Transparency & Methodology at Invest4Kids
Honest. Clear. For you and your child.
When you invest money for your child, you want to know exactly where you stand.
That’s why we’re completely transparent about how we work, how we do our calculations—and what we don’t do.
No fine print. No tricks.
How we arrived at "€25,703 more per child"
This figure is based on a simple comparison:
| Comparison | Invest4Kids (ETF-based) | Traditional savings account |
|---|---|---|
| Savings rate | $150/month | $150/month |
| Duration | 18 years old | 18 years old |
| Assumed Return | 6% per year (market standard) | 0.1% per year |
| Result | approx. €58,700 | approx. €33,000 |
Difference: €25,703—simply by choosing the right investment vehicle.
Note: This is an example—not a guarantee or forecast. Actual performance depends on market conditions.
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 kept in mind:
The child is currently in training or pursuing a degree no income
There will be a Certificate of Non-Taxation (NV Certificate) requested
With ETF insurance, there is no Upfront fee (unlike with a brokerage account)
Note: Individual tax exemption depends on the specific circumstances. We do not provide tax advice.
Our Reviews
All published reviews are from parents who have personally used our counseling services.
We're collecting feedback:
immediately after the consultation (e.g., via WhatsApp or email)
via Trustpilot (with automated verification) and Google
about voluntary online surveys
The reviews were submitted voluntarily. No external formal verification of authenticity within the meaning of Section 5b(3) of the Unfair Competition Act (UWG) is conducted.
Why we use a 6% rate of return in our examples
The 6% is not a guarantee—but it is a realistic average.
Historically speaking the annual return on broadly diversified stock markets was - even during the worst periods – in the long term, at around 6% Return
We calculate deliberately conservative
The actual return depends on the product and market
Goal: a realistic, transparent basis for calculations
Bottom line: The 6% figure isn't optimistic—it's a conservative estimate. This is so you can clearly assess what's possible for your child in the long term.
How does our consultation work?
Our advice is:
Free & no obligation
tailored to your child's individual needs
no pressure to buy
We’ll take the time to work with you to find the solution that best fits your family’s situation—whether it’s an ETF insurance plan or a children’s investment account.
How do we make money?
It's simple: If you choose a solution, we will receive a commission from the product provider. The costs for you are No additional or hidden costs.
Our recommendation is always based on what is best for your child in the long run.
What we DO NOT do:
This is not tax or legal advice
No blanket recommendations without a personal assessment
No promises of returns or guarantees
What we do:
To provide you with clarity, peace of mind, and long-term prospects—on equal footing and with genuine expert knowledge.
Why you can trust us
We are No anonymous comparison tool – but 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 are right for your family.
Germany's leading consulting firm for investments in children.
With ❤️ for families and a clear goal: To give your child true financial freedom later in life.