Ready-made funds
Your investments, managed by pros
Let the experts do the hard work for you. Choose from three ready-made funds tailored to your investment goals and risk appetite.
Your investments, your choice
Whether you want to invest in ready-made funds, stocks, ETFs, or crypto, you can do it all the stress-free way, right in your N26 app.
*These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as Stocks, ETFs and Ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks, ETFs and ready-made funds. Stocks, ETFs and Ready-made funds can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time.
The values depicted are fictional and for illustrative purposes.
FAQs
Our ready-made funds are baskets of equities and bonds issued and managed by experts. Ready-made funds are a fund of funds. By investing in a ready-made fund, you’re investing in multiple Exchange-Traded Funds (ETFs) and Index Funds. Each fund invests in a range of asset classes and regions, offering you more diversification than you might get from investing in a single asset class.
If you’re a new customer, you’ll need to open an N26 account first. Eligible customers will find ready-made funds in the Investments tab of their N26 app. Choose 1 from our 3 ready-made funds according to your goals and the level of risk you’re comfortable with. Next, select the amount and how often you’d like to invest. And that’s it — you’re on the investments ladder now!
We won’t charge fees for your ready-made fund until April 1, 2025. After that, you’ll be charged an annual N26 platform fee according to the N26 plan you have: 0.59% for N26 Standard, 0.49% for Smart, 0.39% for You, and only 0.29% for Metal. Fees will accrue daily and be charged monthly. For example, if you have N26 Smart and a ready-made fund investment of €1,000, your monthly cost would be €0.41, assuming no growth or withdrawals. Remember, you’re free to leave the fund at any time, without incurring any additional exit fees.
Your purchases, sales, and the funds in your portfolio are protected and secured. However, because ready-made funds include a wide range of securities that fluctuate with the market, we cannot guarantee returns or prevent losses.
In the N26 app, you’ll find detailed information on each fund we have on offer, including risk ratings and estimated yearly returns. Consider your goals and the level of risk you’re comfortable with to choose what’s right for you.
Yes. These funds are managed by experts who aim for growth and work hard to make smart decisions. However, like any investment, the value of a ready-made fund can go up or down, so you may get back less than you originally invested.
Ready-made funds are diversified baskets of equities, issued and actively managed by experts, based on different investor profiles. By investing in a ready-made fund, you're investing in multiple Exchange-Traded Funds (ETFs). Stocks represent small pieces of ownership of individual companies. By investing in ETFs, you are investing in a type of index fund made up of various assets — such as stocks or bonds.
N26 is granting customers access to ready-made funds that are issued and managed by BlackRock, the largest investment manager globally, with a strong focus on governance and risk control.