Passive Investing

Investment Plans - a smarter way to invest your savings

A new smartphone, apartment or maybe retirement? Whatever your goal is, Investment Plans can help you achieve it: conveniently, without complications and with a minimum amount of time spent.

Create your Plan

Download app

Beginner-friendly solution

Intuitive interface will allow you to easily build your Plan, and invest specified amount, starting from 15 USD or account currency equivalent.

Invest in a smarter way Download app

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 ETFs of your choice, accordingly to the structure of your Plan.

Start investing regularly Download app

Zero-commission investing

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

More info

Goals

Execute your Investment Plans

Have your eyes set on next year's product launch? Start investing even small amounts, so you can afford to buy them as soon as they are released.

Start now Download app

Are you planning your next vacation? Or maybe you dream of traveling around the world? Start building Plan for your desired trip today!

Start now Download app

Build a relatively low-risk, diversified portfolio and invest regularly so you can enjoy a peaceful retirement.

Start now Download app

You decide what is the purpose of your plan, how much you want to invest and for how long.

Start now Download app

Exchange Traded Funds

Powered by 350+ ETFs

Designed for passive investing

An ETF is a fund listed on a stock exchange. It contain various instruments, eg. stocks, bonds or commodities, so that buying even one fund allows you to invest in a selected industry, index or region. This makes ETFs ideal instruments for stable, long-term investments.

Learn more Download app

Flexibility you are looking for

ETFs allows you to easily buy, sell and check the value of your investment whenever you want during the open market - exactly the same as in the case of shares.

Start investing today Download app

Low management costs

ETFs are incomparably cheaper than classic funds that often charge many different fees (for management, profits, startup), which can amount to up to several percent of the investment value. In the case of an ETF, the only fee is for management and is rarely above 0.5%

Build your first Plan Download app

Set up

Create a plan in no time

Build your portfolio based on over 350 ETFs, differing in composition, rate of return, or rating

You don't have to calculate anything - just set what percentage of your Plan's amount should be invested in each ETF.

You can start investing from as little as 15 USD or account currency equivalent with a range of deposit methods, including free and instant ones. Set up recurring payments that will regularly fund your Plan

Make the first step

Features

Why choose XTB Investment Plans?

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

Simplicity

The intuitive interface of Investment Plans lets you easily build and manage a desired portfolio.

Diversity

Over 350 ETFs will give you exposure to a range of sectors and industries from different countries.

Accessibility

Thanks to the low entry treshold you can start creating your Plans from just 15 USD or account currency equivalent.

Transparency

Access essential details about your preferred ETFs, as rating, portfolio composition or performance over the years.

Flexibility

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

No overpaying

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

The financial instruments we offer, especially CFDs, can be highly risky. Fractional Shares (FS) is an acquired from XTB fiduciary right to fractional parts of stocks and ETFs. FS are not a separate financial instrument. The limited corporate rights are associated with FS.
This page was not created for investors residing in Brazil. This brokerage is not authorized by the Comissão de Valores Mobiliários (CVM) or the Brazilian Central Bank (BCB). The content of this page should not be characterized as an investment offer in Brazil or for investors residing in that country.

Losses can exceed deposits

This group contains cookies that are necessary for our websites to work. They take part in functionalities like language preferences, traffic distribution or keeping user session. They cannot be disabled.

Cookie name	Description
SERVERID
userBranchSymbol	cc 2 March 2024
test_cookie	cc 25 January 2024
adobe_unique_id	cc 1 March 2025
__hssc	cc 8 September 2022
SESSID	cc 2 March 2024
__cf_bm	cc 8 September 2022
intercom-id-iojaybix	cc 26 November 2024
intercom-session-iojaybix	cc 8 March 2024

We use tools that let us analyze the usage of our page. Such data lets us improve the user experience of our web service.

Cookie name	Description
_gid	cc 9 September 2022
_gat_UA-98728395-1	cc 8 September 2022
_gat_UA-121192761-1	cc 8 September 2022
_gcl_au	cc 30 May 2024
_ga_CBPL72L2EC	cc 1 March 2026
_ga	cc 1 March 2026
__hstc	cc 7 March 2023
__hssrc

This group of cookies is used to show you ads of topics that you are interested in. It also lets us monitor our marketing activities, it helps to measure the performance of our ads.

Cookie name	Description
MUID	cc 26 March 2025
_omappvp	cc 11 February 2035
_omappvs	cc 1 March 2024
_uetsid	cc 2 March 2024
_uetvid	cc 26 March 2025
_fbp	cc 30 May 2024
fr	cc 7 December 2022
_ttp	cc 26 March 2025
_tt_enable_cookie	cc 26 March 2025
_ttp	cc 26 March 2025
hubspotutk	cc 7 March 2023

Cookies from this group store your preferences you gave while using the site, so that they will already be here when you visit the page after some time.

Cookie name	Description

Investment Plans - a smarter way to invest your savings

Execute your Investment Plans

Powered by 350+ ETFs

Create a plan in no time

1. Choose ETFs

2. Allocate your funds

3. Make deposit

4. Put your money to work

Why choose XTB Investment Plans?

Join over 1 000 000 XTB Group Clients from around the world

Investment Plans - a smarter way to invest your savings

Execute your Investment Plans

Powered by 350+ ETFs

Create a plan in no time

1. Choose ETFs

2. Allocate your funds

3. Make deposit

4. Put your money to work

Why choose XTB Investment Plans?

Do you have more questions?

Join over 1 000 000 XTB Group Clients from around the world

We use cookies