The birth of a child is one of the most beautiful moments in life - full of joy, hope and great wishes. But with a new life comes greater responsibility: parents and grandparents not only want to give their offspring love and security, they also want to lay a solid financial foundation. At the latest when the first thoughts of a driving license, university studies or their first home come to mind, it becomes clear that provision is not a luxury, but a real relief for later adult life.
Many families ask themselves: How much money should I save for my child? And: Which investment options really make sense at a young age? That's exactly what this article is about. You will receive specific tips, calculation examples and an overview of sensible forms of investment - from traditional savings accounts to call money and ETF savings plans. And we'll show you how you can gradually build up assets for your child with a well-thought-out savings goal - without any pressure, but with plenty of foresight.
We'll help you find the right investment for your child!
What does a child cost - today and in the future?
Children enrich our lives - not only emotionally, but also financially. According to recent studies, the average amount parents spend on their child is around 763 euros per month. Over 18 years, this adds up to more than 165,000 euros - and that doesn't even include extras such as a year abroad or a driving license.
👉 A look at typical costs:
- Leisure & hobbies: music school, sports club, tutoring
- Technology & media: smartphone, laptop, educational software
- Education & training: tuition fees, travel costs, books
- Home & relocation: Initial equipment for your first home
Expenses often increase abruptly, especially when it comes to adult life. Whether it's a bachelor's degree, your first car or living in another city - it all costs money. And that's exactly why it's worth building up a little cushion early on. Because the better prepared you are, the more freedom you can give your child. And that's what it's all about in the end: fulfilling dreams instead of worrying.
What is a realistic savings goal for your child?
Not everyone can put aside 500 euros a month - and that's not necessary. The important thing is that you set yourself a clear savings goal that suits your family, your wishes and your possibilities. Whether you want to save for your studies, your driving license or simply for a secure start to your adult life - it helps enormously if you have a goal in mind.
💡 Exemplary savings targets:
- 5.000 €: Driving license or first experience abroad
- 15.000 €: Start of studies incl. apartment & relocation
- 25,000 €+: Long-term asset accumulation
Of course, the amount you need to save also depends on the age of your child. The earlier you start - perhaps right at birth or on World Savings Day - the more you can achieve with small monthly contributions. And if grandparents or godparents join in, the account will grow even faster.
💬 Tip: It's better to hold out for 25 euros a month than to start with 100 euros and stop after a year. Regularity beats perfection.
How much should you save each month?
What's the point of having a clear goal if you don't know how to achieve it? Good news: you can save for your child even with small amounts - and effectively. Even 25 euros a month can develop into a considerable sum over the years with the right investment.
📊Example calculation (at 6 % return p.a.):
- € 25 per month → approx. € 9,800 in 18 years
- 50 € per month → approx. 19,600 €
- 100 € per month → approx. 39,200 €
The magic word is compound interest. The longer your money works for you, the more your assets grow. The so-called cost-average effect also helps: by regularly investing a fixed amount, you automatically fluctuate less with the market - ideal for an ETF savings plan or other fund-based solutions.
🧠 Remember: It's not the amount that counts, but sticking with it. If you save continuously, you are laying the financial foundations for your child's wishes and goals step by step - regardless of whether it's for university, a car or a relaxed first year after graduation.
Which forms of saving are suitable - and what suits you?
The range of options for saving for a child is huge - and can seem overwhelming at first. Whether you're more security-oriented or looking for long-term returns, there are suitable solutions for every family and every risk tolerance. It's important that you understand what's behind the investment options - and what suits your goals.
🔍 O verview of popular forms of saving:
Savings book / call money account:
- Simple, secure, always available
- But: Hardly any interest → Inflation loss
✔ Fixed-term deposit account:
- Fixed term, fixed interest
- Good planning security, but inflexible
ETF savings plan / fund:
- Ideal for long-term wealth accumulation
- Higher potential returns with moderate risk
- Low costs, flexible savings rate
✔ Insurance-based solutions:
- Combination of savings plan and insurance cover
- Tax advantages and protection against changes in the law
- Often with guaranteed conditions (condition assurance)
Finding the right investment for your child
Think about time - the younger your child, the more worthwhile a high-yield investment is. This is because the market usually balances out fluctuations over many years. If you are looking for a little security, a good combination is also possible: e.g. 70% ETF, 30% call money.
