Transparency & methodology at Invest4Kids
Honest. Sure. For you and your child.
When you invest money for your child, you want to know where you stand.
That's why we show you quite openly how we work, how we calculate - and what we don't do.
Without small print. Without tricks.
That's why we show you quite openly how we work, how we calculate - and what we don't do.
Without small print. Without tricks.
How we arrive at "β¬25,703 more per child"
This figure is based on a simple comparison:
| Comparison | Invest4Kids (ETF-based) | Classic savings book |
|---|---|---|
| Savings rate | 150β¬/month | 150β¬/month |
| Runtime | 18 years | 18 years |
| Yield assumption | 6% p.a. (standard market rate) | 0.1% p.a. |
| Result | approx. 58.700β¬ | approx. 33.000β¬ |
Difference: β¬25,703 - just by making the right investment.
Note: This is an example - not a guarantee or forecast.The actual development depends on the market situation.
What does "tax-free" really mean?
Many parents ask: "Is this really tax-free for my child?"
Answer: Often yes - if a few things are taken into account:
Answer: Often yes - if a few things are taken into account:
- β The child has no incomeduring training/studies
- β A non-assessment certificate (NV certificate) is requested
- β The ETF insurance does not include the upfront lump sum (unlike the custody account)
Note: Individual tax exemption depends on the individual case.We do not provide tax advice.
Our ratings
All published reviews come from parents who have personally used our advice.
We collect feedback:
We collect feedback:
- directly after the consultation (e.g. via WhatsApp or email)
- via Trustpilot (with system-supported authenticity check) and Google
- via voluntary online surveys
The reviews were submitted voluntarily. An external formal authenticity check within the meaning of Section 5b (3) UWG does not take place.
Why we expect a 6% return in our examples
The 6% is not a guarantee - but a realistic average value.
- Historically, the annual return on broadly diversified equity markets - even in the worst periods - has been around 6% over the long term
- We deliberately calculate conservatively
- The actual return depends on the product & market
Goal: a realistic, comprehensible calculation basis
Conclusion: The 6% figure is not optimistic - it has been chosen carefully. So that you can clearly assess what is possible for your child in the long term.
How does our consultation work?
Our advice is:
- free of charge & non-binding
- Individually tailored to your child
- without sales pressure
We take time for you and look together to see which solution suits your
family situation - whether ETF insurance or a children's custody account.
How do we earn money?
It's simple: if you choose a solution, we receive a fee from the product provider.
There are no additional or hidden costs for you.
Our recommendation is always based on what is best for your child in the long term.
best for your child.
What we do NOT do:
- β No tax or legal advice
- β No blanket recommendations without personal analysis
- β No promises of returns or guarantees
What we do: Give you clarity, security and long-term prospects - at eye level
at eye level and with real expert knowledge.
Why you can trust us
We are not an anonymous comparison calculator - we are real people with real experience.
We are advisors with heart and mind, specializing in what really matters: your child's financial future.
For us, it's not about products, but about long-term solutions that suit your family.
Germany's leading advisory firm for children's investments.
With β€οΈ for families and a clear goal:
To give your child real financial freedom later on.
We are advisors with heart and mind, specializing in what really matters: your child's financial future.
For us, it's not about products, but about long-term solutions that suit your family.
Germany's leading advisory firm for children's investments.
With β€οΈ for families and a clear goal:
To give your child real financial freedom later on.
