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All the benefits at a glance

The Invest4Kids Concept

We have everything your child needs

A smart combination of ETFs, tax advantages, and parental control. For an investment that’s truly tailored to your child.

A Comparison of the Invest4Kids Concept

Savings account

High flexibility
High return
Half-Income Method
Tax-Free Change in Strategy
Lifetime warranty
Parental control at age 18
Tax-optimized payout available

Invest4Kids Concept

High flexibility
High return
Half-Income Method
Tax-Free Change in Strategy
Lifetime warranty
Parental control at age 18
Tax-optimized payout available

Account

High flexibility
High return
Half-Income Method
Tax-Free Change in Strategy
Lifetime warranty
Parental control at age 18
Tax-optimized payout available

The 5 Key Factors for the Perfect Investment in Children

Discover the various aspects of our well-thought-out plan for your child's financial future

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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, tax rules governing investments have been revised several times. Those who invest early and secure favorable terms are on the safe side.

You want to give your child the best possible start—even as the world changes?

Anyone who invests for their child is thinking long-term. But a lot can change over the course of 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 in the future.

No rising fees

No need to worry about future tax reforms

Don't miss out on valuable benefits just because you were late

A difference of just 5% in taxation can several thousand euros over the course of decades amount to just a change in the law.

Therefore:

Plan early. Plan smart. And get the most out of it for your child.

Flexibility

Stay flexible even as life changes

Adjust your contribution rate, make additional payments, or withdraw funds—your investment adapts to your life. As flexible as you need it to be.

Every family is different. And life doesn't always go according to plan. That's why you need an investment that adapts to your needs and keeps pace with you.

With Invest4Kids, you can:

Adjust your savings rate at any time: up or down, depending on your current circumstances

Make co-payments, for example, for a birthday or for starting school

Withdraw moneywhenever you need it—because the investment is in your name, so you can act quickly

Whether it's a career change, financial difficulties, or a gift from the grandparents: Your plan for your child stays flexible—just like life.

Right to decide from age 18

You have a say in how the money is used, even after you turn 18

Unlike with a traditional children's savings account, you retain a say in the matter. Your child doesn't just receive money; they get a guided opportunity for the future.

Many parents don't even realize:

If you open a children's savings account in your child's name, the money belongs 100% to your child as of their 18th birthday, and they have full control over it.

💡 What does that mean?

You’ve spent years saving, planning, and maybe even making sacrifices. And then suddenly, a teenager decides for themselves what to do with it. A new cell phone, a car, cryptocurrency? No control. No security. No say in the matter anymore.

96%

Young adults say that their spending habits are primarily influenced by their social circle and their hobbies.

Source: Invest4Kids Study (2025) (https://invest4kids.de/studie/)

Imagine this: You’ve done everything right for 18 years, and then your savings vanish in a matter of weeks. Not because your child means any harm. But because they’re young. And they think like a young person.

68%

say that platforms like TikTok, Instagram, and YouTube shape their consumption habits.

Source: Invest4Kids Study (2025) (https://invest4kids.de/studie/)

But what can you do about it?

👉 With the Invest4Kids concept, you get the best of both worlds:

Tax benefits similar to those of an investment held in your child's name

But with the right to vote starting at age 18

You can continue to have a say in when and how the money is used. For example:

An education that opens doors

Getting started with your degree program

For a driver's license, a year abroad, or your first lease

Your child won't just receive money later on, but a real opportunity, accompanied by responsibility.

19.5%

would spend €10,000 directly on consumer goods or experiences rather than investing it in education or retirement savings.

Source: Invest4Kids Study (2025) (https://invest4kids.de/studie/)

Open-Ended Funds and ETF Selection

Expert selection from 45,000 funds and ETFs

Our experts will put together a solution that fits your family, your goals, and your values. The selection process is personalized, not automated.

You don't want just any solution—you want the one that's truly right for your child.

Unlike with bank products or robo-advisors, Invest4Kids doesn’t limit you to a narrow range of investment options. Our experts constantly monitor the market and select from over 45,000 funds & ETFs We’ll tailor the best products for your family based on your goals, values, and preferences. Whether it’s sustainable ETFs, specific sectors, or long-term strategies, we’ll develop a plan that’s right for you. With us, you won’t be talking to an algorithm—you’ll be talking to real peoplewho take the time.

About the Invest4Kids Team

🔎 Which strategy is really the right fit for your situation?

In a free consultation, we’ll show you what an ETF portfolio that suits your family and is structured in a clear and easy-to-understand way might look like.

Schedule a free consultation

Take advantage of tax benefits

More money for your child through a smart tax structure

Tax-optimized wealth accumulation without an upfront fee. This way, as much as possible goes to your child instead of the tax office.

Pay less in taxes and get more benefits for your child

When you invest for your child, you want as much of it as possible to go to them—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 benefits.

This means:

As much as possible tax-efficient wealth accumulation

No withholding tax on capital gains, as is the case, for example, with traditional investment accounts

Optimizing payouts so your child can keep as much of their savings as possible

💡 Did you know?

With traditional ETF portfolios, the so-called Advance payment to – a tax on capital gains, even if you don't sell anything. With the Invest4Kids concept, you can avoid and take full advantage of the power of compound interest.

Interactive calculator for Invest4Kids – Calculates investment growth based on the savings rate and the child's age.

Want to see how these benefits will affect your investment?

With our interactive calculator, you can see how your investment might grow based on your savings rate, lump-sum contribution, and your child’s age. The results are calculated individually and presented in an easy-to-understand format.

Adapted for:

✓your child's age
✓your monthly savings amount
✓and any one-time payments

Test your computer now

Interactive calculator for Invest4Kids – Calculates investment growth based on the savings rate and the child's age.

We are Invest4Kids

Get a glimpse of our office in Kiel and see how we support parents with expertise and passion.

Our location: Fabrikstraße 7, 24103 Kiel