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Welcome to KINDERleicht Investieren, the podcast that shows you how to save and invest smartly for your child as a parent. Compact, simply explained and easy to implement - ideal for parents who want to give their child the best possible future.

The experts at Invest4kids, Susanna and Torben, explain how you can invest tax-free with ETFs and 6% returns for your child. Our advice will help you find the perfect investment for your child.
Are you ready to take the first step towards a financially secure future for your children?

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29.11.2024

KINDERleicht Investing

KINDERleicht Investing #034 The MSCI World won't make your child rich

In this episode of "KINDERleicht investieren" we explore the question: Will the MSCI World really make your child rich? The MSCI World is often recommended as the perfect all-round investment solution, but is it really the best choice for your child's long-term financial security? We explain what the MSCI World is and the benefits it offers - such as broad diversification across 1,600 companies and low-cost access to global markets. But despite its advantages, there are also significant disadvantages. Why is the MSCI World not the best choice for your child's future? We show why broader diversification and the inclusion of growth regions are necessary to realize the full potential of long-term investing. Listen in and find out why the MSCI World can be a solid start, but not enough to provide your child with long-term financial security! Let us know your thoughts on the episode and follow us on social media for more content: https://www.instagram.com/invest4kids... Or check out our website: https://invest4kids.de/de

22.11.2024

KINDERleicht Investing

KINDERleicht Investing #033 Get rich quick with Bitcoin? This is how risky crypto really is

"Get rich quick with crypto" - a promise that keeps popping up on social media and arouses the curiosity of many parents. The idea of quickly building up a fortune by buying Bitcoin or other cryptocurrencies sounds tempting. But is this really the right way to provide for your child in the long term? In the new episode of "KINDERleicht Investieren", Torben and Bogdan talk about the increasing popularity of cryptocurrencies and explain what exactly is behind the hype. They also explain why crypto is not a safe solution for building wealth and what stumbling blocks parents should be aware of. In addition to extreme price fluctuations and legal uncertainty, there are a massive number of scams and frauds flooding the market. How do you recognize legitimate offers and avoid falling for seemingly promising investments? Bogdan and Torben give practical tips on how to avoid such traps and explain why a sensible investment strategy based on security and planning is the better choice. Listen in and find out how you can secure your money and your child's future - without betting on uncertain trends! Let us know your thoughts on the episode and follow us on social media for more content: https://www.instagram.com/invest4kids... Or check out our website: https://invest4kids.de/de

15.11.2024

KINDERleicht Investing

KINDERleicht Investieren #032 The 5 most common ETF mistakes - and how to avoid them | ETF tips for parents

Do you want to invest in your child's future but are afraid of making mistakes? Don't worry! In this episode of "KINDERleicht Investieren", Susanna and Torben clear up the most common ETF mistakes and give you clear tips on how to avoid pitfalls. Many parents are aware of the benefits of ETFs and know how important it is to start investing in good time. But common questions and concerns stand in the way of taking the first step. Together, Susanna and Torben present five typical mistakes that you should definitely avoid when investing for your child! They explain why a single ETF like the MSCI World is not always the best choice for a long-term strategy, why waiting for the "right" time often doesn't make sense, and how you can lose out on potential gains by ETF hopping and focusing on costs! Listen to the new episode to learn how to avoid common ETF mistakes and build your child's investment safely and for the long term - with no hidden costs and the key benefits of investing through insurance! Let us know your thoughts on the episode and follow us on social media for more content: https://www.instagram.com/invest4kids... Or take a look at our website: https://invest4kids.de/de

08.11.2024

KINDERleicht Investing

KINDERleicht Investieren #031 Rising COSTS for Trade Republic & Co? What parents need to know!

