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.
Start investing
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.

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 just €1. Buy and sell anytime.

Wealth-building

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

Skip the research. Our ready-made funds are baskets of equities and bonds with different risk and reward levels. Just choose what’s right for you.
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.

Get started in 3 simple steps

Icon fund gray.
Pick your ready-made fund

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

Icon gray Investment.
Choose investment amount

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

Icon gray Frequency.
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.
A person interacts with the N26 app on their smartphone, exploring the "Balanced" investment fund, featuring an intuitive interface and visualized risk levels.

*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 ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of ready-made funds. 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.

Related Blogposts

picture of a woman holding a smartphone.

Navigating the stock market: How does it really work?

Spoiler: The stock market isn’t just one place, and when you buy a company’s stock, you’re not buying it from them directly. Surprised? Read more here about stock markets and how they work.

picture of a person and financial market illustration.

What are financial markets? Definitions, functions, and types of financial markets

Whether you're interested in investing in stocks or curious about trading cryptocurrency, financial markets are key for growing wealth. Here, we explain the different types and how they work.

A woman by a laptop looking at her cellphone.

The myth of starting early: Why it’s never too late to start investing

Are your finances doomed if you don’t start setting money aside early? We explain why investing early is more difficult than it seems, and what you can do to grow your money at any age or stage.