Save cleverly for their future with an investment solution
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? Or would you like to pay a large sum for a car voucher, your first flat or a language course on your 18th birthday?
With our investment solutions made up of low-cost ETFs saving for children is much more worthwhile than saving in the bank account.
Investing for children
Save cleverly for their future with an investment solution
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? Or would you like to pay a large sum for a car voucher, your first flat or a language course on your 18th birthday?
With our investment solutions made up of low-cost ETFs saving for children is much more worthwhile than saving in the bank account.
If you start investing money for the child at birth or in the first years of life, you have a very long investment horizon until the child’s 18th birthday. This means you can let the investments grow over many years and don’t have to worry about temporary price fluctuations. 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.
If you start investing money for the child at birth or in the first years of life, you have a very long investment horizon until the child’s 18th birthday. This means you can let the investments grow over many years and don’t have to worry about temporary price fluctuations. 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.
You can start with as little as CHF 500 and are free to invest more for the child or withdraw the money again at any time.
findependent is ideal for regularly depositing a savings amount, e.g. by monthly standing order.
The investments are legally yours until you later transfer them to the child or withdraw the money to gift it in cash.
You can start with as little as CHF 500 and are free to invest more for the child or withdraw the money again at any time.
findepend is ideal for regularly depositing a savings amount, e.g. by monthly standing order.
The investments are legally yours until you later transfer them to the child or withdraw the money to gift it in cash.
Register
Open a findependent account in your name. Create your personal risk profile and choose an initial investment solution.
Create new goal
Add an investment goal per (additional) child in the app. The investment solutions are legally yours – you have full control.
Deposit
Deposit towards the investment goal and let the investments grow over the years. You start from 500 francs and can deposit or withdraw more on an ongoing basis.
Transfer investment
As soon as the child is of age, he or she can open his or her own findependent account. From then on, you can transfer your investment goal’s assets to him or her free of charge.
Register
Open a findependent account in your name. Create your personal risk profile and choose an initial investment solution.
Create new goal
Add an investment goal per (additional) child in the app. The investment solutions are legally yours – you have full control.
Deposit
Deposit towards the investment goal and let the investments grow over the years. You start from 500 francs and can deposit or withdraw more on an ongoing basis.
Transfer investments
As soon as the child is of age, he or she can open his or her own findependent account. From then on, you can transfer your investment goal’s assets to him or her free of charge.
Savings accounts hardly pay any interest and the money loses purchasing power gradually over time due to inflation. By investing, on the other hand, you make more out of the savings for your child. Use our calculator to see what this can add up to over time.
Note: We require at least 500 francs to initially set up the investment solution. Further deposits are made from around 50 francs. The following applies to both: You can also deposit smaller amounts without any problems, in which case we will simply wait until enough money has accumulated before investing.
This is how easy it is to invest in a child
Open a findependent account in your name, create a separate investment goal for the child and off you go! Let the investments grow over many years and later transfer them to the child or pay out the money.
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.
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An ETF («Exchange Traded Fund») tracks the performance of an index such as the SPI (Swiss Performance Index).
For example, if you want to invest in the entire Swiss stock market, you can either buy all 213 equities of the SPI separately, which is very time-consuming and only possible with high assets (because, for example, one equity of Lindt & Sprüngli alone costs around CHF 100,000), or simply invest in the ETF «iSharesSPI Core». This ETF pools the money of many investors and uses it to buy the corresponding equities in the SPI. As the owner of an ETF share, you own a certain proportion of it and thus indirectly of all the equities in the SPI.
With just one ETF you can therefore invest in an entire market. ETFs are therefore proven investment products for building up a broad-based investment solution.
Because you do not select individual investments but invest in an entire market, investing with ETFs is considered a passive investment strategy. Since ETFs basically track an index 1:1, they also achieve the same return as the index. This contrasts with actively managed funds, which attempt to achieve a higher return than the benchmark index by focusing on particularly promising investments. However, active management incurs many costs. For this reason, most active funds demonstrably fail to outperform the benchmark after deducting all costs, especially over the long term.
To cut to the chase: ETFs are inexpensive and make it possible to invest widely diversified even with little money. This makes it easier for beginners in particular to invest money with ETFs.
This graph shows the probability of success (not making a loss) if you had invested in the Swiss stock market on any given day and held the investment for different durations:
Based on daily data for the Swiss stock market, measured by the Swiss Performance Index (SPI), in the period from 1990 to 2022.
Even though the financial markets have repeatedly gone through boom and crisis phases, they clearly rose in the long term. The probability of investment success is therefore strongly dependent on the investment term.
Those who invested for at least 10 years achieved a profit in 97% of cases. On average, CHF 1,000 turned into CHF 2,310.