XTB Enhances Next-Gen Investment Plans with Ready-Made Portfolios and Stock Integration

XTB has overhauled its Investment Plans to lower the barrier for retail investors seeking structured, long-term portfolios. By introducing ready-made, risk-based allocations and integrating individual stocks alongside ETFs, the fintech is positioning itself as a comprehensive wealth management platform rather than just a trading venue, catering to users who lack the time for daily portfolio management.

What was announced

The upgrade to XTB’s flagship Investment Plans introduces a tiered approach to portfolio construction, designed to scale with a user’s experience level. Investors can now choose from three distinct paths to build their portfolios: ready-made plans that offer globally diversified, risk-based allocations; sector plans for those seeking targeted exposure to specific industries; and a "DIY" tool that allows users to select individual instruments and compose a plan from scratch. A significant technical shift in this update is the inclusion of individual stocks within these plans, which were previously limited to Exchange-Traded Funds (ETFs).

The platform has also introduced a refreshed user interface intended to provide clearer insights into plan composition and performance tracking. To support passive investing strategies, the upgraded plans retain core features such as on-demand rebalancing and auto-investing. These tools are designed to help investors maintain their desired asset allocation without manual intervention. By offering predefined solutions that match specific risk tolerances, XTB is targeting a demographic that prioritizes goal-oriented milestones, such as long-term savings or specific financial targets, over active day trading. The new system aims to transform the investing journey into a flexible, strategy-driven process that addresses the complexity of the modern financial landscape.

"More and more new clients start investing by buying stocks, ETFs, or setting up their individual investment plans. To make this first step even easier, we now offer them ready-made solutions that ensure sector diversification and match their risk tolerance. Whether they are investing for a dream trip or a long-term milestone, it all starts with a plan. We are making it simpler to take control of its realization,"

Omar Arnaout, CEO of XTB.

The companies involved

XTB is a global fintech company and online investing provider that operates the website xtb.com. The firm has established itself as a significant player in the retail brokerage space, offering a wide range of financial instruments including stocks, ETFs, and various derivatives. Unlike many competitors that rely on third-party software, XTB focuses on its proprietary technology to deliver its trading and investment services. The company has been aggressively expanding its footprint in the global market, moving beyond its traditional roots to become a more holistic financial services provider.

This transition is evidenced by its focus on "Investment Plans" and passive investing tools, which aim to capture a larger share of the long-term wealth management market. Led by CEO Omar Arnaout, XTB has prioritized user experience and accessibility, frequently updating its mobile and desktop applications to meet the evolving needs of its growing user base, which now numbers in the millions globally. The firm’s market position is defined by its attempt to bridge the gap between complex professional trading tools and the simplified interfaces required by novice retail investors.

What FF News has reported before

FF News has closely followed XTB’s evolution as it transitions from a trading-centric platform to a broader investment ecosystem. In September 2026, we covered how XTB Unveils Major App Redesign to Simplify Investing for 3 Million Global Users, a move that set the stage for the current product enhancements. The company has also been active in high-profile marketing and educational initiatives, such as when XTB Scores Major Partnership with Olympique Lyonnais to Drive Financial Education. Furthermore, the firm has leveraged celebrity endorsements to increase its global visibility, as seen when Zlatan Ibrahimović and Tyson Fury Unite for XTB’s Largest Global Investment Campaign. Earlier iterations of these product updates were also noted in our report on how XTB Launches Upgraded Investment Plans Featuring Ready-Made Portfolios and Individual Stock Integration in August 2026.

What this means

This move by XTB reflects a broader industry shift where "trading" apps are transitioning into "investing" platforms to improve customer retention and lifetime value. By adding individual stocks to structured plans, XTB is challenging the traditional boundary between active stock picking and passive indexing. This puts pressure on traditional robo-advisors and legacy wealth managers who often charge higher fees for similar "ready-made" diversification. The success of this strategy hinges on whether retail investors actually want strategy-driven processes or if they will continue to be lured by the volatility of individual assets. It raises the question of whether the industry is moving toward a hybrid model where the distinction between brokerage and wealth management disappears entirely.