XTB hasstarted rolling out a redesigned version of its Investment Plans product acrossseveral European markets, adding the option to build recurring portfolios fromboth individual stocks and exchange-traded funds. The brokersaid the updated product is already available in Germany and Spain, withCzechia, Hungary and Slovakia due to follow this week.Theoverhaul is not a surprise. XTB flagged a rebuilt Investment Plans productamong its planned 2026 launches back in March, when it reported recordrevenue but a 25% drop in net profit. The companyframes the redesign as another step toward becoming a default investing app forEuropean retail clients.Stocks Join ETFs inSavings-Plan OverhaulUntil now,XTB's Investment Plans let clients set up automated, recurring purchases builtaround ETFs. The updated version lets users combine ETFs and single stocksinside the same plan, which the company said gives investors more room to shapetheir own portfolios.XTB is alsoadding ready-made plans that clients can pick by sector or risk profile, afeature it said targets beginners who do not want to build a portfolio fromscratch. The brokersaid morethan 80% of its new clients start with stocks, ETFs and Investment Plansrather than leveraged products, the segment the redesign is built for.XTB Pushes Into GermanNeobrokers' Home TurfRecurring-investmentplans are not new to European retail investing. They sit at the core of thebusiness at Berlin's Trade Republic, whose Sparpläne helped build a customerbase now above 10 million, and at Munich's Scalable Capital, which charges a€2.99 monthly subscription for its premium tier. XTB ismatching a familiar product here rather than breaking fresh ground, even as itdescribes the launch as setting a new standard for Poland's investmentindustry.TradeRepublic has spent the past year widening its own range, adding bond ETFs in October 2025 on top of its stock and ETF savingsplans, and it walked into Poland in September 2025, XTB's home market. Thecompetitive lines now run in both directions.XTB, forits part, has said it will spend more onmarketing in Germany this year than in Poland, Trade Republic's base. Shipping a redesignedsavings-plan product into Germany and Spain, then central Europe, fits thatpush. Where XTBis trying to stand apart is the mix of single stocks with ETFs in one recurringplan, alongside the prebuilt sector and risk baskets.Trading Hours andRetirement Accounts Round Out the UpdateAlongsidethe Plans refresh, XTB returned to trading hours. Finance Magnates reported in June that XTB extendedits window to 07:30-22:00 on 745 ETFs for Polish clients.The companynow says the longer hours reach close to 1,000 European stocks and ETFs, withUS names to be added in the coming months.XTBmanagement board member Filip Kaczmarzyk said access to funds "is one ofthe things clients value most," describing the reason for the change.The brokeralso made its IKE and IKZE retirement accounts available on its web platform,after previously offering them only through the mobile app. Thetax-advantaged accounts have been a growth engine at home, helping XTB stay ahead in Poland's account raceeven as the pace cools.This article was written by Damian Chmiel at www.financemagnates.com.