Millions of parents are tempted by the low fees and quick access to trading apps like Trade Republic when starting their child's investment - but are they really the best choice for their child's long-term wealth accumulation? In this episode of "KINDERleicht Investieren", Torben and Bogdan explain why investing via neobrokers harbors risks that are often overlooked. The focus is on the current EU ban on the payment-for-order-flow (PFOF) model, which directly affects platforms such as Trade Republic until 2026. Together, Torben and Bogdan take a look behind the scenes: How does this model work? And why could it become more expensive for users? Many people think a cheap app is the easiest way to make money, but long-term investments require more stability and planning. The two also show which alternatives offer parents long-term security and reliable returns if they want to start an investment for their child - without hidden costs or rising fees. Listen in and find out how to protect and grow your child's wealth wisely! Let us know your thoughts on the episode and follow us on social media for more content: https://www.instagram.com/invest4kids... Or check out our website: https://invest4kids.de/de

01.11.2024

KINDERleicht Investing

KINDERleicht Investieren #030 Don't talk about money? How to show your child the best way to handle money

To celebrate our thirtieth episode of "KINDERleicht Investieren", we have prepared a special episode for you! Together with our guest Laila, an Invest4Kids advisor and single mom, we talk about how to be a financial role model for our children as a parent.Studies show that children adopt their parents' behavior early on - especially in financial matters. But how do you teach good financial awareness? Laila shares her experiences of teaching her son how to manage money, from pocket money to conscious consumer choices. Susanna also reflects on how the financial patterns of her own childhood have shaped her. Together they discuss the importance of having the right mindset and what everyday moments help to teach children how to handle money responsibly. Listen in and find out how you can actively be a financial role model for your child and why this influence is more valuable than any prohibition.

25.10.2024

KINDERleicht Investing

KINDERleicht Investieren #029 8 investment myths debunked! - What parents really need to know

"You can only invest if you have a lot of money!", "Deposits and savings accounts are free - you won't lose any money!" - In episode 29 of "KINDERleicht Investieren", Torben and Bogdan debunk the most common investment myths and clear up widespread misconceptions that prevent many parents from investing wisely for their children's future. The two explain why the fear of crises is unfounded, why insurance is not always expensive and how parents can build up long-term assets for their child even with small savings installments. Torben and Bogdan also discuss how parents can invest successfully despite having little time and why waiting for better economic times is often a big mistake! This episode is a must for all parents who are unsure about investing for children and want to know how to overcome these myths and make the most of their children's future with a smart strategy.

18.10.2024

KINDERleicht Investing

KINDERleicht Investieren #028 School, university, retirement: How parents build up an investment for their child's life

Have you ever thought about investing for your child, but are unsure about how such an investment might turn out in the course of your child's life? Then this episode is for you! In the new episode of "KINDERleicht Investieren", Susanna and Torben discuss fictitious examples that illustrate the typical investment process for parents and their child. They explain the costs that families may incur, how these affect the investment and how, for example, gifts of money for special occasions such as confirmation can be sensibly integrated into the investment. Susanna and Torben run through various hypothetical scenarios: How can unexpected expenses such as braces be financed from the investment? What happens if the family's financial situation changes and savings rates need to be adjusted? And what can your child achieve with the investment later on - from buying a property to retirement provision? Listen to the new episode to find out about the long-term advantages of a clever investment strategy compared to a traditional custody account or savings book!

11.10.2024

KINDERleicht Investing

KINDERleicht Investieren #027 The 7 most frequently asked questions - compact answers in 20 minutes

Many parents are unsure about the topic of children's investments. Questions such as: "Is your advice really free?" or "How safe are my investments?" are often on their minds. Concerns about taxes and returns also play a major role. In the new episode "KINDERleicht Investieren", Bogdan and Torben answer the most frequently asked questions we receive from you on social media and in our consultations on the topic of investing for children. Where can you get a 6% return? Don't you have to pay too much tax on investments? What happens to the money in the event of a world crisis or if Invest4Kids ceases to exist at some point? They also explain why a traditional custody account is not always the best solution for your child's investment and how parents can take advantage of tax benefits with the Invest4Kids concept. Bogdan and Torben explain why a smart strategy with ETFs and funds is so safe and how parents can build up long-term assets - even in times of crisis. Want answers to all these questions? Then you shouldn't miss this episode!

