Transparency & methodology at Invest4Kids
Honest. Sure. For you and your child.
When you invest money for your child, you want to know where you stand.
That's why we openly show you how we work, how we calculate – and what we don't do.
No fine print. No tricks.
How we arrive at "€25,703 more per child"
This figure is based on a simple comparison:
| Comparison | Invest4Kids (ETF-based) | Classic savings book |
|---|---|---|
| Savings rate | 150€/month | 150€/month |
| Runtime | 18 years | 18 years |
| Yield assumption | 6% p.a. (standard market rate) | 0.1% p.a. |
| Result | approx. 58.700€ | approx. 33.000€ |
- Difference: €25,703 - just by making the right investment.
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 taken into account:
- The child hasno income during training/studies
- Anon-assessment certificate (NV certificate)is requested.
- In ETF insurance, theupfront feedoes not apply (unlike with securities accounts).
Note: Individual tax exemption depends on the specific case. We do not provide tax advice.
Our ratings
All published reviews come from parents who have personally used our counseling services.
We collect feedback:
- directly after the consultation (e.g. via WhatsApp or email)
- via Trustpilot (with system-supported authenticity check) and Google
- via voluntary online surveys
The reviews were submitted voluntarily. An external formal authenticity check within the meaning of Section 5b (3) UWG does not take place.
Why we expect a 6% return in our examples
The 6% is not a guarantee - but a realistic average value.
- Historically,the annual return on broadly diversified stock markets— even in the worst periods—has been around6%over the long term.
- We deliberately takea conservative approach to our calculations.
- The actual return depends on the product & market
- Goal: a realistic, comprehensible calculation basis
Conclusion: The 6% is not optimistic—it is a cautious estimate. This allows you to clearly assess what is possible for your child in the long term.
How does our consultation work?
Our advice is:
- free of charge & non-binding
- Individually tailored to your child
- without sales pressure
We take the time to work with you to find the solution that best suits your family situation—whether it's ETF insurance or a children's securities account.
How do we earn money?
Our recommendation is always based on whatis bestfor your childin the long term.
What we do NOT do:
- No tax or legal advice
- No blanket recommendations without personal analysis
- No promises of returns or guarantees
Why you can trust us
We arenot an anonymous comparison calculator—we are real people with real experience.
We areadvisors with heart and mind, specializing in what really matters: your child's financial future. We don't focus on products, but on long-term solutions that suit your family.
Germany's leading consulting firm for investments in children.
With ❤️ for families and a clear goal: To give your child real financial freedom later in life.
