Saving for children – This options You
have If you want to create money or save, has a lucrative goal in mind. Here we present to You the investments are worth currently, if You want to save for your children:
What sounds like a risk, is often the best choice: equity Fund . This is a whole bunch of shares, which will reduce the risk. Because losing a share of the bundle of value that can be compensated this loss by the other shares.
This is a so-called Depot needed to be able to share buy. Watch special Junior-vaults, because these close to risky securities and the risk of losing money is reduced. The Depot-a comparison of FOCUS Online (display) you can now Find your suitable Depot in the comparison
Alternatively, You can also set up a fixed Deposit account for your child. Here, a certain amount can be created for several years, and later for the child to use. The longer this money is invested, the higher the interest rate falls. You should, however, first of all, some of the deals compare, to achieve the best rate of interest. With FOCUS Online, the best money provider to find (display) To the current fixed-term Deposit comparison!
A more flexible model, the money market account . Here smaller amounts, which originate, for example, by the godparents or grandparents, deposited, and can be created again and again. In addition, in the short term, are also raised needed money for the child. With FOCUS Online (to the display) daily allowance comparison in 2020: Here are the Top interest rates
compare to this are of course very high, especially in times of low interest rates. Nevertheless, you have a great deal of flexibility, which can be for many parents Save for their child attractive.
another way the interest-based account of the child . This provides that the pocket will not be paid money to the child on the bar, but on the child’s account will be transferred. So the child learns to deal with an account and their own money. Add to this a low interest rate, but it can be in some Ortsbanken up to 3%.
Popular is to Save money for children, so-called ETF-saving plans are . ETF means Exchange traded Funds. These represent the price development of a share index, and are also called passive equity funds. They are of the Stiftung Warentest recommended even for Saving for children. The ETF savings plan comparison of FOCUS Online (display) you will Find the right ETF savings plan, in comparison
The ETF savings plan can be deposited and monthly smaller amounts. In addition, You stay flexible, since the savings can be adjusted rate. René wants to return: So you can give your child to the age of 18. nearly 90,000 euros from the state FOCUS Online René wants to return: So you can give your child to the age of 18. nearly 90,000 euros from the state
Save up for children – You should in advance of concerns
When it comes to Saving for children, is generally treated with caution. Finally, a certain sum is to be saved, the child later in the study, or the cost of a car-driving license benefit. You should, therefore, before the election, the money plant note:
would You Like to in the long term for Your child to save, You should this decision as soon as possible to meet and put it into practice. As interest rates are currently low, there is a particularly long-period of time is important. The longer the duration, the more it can be in the rule part.
it is Important to compare as many offers to make the most lucrative interest rate to find. However you should select, nevertheless, a Bank in the EU. Because in the event of a Bank failure, the money is protected only within the EU, with the Deposit guarantee.
access In any case You should as a financial investment for your child a Savings account. This now offers as low interest rates, that it is significantly below the rate of inflation. This means that the invested money is virtually worth nothing.
a savings contract is for Saving for children rather unsuitable. He is not only inflexible, but also often with high fees.
