All advantages at a glance
The Invest4Kids concept
We bring together everything your child needs
The smart combination of ETFs, tax advantages, and parental control. For an investment that is truly tailored to your child.
A comparison of the Invest4Kids concept
Savings book
- High flexibility
- High return
- Half-income method
- Tax-free change of strategy
- Lifelong condition assurance
- Parental control at 18
- Tax-optimized payout possible
Invest4Kids concept
- High flexibility
- High return
- Half-income method
- Tax-free change of strategy
- Lifelong condition assurance
- Parental control at 18
- Tax-optimized payout possible
Depot
- High flexibility
- High return
- Half-income method
- Tax-free change of strategy
- Lifelong condition assurance
- Parental control at 18
- Tax-optimized payout possible
The 5 conditions for the perfect investment in children
Discover the various aspects of our well-thought-out concept for your child's financial future.
Condition assurance
e protection
Secure today what matters tomorrow
With Invest4Kids, you can secure attractive terms today that will continue to benefit you tomorrow. No rising fees, no stress over tax reforms.
💡 Did you know?
Since 2009, capital investments have undergone several tax adjustments. Those who invest early and secure favorable conditions are on the safe side.
You want the best for your child—even when the world is changing?
Anyone who invests in their child is thinking long term. But a lot can change over many years, especially when it comes to taxes or legal frameworks.
With Invest4Kids, you can secure attractive terms today that will continue to benefit you tomorrow.
No rising fees
No stress about future tax reforms
No loss of valuable benefits because you were late
A difference of just 5% in taxation can amount to several thousand euros over decades simply because of a change in the law.
Therefore, the following applies:
Plan early. Secure wisely. And get the most for your child.
Flexibility
Stay flexible even when life changes
Adjust your savings rate, make additional payments, or withdraw money—your investment adapts to your life. As flexible as you need it to be.
Every family is different. And no life goes according to plan. That's why you need an investment that thinks and moves with you.
With Invest4Kids you can:
Adjust your savings rate at any time: up or down, depending on your current life situation.
Make additional payments, for example on birthdays or when children start school
Withdraw money when you need it—because the investment is in your name, allowing you to act quickly.
Whether it's a job change, financial difficulties, or a gift from grandparents, your plan for your child remains flexible—just like life itself.
Right of determination from 18
You have a say in how the money is used, even after your 18th birthday.
Unlike with a traditional children's savings account, you retain a say in how the money is spent. Your child doesn't just receive money, but an opportunity for the future with guidance.
Many parents are unaware that:
If you set up a children's savings account in your child's name, the money will belong 100% to your child from their 18th birthday onwards, and they will have full power of disposal.
💡 What does that mean?
You've saved, planned, and perhaps sacrificed for years. And then suddenly a teenager decides what to do with it. A new cell phone, car, crypto? No control. No security. No more say in the matter.
of young adults say that their spending habits are primarily influenced by their social environment and their hobbies.
Source: Invest4Kids study (2025)
Imagine this: you've done everything right for 18 years, and then your savings evaporate within a few weeks. Not because your child means any harm, but because they are young and think like a young person.
state that platforms such as TikTok, Instagram, and YouTube influence their consumption behavior.
Source: Invest4Kids study (2025)
But what can you do about it?
👉 With the Invest4Kids concept, you get the best of both worlds:
Tax benefits as with an investment in your child's name
But with the right to decide from the age of 18
You can continue to influence when and what the money is used for. For example:
- For training that opens doors
- For starting a degree program
- For your driver's license, a year abroad, or your first rental agreement
Your child will not just receive money later on, but a real opportunity accompanied by responsibility.
would spend €10,000 directly on consumer goods or experiences instead of investing in education or retirement planning.
Source: Invest4Kids study (2025)
Free funds and ETF selection
Expert selection from 45,000 funds & ETFs
Our experts will put together a solution that suits your family, your goals, and your values. The selection is made personally and not automatically.
You don't want just any solution, you want the one that really suits your child.
Unlike with banking products or robo-advisors, Invest4Kids does not limit you to a restricted set of investment options. Our experts continuously monitor the market and select the best products for your family from over 45,000 funds and ETFs, tailored to your goals, values, and ideas. Whether sustainable ETFs, specific industries, or long-term strategies: we develop a concept that suits you. With us, you don't talk to an algorithm, but to real people who take the time to listen to you.
🔎 Which strategy really suits your situation?
In a free consultation, we will show you what an ETF portfolio that suits your family and is clearly structured could look like.
Take advantage of tax benefits
More money for your child thanks to a smart tax structure
Tax-optimized asset accumulation without advance lump sums. This ensures that as much as possible goes to your child and not to the tax office.
Pay less tax and get more for your child
When you invest in your child, you want as much of it as possible to go to them and not to the government. With the right approach, you can achieve exactly that: our strategies are designed to help you make the most of tax advantages.
This means:
Tax-optimized asset accumulation
No advance tax on capital gains, as is the case with traditional securities accounts, for example
Optimization of payouts so that your child retains as much of their savings as possible
💡 Did you know?
With traditional ETF accounts, you have to pay the so-called advance lump sum every year—a tax on capital gains, even if you don't sell anything. With the Invest4Kids concept, you can avoid this and take full advantage of the compound interest effect.
Want to see how these benefits affect your investment?
With our interactive calculator, you can see how your investment could grow depending on your savings rate, one-time payment, and your child's age. The results are calculated individually and presented in an easy-to-understand way.
Adapted to:
- your child's age
- your monthly savings rate
- and possible one-time payments
We are Invest4Kids
Get a glimpse into our office in Kiel and see how we support parents with expertise and passion.
Our location: Fabrikstraße 7, 24103 Kiel
