Investing for children

Name: findependent
Brand: findependent
Rating: 4.9 (120 reviews)

Invest smart into the future with our investment solution

You want to create a financial cushion for your children, godchildren, or grandchildren so they can start their adult lives with a tailwind? Whether as a contribution for their first car, their own apartment, or an unforgettable trip around the world – with our investment solutions made of low-cost ETFs, saving for the next generation simply makes more sense than a measly savings account.

We accompany you effortlessly: you lay the foundation, and we ensure that the money can grow steadily over the years. Our Swiss ETF Award confirms that this is not only clever but also works brilliantly.

Try findependent for free

Investing for children

Be smart for their future

Would you like to save a nest egg for your child or godchild/grandchild so that they can start their adult life without financial worries later on?

You want to create a financial cushion for (your) children? With our investment solutions made of low-cost ETFs investing for children is much more rewarding than saving in a bank account.

Our Swiss ETF Award confirms that this is not only clever but also works brilliantly.

Try findependent for free

Time works for you and for the kids

If you start investing money for a child early on, you have an unbeatable ally: time. Investing for children usually means a very long investment period and allows you to relaxed-ly ride out short-term market fluctuations. Your investments, just like the children, have all the freedom to develop. The longer you leave the money invested, the greater the chance of an attractive return. In the past, anyone who invested, for example, in the Swiss stock market for at least 10 years, made a profit in 97% of the cases.

For your investment solution, we apply our proven principles while you can sit back and relax:

Long investment horizon: The longer the money works for the child, the more you profit from the long-term upward trend of the financial markets.

Strong diversification: We don’t put all our eggs in one basket. We invest globally and broadly supported, with a focus on Switzerland.

Buy and hold: We keep our calm instead of acting hectically. This passive style might sound boring, but it is very cost-efficient. This leaves more return for you and the children.

“How it works” tells you more about our investment principles.

Time works for you and for the kids

If you start investing money for a child early on, you have an unbeatable ally: time. In the past, anyone who invested, for example, in the Swiss stock market for at least 10 years, made a profit in 97% of the cases.

Discover the principles behind your investment solutions.

Full Flexibility and Control

From 500 francs: You can start our investment solution for children with as little as 500 francs. You are free to invest more or withdraw at any time.

No obligation: You can pay in regularly or irregularly. There is no obligation or minimum amount. We automatically invest every additional 50-note.

Flexible handover: Legally, the investments belong to you. You choose the time of handover. Upon reaching adulthood or only after graduation or completion of an apprenticeship.

Free of charge: We give you the fees on the first 2’000 francs for free. After that, you invest for a fair 0.4% per year, or even less. You can find our fees in detail here.

Full Flexibility and Control

From 500 francs: You can start our investment solution for children with as little as 500 francs. You are free to invest more or withdraw at any time.

No obligation: You can pay in regularly or irregularly. There is no obligation or minimum amount. We automatically invest every additional 50-note.

Flexible handover: Legally, the investments belong to you. You choose the time of handover. Upon reaching adulthood or only after graduation or completion of an apprenticeship.

Fee waiver for your first 2,000 francs. After that, you invest for a fair 0.4% per year, or even less. You can find our fees in detail here.

Investing for children – how it works

Get started within 10 minutes

Open your findependent account in your own name in just a few minutes. Together, we will find out what type of investor you are and select your first investment solution.

Create new goal

Add a separate investment goal for each child in the app. Legally, the investments belong to you, so you maintain full control at all times.

Deposit

You can get started with as little as 500 francs. After that, you can pay in at any time, whether regularly or irregularly.

Transfer investment

Once the child is of age, they can open their own findependent investment solution. As soon as you want to gift the money, you can trigger the transfer directly in the app. We’ll take care of the rest.

Boost the savings for the kids

Investing for children – how it works

Get started within 15 minutes

Open your findependent account in your own name in just a few minutes.
Together, we will find out what type of investor you are and select your first investment solution.

Create new goal
Add a separate investment goal for each child in the app.
Legally, the investments belong to you, so you maintain full control at all times.

Deposit

You can get started with as little as 500 francs.
After that, you can pay in at any time, whether regularly or irregularly.

Transfer investments

Once the child is of age, they can open their own findependent investment solution.
As soon as you want to gift the money, you can trigger the transfer directly in the app. We’ll take care of the rest.

The difference to a savings account can be quite large

On a children’s savings account, the money tends to sleep rather than grow. Since there is hardly any interest, the savings even lose value over the years due to inflation. When investing, on the other hand, you let the money work actively.

