XTB has introduced a compelling savings plan that caters to both individual stocks and ETFs, addressing the increasing demand for automated, recurring investment options. This innovative approach allows investors to set up a savings plan that can include a single stock, an ETF, or a combination of both, making it easier to manage investments without constant oversight.

The standout feature of XTB's offering is its extensive selection of 3,469 stocks eligible for savings plans, in addition to various ETFs, ETNs, and ETCs. This breadth of choice means that investors can engage in automated, recurring investing that spans a significant portion of the global equity market, moving beyond just fund-based products.

When it comes to costs, XTB's fee structure is notably competitive. Investors benefit from a commission-free experience for monthly trading volumes up to 100,000 EUR, and a modest 0.2% commission (with a minimum of 10 EUR) applies to any amount exceeding that threshold. For most retail investors, who typically do not reach such high savings figures, this effectively translates to a cost-free automated investment strategy.

XTB also provides pre-constructed savings plan templates, which can be a great asset for novice investors. Instead of starting from scratch, individuals can select a predefined plan tailored to specific themes or investment goals. Some examples of these templates include:

  • Growth: Focused on funds like the NASDAQ 100 ETF and the MSCI World ETF.
  • Dividends: Incorporating the FTSE All-World High Dividend Yield ETF and the S&P Euro Dividend Aristocrats ETF.
  • Semi-Conductors: Featuring stocks such as Nvidia, TSMC, Broadcom, and AMD.
  • Renewable Energy: Highlighting companies like Ørsted, First Solar, and AXIA Energia.

This user-friendly platform streamlines the setup process, guiding investors through their options effortlessly.

Automated savings plans are integral for long-term investors as they embody the principle of dollar-cost averaging, which entails investing a fixed sum at regular intervals, regardless of market prices. This strategy helps to mitigate the emotional stress often associated with trying to time the market, allowing investors to purchase consistently and gradually even out their entry price over time.

For those interested in embarking on this investment journey with XTB, the process is straightforward. Simply open or log in to your XTB account, complete the verification, fund your account through SEPA transfer, card, or e-wallet, and then explore the range of eligible stocks and ETFs or opt for a pre-made template. This simplicity ensures that even first-time investors can start building their portfolios with confidence.

This content is for informational purposes only and should not be considered financial advice.