held with XTB. This means Capital Gains Tax (CGT) applies as it would with individual ETF purchases.

Why Invest in ETFs?

ETFs offer several advantages:

• Flexibility – ETFs are traded on stock exchanges, making them as easy to buy and sell as shares.

• Real-time pricing – you always know the execution price of your transaction because ETFs are traded on an exchange.

• Diversification – a single ETF can provide exposure to multiple shares, commodities, or even an entire market index.

• Lower costs – ETF management fees are generally much lower than those of traditional investment funds.

How to Create an Investment Plan

On the mobile app

1. Open the Portfolio tab.

2. Select Investment Plans.

3. Choose up to 9 ETFs for your portfolio.

4. Set the percentage allocation for each ETF.

5. Confirm your Investment Plan by clicking on Create an Investment Plan button.

6. Deposit funds with Top up the Plan option.

7. Enter the amount you wish to invest and confirm the transaction.

8. Once your deposit has been processed, your funds will be automatically invested according to the allocation you selected.

On the web platform

1. From the left-hand menu, select Investment Plans.

2. Click Create a new Plan in the top-right corner of the page.

3. Select up to 9 ETFs to include in your Investment Plan.

4. Set the percentage allocation for each selected ETF. The total allocation must equal 100%.

5. Click Create an Investment Plan in the bottom-right corner of the screen.

6. Once the Investment Plan has been created, click Top up the Plan to deposit funds.

7. Enter the amount you wish to invest and confirm the transaction.

8. Once your deposit has been processed, your funds will be automatically invested according to the allocation you selected.

Your Investment Plan can be managed, funded, or closed at any time through the mobile app or xStation web.​

If you have any further questions please do not hesitate to contact a member of our sales team at +44 2036953085 or by emailing us at uksales@xtb.com.

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