Find out what’s possible: Use our calculator and see for yourself how big the difference between “simply saving” and “cleverly investing” can be after 10, 18, or 25 years.

Investment term

Start amount

Monthly deposit

Yearly deposit

Investment solution

Your advantage with findependent* CHF 0

* We calculate with 0.25% interest on the savings account and for the forecasts the past performance based on index data, minus management fee, custody fee and ETF costs since 2005 is used (net return). It is not a guarantee for the future market performance. The actual asset value achieved may differ significantly from the forecasts.

On average, our clients thus deposit roughly 20,000 francs by the time their children reach adulthood.

Thanks to the findependent investment solution, the assets can nearly double this amount.

Good to know: In order to set up the investment solution for the child, we require a starting amount of at least 500 francs. After that, we automatically invest every further deposit from around 50 francs. Of course, you can also pay in smaller amounts at any time – we then simply collect the money in the account and invest it for you as soon as enough has accumulated.

Popular with young and old

The numbers show that our investment solution for children is well-received – and we’re a little proud of that:

Over 7’000 children’s accounts: We already manage well over 7’000 accounts for the next generation – and more are being added every day.

Trust across generations: 60% of our clients don’t just use findependent for the children, but also have us manage their own money.

Investment
solutions chosen:

43% Risky
(Equities 99%)

33% Brave
(Equities 80%)

18% Balanced
(Equities 60%)

6% Careful & Cautious

Who invests
for children:

68% men

32% women

This closely reflects the gender distribution of our overall customer base of over 20’000 clients.

How much is
deposited per year?

Initial deposit approx. 1’200 francs

Top-ups 5 times per year

~200 francs per subsequent deposit

How many investment
goals for children are there?

over 7’000 active investment goals for children

70% of our clients manage more than one child’s investment goal

Our webinars: Everything about investing for the little ones

Do you have some questions left or would you like to get to know us first? In our webinars, Shari and Kay take the time for you and show you how easy investing for children can be. Here’s what’s on the agenda:

The head start: Why time is your best friend when investing for children.

The strategy: How to find the right mix for a long period of time.

Live check: We’ll show you directly in the app how to create a new goal for a child and get started.

Law & order: Everything you need to know about the later handover.

Your stage: In our Q&A session, we answer your individual questions.

You can find the next dates and registration on our events page.

This is how easy it is to invest in a child

Open a findependent account in your own name, create a separate investment goal for the child, and off you go! Let the money grow over many years. Later, you can hand over the investment solution in a relaxed manner or simply withdraw the money.

Get findependent!

FAQs – questions and answers on investing for kids

Does the minimum investment amount apply per investment objective?

Yes, the minimum investment amount of CHF 500 applies per investment objective.

Can grandparents pay into my child’s investment goal?

As soon as the initial deposit has been made from your own bank account, grandparents, godparents and godfathers can also pay directly into your child’s investment goal.

How do I proceed if I want to invest for multiple children?

We recommend that you open a separate investment goal for each child. This allows you to keep better track and manage each goal individually. As the findependent fees always apply to the total investment amount across all goals, multiple goals are not more expensive.

You open a first investment goal when you register. If you wish, you can then personalize the goal name. Simply click on the name of the investment goal to go to the ‘Your goal in detail’ page. From there, you can click directly on the image to change it and then freely choose the title.

You can easily open additional investment goals in the app by clicking on the green plus sign. You can also find more information in our video here.

What happens when the child comes of age?

You decide whether, when and in what form you want to hand over the invested money to the child. There is no legal obligation. You can do so after your child’s 18th or 20th birthday or when they graduate – whatever fits best from your point of view.

Either way, you can either sell the investments and transfer the money directly or you can encourage the child (at least 18 years old) to start making smart investments themselves. We will then transfer your investment solution directly to the child. Free of charge, of course.

Investing for children

Invest smart into the future with our investment solution

Time works for you and for the kids

Time works for you and for the kids

Full Flexibility and Control

Full Flexibility and Control

Investing for children – how it works

Investing for children – how it works

The difference to a savings account can be quite large

Investment term

Start amount

Monthly deposit

Yearly deposit

Investment solution

On average, our clients thus deposit roughly 20,000 francs by the time their children reach adulthood.

Thanks to the findependent investment solution, the assets can nearly double this amount.

Popular with young and old

Our webinars: Everything about investing for the little ones

FAQs – questions and answers on investing for kids

ETFs

It pays to start early and, above all, to hold your investments for a long time!