What are ready-made funds?

Our ready-made funds are baskets of equities and bonds issued and managed by experts. 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 investing in a single asset class.

How do I invest in a ready-made fund?

You’ll need to open an N26 account first. If eligible, you’ll find ready-made funds in the Investments tab of the app. Choose one from three 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!

What fees do I need to pay if I invest in ready-made funds?

You’ll be charged an annual N26 platform fee according to the N26 plan you have: 0.55% for N26 Standard, 0.55% for Smart, 0.39% for N26 {{pan-you-al}}, and only 0.29% for Metal. Fees will accrue daily and be charged monthly. Remember, you’re free to leave the fund at any time, without incurring any additional exit fees.

Are ready-made funds safe?

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.

How do I choose the right ready-made fund?

In the 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 best choose what’s right for you.

Can I lose money in a ready-made fund?

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.

What is the difference between ready-made funds, stocks, and ETFs?

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](https://n26.com/en-eu/investing-in-etfs), you’re investing in a type of index fund made up of various assets — such as stocks or bonds.

How is N26 offering ready-made funds?

N26 gives 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.

A smiling man sits outdoors in a sunny meadow, wearing casual clothing, highlighting the N26 "Ambitious" and "Balanced" investments funds with a chart displaying a growth trend.

Your investments, managed by pros

Let the experts do the hard work for you — choose from three ready-made funds.

Start investing

Investing involves risk of financial loss.

Why choose ready-made funds?

Simple

Professionals handle your investments, so you don’t need to worry about making the right choices.

Accessible

Simply choose one of our ready-made options and start investing from €1. Buy and sell anytime.

Hassle-free

Plan for your financial future without having to constantly research and monitor your investments.

Managed by pros

Our ready-made funds are managed by BlackRock, the leading global asset manager.

Choose from three funds

An abstract green illustration of rolling hills and mountains in a serene landscape.

Mindful

This could be a good choice if you’re not looking to take a lot of risk, and are happy with lower estimated returns* than what our Balanced and Ambitious funds offer.

A blue and abstract illustration of rolling hills and mountains in a serene landscape.

Balanced

This could be a good choice if you’re inclined to take a small amount of risk to enhance your chances of estimated returns* compared to the Mindful fund.

A brown abstract illustration of rolling hills and mountains in a serene landscape.

Ambitious

This could be a good choice if you’re comfortable with taking more risk and looking for more estimated returns* than our Mindful and Balanced fund options.

Mindful

This could be a good choice if you’re not looking to take a lot of risk, and are happy with lower estimated returns* than what our Balanced and Ambitious funds offer.

Balanced

This could be a good choice if you’re inclined to take a small amount of risk to enhance your chances of estimated returns* compared to the Mindful fund.

Ambitious

This could be a good choice if you’re comfortable with taking more risk and looking for more estimated returns* than our Mindful and Balanced fund options.

Get started in 3 simple steps

Pick your ready-made fund

Choose the fund that suits your goals and the level of risk you’re comfortable with.

Choose investment amount

Decide how much you’d like to start with and invest right from your main account.

Set investment frequency

You can add to the fund monthly with an investment plan. Pause or cancel it anytime.

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.

Start investing

Two women sit together outdoors on a wooden deck, smiling while looking at a smartphone held by one of them.

*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.**Investing involves risk of financial lossThe values depicted are fictional and for illustrative purposes.

FAQs

Our ready-made funds are baskets of equities and bonds issued and managed by experts. 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 investing in a single asset class.
You’ll need to open an N26 account first. If eligible, you’ll find ready-made funds in the Investments tab of the app. Choose one from three 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!
You’ll be charged an annual N26 platform fee according to the N26 plan you have: 0.55% for N26 Standard, 0.55% for Smart, 0.39% for N26 N26 Go, and only 0.29% for Metal. Fees will accrue daily and be charged monthly. 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 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 best 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’re investing in a type of index fund made up of various assets — such as stocks or bonds.
N26 gives 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.

FAQs

Our ready-made funds are baskets of equities and bonds issued and managed by experts. 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 investing in a single asset class.
You’ll need to open an N26 account first. If eligible, you’ll find ready-made funds in the Investments tab of the app. Choose one from three 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!
You’ll be charged an annual N26 platform fee according to the N26 plan you have: 0.55% for N26 Standard, 0.55% for Smart, 0.39% for N26 N26 Go, and only 0.29% for Metal. Fees will accrue daily and be charged monthly. 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 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 best 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’re investing in a type of index fund made up of various assets — such as stocks or bonds.
N26 gives 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.

Standard

Smart

Go

Metal

Business Standard

Business Smart

Business Go

Business Metal

Your investments, managed by pros