04.10.2024

KINDERleicht Investing

KINDERleicht Investing #026 Retirement age at 80?!

What do rising pension contributions, the challenges of the baby boomer generation, medical advances and the trend towards fewer and fewer children have in common? They could be the biggest stumbling blocks to your child's financial security and future! Why should you worry about your child's pension now when your child is just learning to walk? Exactly because! Because the earlier you start investing for your child's future, the better the chances are that they won't have any financial worries later on. In the latest episode of "KINDERleicht Investieren", Torben and again Bogdan talk about why the pension gap could become a real problem for our children and why you have the opportunity to turn the tide right now. You'll find out how you can lay the foundations for a carefree future with smart investments today and which financial mistakes you should avoid at all costs. So, what are you waiting for? Get the tips you need to secure a golden future for your child - all in the new episode.

27.09.2024

KINDERleicht Investing

KINDERleicht Investing #025 How to save taxes when investing for your child

Whether it's your income or real estate - you pay a lot of tax everywhere. But there are also many hidden costs lurking in investments that are often overlooked. Did you know that up to 25% of your return can go directly to the state if you're not careful? This episode of "KINDERleicht Investieren" is all about taxes for children's investments and the pitfalls that parents should be aware of. We take a look at how investing for children has developed and which tax rules currently apply in Germany. Torben and, for the first time, Bogdan, the co-founder of Invest4Kids, show you how to invest smartly, avoid tax traps and make sure your hard-earned money really goes to your child - and not into questionable projects like bike paths in Argentina. If you want to make sure your child is financially secure without the state taking a big chunk, don't miss this episode!

20.09.2024

KINDERleicht Investing

KINDERleicht Investieren #024 How do parents teach their children about money?

In the 24th episode of "KINDERleicht Investieren", Alex gives personal insights into how his own family dealt with money. How were finances talked about in his childhood? And what values does he pass on to his own children today? Alex also talks about how he and his wife have managed to integrate the topic of finance into everyday life. Listen to the new episode and find out how his children's mindset has developed over the years with regard to handling money correctly and what tips he has for parents to prepare their children for handling money at an early age! More information on our website: https://invest4kids.de/de

13.09.2024

KINDERleicht Investing

KINDERleicht Investing #023 How can I start an investment for my child?

In the new episode of "KINDERleicht Investieren", everything revolves around this question! Susanna and Torben shed light on typical savings goals such as getting a driver's license, going to university or building up equity for your first property. But how much will these costs really be in 18 or 30 years' time? And how much would you have to put aside each month to achieve these goals?

06.09.2024

KINDERleicht Investing

KINDERleicht Investieren #022 Key interest rate and interest rate turnaround: What you need to know now

Have you always wondered what the prime rate actually is and how it affects your finances? In this episode of "KINDERleicht Investieren", Torben and Alex take a deep dive into the key interest rate. They explain exactly what the prime rate is, why it is sometimes raised and what role it plays in the financial system. While many Germans still invest their money very conservatively, Torben and Alex show you why now is the right time to start investing. Make your money work as hard for you as you do - and how do you do it right?

30.08.2024

KINDERleicht Investing

KINDERleicht Investing #021 Is it still worth investing in real estate these days?

In this episode of "KINDERleicht investieren", we ask the question: Is it still worth investing in real estate these days? With rising prices and limited space, many families are wondering whether real estate is still a sensible investment. Together with our real estate expert Alex, we shed light on whether and when a real estate investment is worthwhile for families. We talk about the best way to proceed, what factors to consider and what opportunities and risks are associated with buying a property in the current market situation.

23.08.2024

KINDERleicht Investing

KINDERleicht Investing #020 Robo-Advisor risks: Is your investment really safe?