In the end, it's not about finding the perfect solution - it's about finding one that suits your life, your child and your savings goal.
We'll help you find the right investment for your child!
- An additional $25,703 per child, thanks to our modern ETF strategy
- Find the perfect ETF investment for your child in a 30-minute video conference from the comfort of your own home.
- Sit back and watch your child's assets grow – our experts will take care of the rest.
The Invest4Kids concept: pension provision with a plan, heart and mind
Many parents or grandparents initially opt for a traditional custody account or an ETF savings plan in the child's name. But the Invest4Kids concept offers more than just an investment: it is a pension solution specialized for children - with personal advice and a well thought-out concept.
💡 What sets Invest4Kids apart:
- Entry from 25 euros per month
- No custody account fees, no transaction costs, full transparency
- Tax exemption for strategy changes → more net from gross
- Right of determination from 18: You decide when your child gets access
- Condition protection: protection against changes in taxes and costs
- Flexible savings rates: Adjust, pause or make a one-off payment at any time
🎤 What parents say:
"It was clear to us that we didn't want to suddenly leave our child alone with a large amount of money at the age of 18. With Invest4Kids, the money stays safe - until we say it's time." - Carina, mom of Elias
"At last a consultation that doesn't follow a standard procedure. We feel we are taken seriously and well looked after." - Markus, father of a daughter
Individual advice instead of blanket deposit recommendations
Invest4Kids combines wealth accumulation with emotional security - because it's not just about interest, but about giving your child real opportunities later on.
Mistakes you should avoid when saving for your child
Learning from typical mistakes
When it comes to "saving money for children", it's not just good intentions that count - implementation is also important. Many parents start out motivated, but unknowingly make mistakes that can cost a lot of money in the long term.
🚫 Typical tripping hazards:
- Start too late: The earlier you get started, the more interest and returns work for you.
- No savings target: If you don't have a target, you save haphazardly - which often leads to frustration or abandonment.
- Focus only on security: Savings accounts and call money provide security, but no future.
- Underestimate costs: Fees are incurred especially when changing custody accounts or products.
- Do not use advice: People often don't invest at all due to uncertainty.
💬 Tip: Set yourself a fixed savings rate, choose a suitable form of investment and think about how much risk you want to take - good advice will make the choice much easier. This way, you can turn a good intention into a well thought-out investment for your child.
Parents report: Why good planning pays off
Real stories create trust
Nothing is more convincing than real-life examples. Many families who save with Invest4Kids report a completely new sense of security - and the good feeling of having done something for their child.
🎤 Voices from the community:
"Our goal was for our son to be able to study without having to borrow money. Now we're on the right track." - Laura, mother of a ten-year-old
"I've opened an account for my grandson and paid in 50 euros a month. He doesn't know anything about it - it will be a surprise for his 18th birthday." - Heinz, Tim's grandpa
These stories show: It's not just about wealth, but about what you make possible with it. A good education, a new home or simply a relaxed start in life - that's real provision with heart.
Big dreams need a strong financial start
Saving for children is more than just a financial issue - it is an expression of love, foresight and responsibility. Whether you put aside 25 euros a month or regularly invest larger amounts: every step counts when it comes to helping your child or grandchild get off to a good start in life.
With the right savings goal, a well thought-out investment and a concept that suits you, you can build up valuable assets for your child or grandchild - without stress, but with a plan. The earlier you start, the more impact interest and returns will have over the years.
And the best thing is: you don't have to walk this path alone.
👉Get free advice now and find out how you can make simple, flexible and sensible provisions with Invest4Kids. For your child. For their wishes. For the big dreams that are yet to come.
Because your child deserves the best - and you have the best plan to support them.
We'll help you find the right investment for your child!
- An additional $25,703 per child, thanks to our modern ETF strategy
- Find the perfect ETF investment for your child in a 30-minute video conference from the comfort of your own home.
- Sit back and watch your child's assets grow – our experts will take care of the rest.
