ETFs for children: How to build a strong foundation for your offspring's future with Invest4Kids
- ✅ Up to €25,703* more, child's assets compared to a savings account or call money account
- ETFs instead of low interest rates: long-term wealth accumulation through equity ETFs, funds and bonds
- ✅ Adjust your monthly savings rate flexibly - start from just €25
Over 5,200+ parents trust Invest4Kids to save for children
Why should you invest your child benefit?
...that your child has a financial head start and can plan their future with confidence?
...be secure for the future yourself and not have to worry that you won't have enough for your child later?
...be a role model for your child and show them how to save wisely for the future through ETF investments?
Despite all these reasons
Why are many parents still hesitant?
Many parents still invest child benefit or savings amounts in traditional savings accounts. However, inflation is slowly eating away at their assets. The result: savings barely grow, while important goals such as studying, a driving license or a first homebecome significantly more expensive.
- Uncertainty in the selection of suitable ETFs
- Lack of knowledge about risks and opportunities
- Fear of hidden costs or wrong decisions
Save ETFs with Invest4Kids:
Experts at your side
17+
5200+
Our mission
We are a dedicated team of investment experts from Kiel who are passionate about the financial security and education of families. Our mission is to create a stable and profitable financial foundation for the next generations.
We are convinced that children always deserve the best. That's why we reject traditional and outdated savings methods such as savings books or building society savings contracts - these days they offer little return and can even reduce assets. With our modern approach to children's investments, we offer parents targeted advice on how to shape their children's financial future securely and profitably.
Our concept combines the strengths of ETFs with the advantages of an insurance solution. This not only secures ETF shares for your child, but also your control over the investment - even after their 18th birthday.
Get your personal expert by your side now
It's time to take the next step and put your child's financial future on a stable footing. Sign up now for a free consultation and find out how you can invest wisely in your child's future.
5200+ parents trust us
How to make your child's wishes come true through smart investing
Monthly savings rate
255 €
Savings period
18 years
Yield
6 % p.a.
Total contribution
55.080 €
Assets on the 18th
Birthday
97.645 €
Driver's license & car
8.000 €
World tour
6.000 €
Study (6 semesters)
30.000 €
Money available according to
Expenditure
53.645 €
The best reasons for a children's custody account with Invest4Kids
Long-term wealth accumulation
With shares, ETFs and bonds, the child's assets grow steadily. The compound interest effect turns small savings amounts into large assets.
Take advantage of tax benefits
No capital gains tax on strategy changes, optimum use of tax allowances, transparent treatment on payout.
Right of determination from 18
Parents retain control of the assets even after they reach the age of majority - a clear advantage over standard custody accounts.
Flexible savings rate
Start from a minimum monthly savings rate of € 25, adjust at any time or add one-off amounts.
Wide selection of securities
Access to ETFs, funds and bonds - always in line with your savings goals.
Advice and service
Personal support for parents, grandpa, grandma or grandparents - free of charge and without obligation.
Secure these benefits now with Invest4Kids
Sign up today for a free, no-obligation consultation and benefit from the advantages of the Invest4Kids concept for a lifetime. You'll be laying the foundations for a secure financial future for your child, who will be grateful!
5200+ parents trust us
From birth to adolescence: how your ETF savings plan for children works
Book a free consultation
Sign up for a free, no-obligation consultation. Simply fill out our form, answer a few brief questions and leave your contact details. Our expert will then get in touch with you to discuss the first steps. This will give you an initial overview and tell you the best way to invest for your child.
Invest4Kids will contact you
We will contact you within 48 hours to discuss the process in a short phone call. In this conversation, we will check your current status and make sure that you can benefit from our advice to the maximum. We'll take the time to clarify your questions and explain all your options.
Your individual consultation
In a 30-minute consultation, you will find out everything you need to know about ETF investments for your child. We'll discuss your family situation and your savings goals. We will then answer all your questions, explain how to invest in ETFs and show you how you can achieve the best for your child with Invest4Kids.
The Invest4Kids concept for your child
What parents and grandparents say about Invest4Kids
March 2024
Schmitt family
We didn't want all the assets to simply be transferred into the child's name at 18. Invest4Kids convinced us with the right of determination. We now save regularly for our son via an ETF savings plan.
June 2024
Lisa & Tobias
My grandfather wanted to pay 1,000 euros into the children's custody account to make it easier to get started. Invest4Kids made it easy and we immediately saw how the ETF shares performed.
February 2024
Nadine S.
We tested and compared many providers, but nowhere were the costs, tax allowances and returns explained so transparently. Today, we are saving for our daughter with a clear strategy - and finally feel secure.
Investing in your child's future is more than just a financial decision - it's an act of love and care.
FAQ
Are ETFs really safe for children?
ETFs are one of the safest and most transparent forms of investment because they do not focus on a single company, but on entire markets. This means that the risk is greatly reduced through broad diversification. Of course, share prices fluctuate in the short term, but over many years these movements even out and a stable growth trend emerges. This is ideal for children in particular, as the investment horizon is long enough to benefit from this development. Invest4Kids also gives you a personal strategy that minimizes risks and makes targeted use of opportunities. Security comes from diversification, experience and our ongoing support.
How much can I start with?
Many parents think that you need large sums of money to invest wisely. That's not true: with Invest4Kids you can start from as little as €25 per month. Even small amounts have a big impact due to the compound interest effect if they are invested in ETFs over the long term. The decisive factor is not the amount you start with, but the continuity over the years. Parents have the option of adjusting, increasing or temporarily pausing the savings rate at any time. This allows you to remain flexible without sacrificing long-term wealth accumulation. Our aim is to give families with a smaller budget access to professional investment strategies.
Can I withdraw money at any time?
Flexibility is a key feature of the Invest4Kids concept. You decide for yourself whether you want to adjust your savings rates, make one-off payments or withdraw money as required. This is particularly important as life circumstances can change - be it due to unplanned expenses, a change of job or new wishes for your child. In contrast to fixed savings contracts, your money remains available at all times. At the same time, you benefit from the security of knowing that your long-term investment strategy will remain intact, even if you make adjustments from time to time. In this way, you combine the stability of an ETF investment with the flexibility that families need in everyday life.
What happens when my child turns 18?
With traditional child custody accounts, ownership is automatically transferred to the child as soon as they reach the age of majority. This means you no longer have any control over the assets. Invest4Kids works differently: with the unique "right of determination from 18", parents retain control over the investment for as long as they wish. This prevents the money from being spent prematurely and ensures that it is used for the really important goals - be it studies, a driving license or their first property. You therefore decide how long the capital remains invested and can flexibly adapt it to your child's future.
What does the consultation cost me?
The initial consultation at Invest4Kids is completely free of charge and non-binding. It is important to us that parents take their time to ask all their questions and get a clear picture of the options. Transparency is a core value: there are no hidden fees, no custody account management or transaction costs. Even after you have set up your account, you remain flexible and only pay clearly defined administration costs. In the long term, the cost structure is even more favorable than with many custody accounts, as tax advantages and the absence of switching fees are significant. With our free consultation, you not only receive information, but also an individual concept that suits your child.
