XTB has expanded its savings plan feature to cover individual stocks alongside ETFs, giving retail investors a way to automate recurring purchases in specific companies rather than just broad funds. The move responds to growing demand for hands-off investing that doesn't lock people into diversified baskets they didn't pick themselves.
Setting up a plan is simple enough for first-time investors. You open or log in to an XTB account, complete verification, fund it via SEPA transfer, card, or e-wallet, then choose a stock, an ETF, or a mix of both and schedule recurring buys. The platform also offers pre-built templates for those who'd rather not start from a blank screen.
What the templates actually look like
The ready-made plans are grouped by theme. Growth leans on a NASDAQ 100 ETF and an MSCI World ETF. Dividends pulls in a FTSE All-World High Dividend Yield ETF and an S&P Euro Dividend Aristocrats ETF. Semiconductors goes stock-specific, with Nvidia, TSMC, Broadcom, and AMD. Renewable Energy features Ørsted, First Solar, and AXIA Energia. Several other templates exist beyond these four.
For investors who skip the templates and build their own plan, the logic is the same as dollar-cost averaging: invest a fixed amount on a schedule, ignore price swings, and let the average entry cost smooth out over time. The emotional discipline comes built in, because the buy happens automatically whether the market is up or down that week.
The fee structure matters here. XTB charges zero commission on monthly trading volume up to 100,000 EUR, and 0.2% with a 10 EUR minimum above that level. That threshold sits well above what most private savers ever approach in a single month, so for the typical retail investor the whole thing runs commission-free. The total pool of eligible instruments reaches 3,469 stocks, covering a wide stretch of the global equity market on top of the ETF, ETN, and ETC lineup.
This article is for informational purposes only and does not constitute financial advice or a recommendation to buy or sell any asset.
