Investing for children

Name: findependent
Brand: findependent
Rating: 4.9 (106 reviews)

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 low-cost ETFsApp investing for children is much more rewarding than saving in a bank account.

By the way, our children’s account has won a Swiss ETF Award!

Try findependent for free

Investing for children

Save cleverly 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?

With our low-cost ETFsApp investing for children is much more rewarding than saving in a bank account.

By the way, our children’s account has won a Swiss ETF Award!

Try findependent for free

Profit from the long-term positive development on the financial markets

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.

Our simple and transparent investment principles are:

Long investment horizon – to reduce fluctuation risks
Broad diversification – to avoid cluster risks
Buy and hold – to prevent “busyness”

Profit from the financial markets

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.

Find out more about our investment principles here.

Full Flexibility and Control

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.

Fee waiver for your first 2,000 francs. After that, 0.4% of the investment amount per year (or less, you can find the fees in detail here).

Full Flexibility and Control

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.

Fee waiver for your first 2,000 francs. After that, 0.4% of the investment amount per year (or less, you can find the fees in detail here).

How you can invest for your child

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.

Get findependent!

How you can invest for your child

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.

The difference to a savings account can be quite large

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.

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.

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.

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

Profit from the long-term positive development on the financial markets

Profit from the financial markets

Full Flexibility and Control

Full Flexibility and Control

How you can invest for your child

How you can invest for your child

The difference to a savings account can be quite large

Investment term

Start amount

Monthly deposit

Yearly deposit

Investment solution

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!