This episode of "KINDERleicht investieren" is aimed at parents who are already investing for their children. Do you think that because you already have an investment, you're on the safe side? There could be more to it! We share the story of a customer who was convinced he had done everything right - until it turned out that his investment via a robo-advisor caused unexpected losses. What went wrong? And what can you learn from it?

16.08.2024

KINDERleicht Investing

KINDERleicht Investieren #019 Free investment advice for parents? How is that possible?

In this episode of "KINDERleicht Investieren", we answer what is probably our most frequently asked question: How does an initial consultation at Invest4Kids work and is it really free?

09.08.2024

KINDERleicht Investing

KINDERleicht Investieren #018 The biggest risk in children's investing!

In this episode of KINDERleicht Investieren, we take a deep dive into a topic that many parents underestimate: the right of co-determination in children's investments. In the last episode, we already discussed the five conditions for a perfect investment, but why are we dedicating an entire episode to the right of co-determination? Because it's the biggest risk to your investment if you don't take it into account.

02.08.2024

KINDERleicht Investing

KINDERleicht Investieren #017 Five conditions for a perfect child investment

Life is often unpredictable. Whether it's sudden changes in your family finances, economic crises due to wars or legal and tax changes - in this episode, Torben and Susanna explain what you need to look out for to be protected against all of this. They discuss a checklist with the 5 most important conditions that a perfect investment for your child should fulfill. Do you want to invest for your child and don't know what to look out for? Then this episode is just right for you. Or do you already have a custody account or a building society savings contract? Then you may be leaving a lot of potential untapped. Listen in to find out whether your investment meets all the important criteria and how you can make the best possible provision for your child.

26.07.2024

KINDERleicht Investing

KINDERleicht Investing #016 Why most parents don't start investing

In this episode of "KINDERleicht Investieren", we look at the bullshit arguments why parents don't start investing for their child. How many times have you set yourself annual resolutions only to put them off again and again? In the same way, many parents approach investing for their children with the excuse "I don't have time for it". But postponing and procrastinating cost valuable time and money.

19.07.2024

KINDERleicht Investing

KINDERleicht Investing #015 When is the right time to start investing?

In this episode of "KINDERleicht Investieren", we look at when the right time is to start investing for your child. True to the motto: It's better to start than to wait, we explain why you don't have to wait for the perfect time and what impact the cost-average effect has. We also discuss why you shouldn't be afraid of crises.

12.07.2024

KINDERleicht Investing

KINDERleicht Investing #014 Why you should invest with an expert

In this episode of "KINDERleicht investieren" we talk about why you should invest with an expert. We share our experiences with parents - from beginners to those who have already developed their own strategy for their child. We also look at the MSCI World, one of the best-known ETFs, and why it's not always the best choice for your child's strategy. We use an example to explain what a difference the compound interest effect can make and how you too can have as much money in your savings as Scrooge McDuck. Listen in and find out how you can make the best investment decisions for your child!

05.07.2024

KINDERleicht Investing

KINDERleicht Investing #013 Why a custody account is not a good investment for your child

In this episode of "KINDERleicht Investieren", we look at the topic of custody accounts and why they are often recommended as the best investment option. We explain why a custody account is actually not a good investment for your child and why influencers still recommend it. We look at the various aspects that make a custody account an unsuitable choice for your child and present alternative, better solutions. Listen in and find out how you can make the best investment decisions for your child!

28.06.2024

KINDERleicht Investing

KINDERleicht Investing #012 Can I lose all my money?

In the latest episode of "KINDERleicht Investieren", the experts from Invest4Kids explore the question: Can I lose all my money when investing? We shed light on the risks and rewards of investing and explain how you can ensure your children's financial security by safeguarding their condition. Listen in for sound insights and practical tips to help you make smart and safe decisions.

21.06.2024

KINDERleicht Investing

KINDERleicht Investieren #011 How realistic are 6% returns (S&P 500)

In the new podcast episode of "KINDERleicht investieren", the experts from Invest4Kids talk about how realistic a 6% return is. We explain what yield is, how it comes about and take a look at the S&P 500. We also explain why you can't just take the exact yield of the ETF. Dive in to understand financial basics with ease and secure your children's future!

