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Saving Plan

Invest with confidence and shape your future progressively with Wirex. Begin with as little as €50 and decide the amount and frequency of your contributions, tailoring your plan to match your personal goals and financial priorities.

What Is a Capital Accumulation Plan (CAP)?

A Capital Accumulation Plan (CAP) is a structured investment strategy designed for those who want to build wealth progressively without committing large amounts at once. With Wirex, you invest consistently over time, selecting the amount, frequency, and duration that best match your financial objectives.

Gradual Investing

Begin with smaller contributions and expand your plan steadily over time.

Personalized Structure

Choose your contribution amount, payment schedule, investment horizon, and preferred financial instruments.

Flexible Control

Pause, resume, or modify your contributions at any time, without additional charges.

Long-Term Approach

Regular investing can help reduce the impact of market volatility and support more balanced growth over time.

Which Tools Can You Use to Build a CAP?

With Wirex, you can structure your Capital Accumulation Plan using a broad selection of mutual funds or ETFs, allowing you to diversify effectively and manage risk according to your objectives.

Mutual Funds
Mutual funds are professionally managed investment vehicles operated by Asset Management Companies (AMCs). They collect capital from multiple investors and allocate it across diversified portfolios that may include equities, bonds, cash, and other financial instruments, offering balanced exposure aligned with different risk profiles.

PROFESSIONAL MANAGEMENT:

A dedicated team of investment specialists continuously monitors market conditions and adjusts portfolio allocations to capture opportunities while managing risk effectively.

DIVERSIFICATION

Even with modest contributions, you benefit from exposure to a diversified portfolio, helping reduce reliance on any single asset or market segment.

WIDE SELECTION

Select from funds targeting specific sectors such as technology, sustainability, or healthcare, or choose solutions aligned with your individual risk profile and financial objectives through Wirex.

ETFs (Exchange Traded Funds)

ETFs are exchange-listed investment funds designed to replicate the performance of a specific market index, such as the S&P 500, the FTSE MIB, or major bond indices. With the Wirex Replay Plan, you can schedule automatic and recurring purchases of one or more ETFs, building your investment gradually with flexibility and control.

Three Reasons to Choose the Replay Plan

DIVERSIFICATION

By tracking global indices such as the MSCI World, you gain exposure to thousands of companies across multiple sectors and geographic regions, supporting broad portfolio diversification.

ETFs WITH ZERO COMMISSIONS

Begin investing in ETFs without purchase commissions. Choose from a wide range of more than 800 ETFs, organized by sector, region, or issuer.

SPECIFIC THEMES AND SECTORS

Invest in the trends shaping the future through thematic ETFs, covering areas such as sustainability, artificial intelligence, e-gaming, cybersecurity, and other innovative industries — all accessible through Wirex.

Stay in Full Control

Manage your Capital Accumulation Plan independently or with the guidance of a Wirex consultant, the choice is entirely yours.

Monitor your CAP anytime through the app or website and keep track of:

Already a Client? Start Investing Today

Activate your fund-based Capital Accumulation Plan directly from your secure Wirex area by navigating to Consulting and Investments » Funds, and select the solution that best aligns with your objectives.

To set up an ETF-based Capital Accumulation Plan, access Markets and Trading » ETFs, ETCs, and ETNs from your reserved area and choose the instrument that fits your investment strategy.