14.06.2024

KINDERleicht Investing

KINDERleicht Investieren #010 Insight into the everyday life of a single parent consultant

In the latest episode of "KINDERleicht investieren", we give you an insight into the life of Laila, a single mother and advisor with us. She shares her experiences and challenges in everyday life and shows how she ensures her children's financial security. Check it out to learn practical tips and strategies that can help you too to ensure your family's financial security.

07.06.2024

KINDERleicht Investing

KINDERleicht Investieren #009 ETFs vs. funds - Which is better?

In this podcast episode, you'll find out why it's worth thinking beyond the traditional savings account. We look at funds and ETFs - two promising investment strategies.

31.05.2024

KINDERleicht Investing

KINDERleicht Investieren #008 ETFs - What are they?

In the latest "KINDERleicht investieren" podcast episode, we explain: What is an ETF? We explain in easy-to-understand terms how exchange traded funds work and why they are a smart way to provide financial security for children. Listen in now to easily understand the world of ETFs and make smart decisions for your family's future!

24.05.2024

KINDERleicht Investing

KINDERleicht Investieren #007 Investment funds - What are they?

In the latest "KINDERleicht investieren" podcast episode, we explain to young parents what a fund is. From the definition to specific examples, we take you on a journey through the world of this investment. Find out how funds can contribute to your children's financial security. Listen in and gain easy-to-understand insights into the world of funds!

17.05.2024

KINDERleicht Investing

KINDERleicht Investieren #006 Share - What is it?

In the latest "KINDERleicht investieren" podcast episode, young parents discover the world of shares. We explain what shares are and how they can make a decisive contribution to children's financial security. Learn the basics and find out how you can cleverly integrate this form of investment into shaping your family's future. Listen in now and become a financial wizard for your children!

10.05.2024

KINDERleicht Investing

KINDERleicht Investieren #005 Investment - What is it?

In the latest "KINDERleicht investieren" podcast episode, we take young parents on a journey through the world of investment. From basic definitions to practical tips, we explain what is behind the term "investment" in an understandable way. Get inspired on how you can shape your children's future by making smart financial decisions. Listen in and take your first steps into the world of investing!

03.05.2024

KINDERleicht Investing

KINDERleicht Investieren #004 The best investments

In the latest episode of "KINDERleicht investieren", we explore the best ways for young parents to achieve financial security. From shares, funds and ETFs to real estate and gold - we shed light on the benefits of tangible assets. Discover how you can create a sustainable foundation for your children's future through smart investments. Listen now and be inspired by the best investments!

26.04.2024

KINDERleicht Investing

KINDERleicht Investieren #003 The worst investments

In the latest "KINDERleicht investieren" episode, we expose financial stumbling blocks for young parents: Building society savings contracts, savings books and capital-forming life insurance policies. Find out why these supposedly safe investments are often not the best choice and which alternatives will help you to shape your children's financial future wisely. Listen in to avoid pitfalls and take the right steps!

19.04.2024

KINDERleicht Investing

KINDERleicht Investing #002 You're burning your child's money

In the latest episode of "KINDERleicht investieren", we focus on fundamental questions: Why is investing so important for young parents? We shed light on how inflation affects your children's money and raise awareness of why our generation needs to rethink. Learn why supporting your child will be costly in the future. Listen in to create financial awareness and set the course for a secure future!

12.04.2024

KINDERleicht Investing

KINDERleicht Investieren #001 Who is Invest4Kids and what do we do?

Get to know Invest4kids better in this "KIDS investing the easy way" podcast episode: Why we're doing this podcast, what sets us apart, and how we're shaping your kids' financial future.Discover why an advisor is crucial to investing wisely and creating lasting security for your family's dreams.
Secure free advice
Secure free advice