Often the desire to save will fail, because you do not want to restrict. The children's money from the state, however, practically as a gift. You must absparen so nothing, but can use the money freely. Who creates the 204 Euro kids money properly, can leave to his child later on, a hefty sum.

The money for the children's money-vault is not, of course, a savings book. This would not bring much. The 204 euros are invested every month in a savings plan. The best thing is You choose an ETF on a broad Index. For example, the MSCI World index, which includes 1,600 companies (Here's your ETFs on the MSCI World).

ETF short

declares a Brief explanation: An ETF tracks the performance of an Index. The Index increases by one percent, then the ETF is a percent value. The Index falls by one percent, the ETF as well. An Index, in turn, the course summarizes the development of different companies that comply with determined conditions. The Dax includes, for example, the 30 German companies with the largest market. The Dow Jones tracks the development of the 50 largest U.S. values. There are also indices that represent the development not only of pharmaceutical companies or commodity companies or Tech-values. If you are interested in a specific investment theme, does not have to search for individual values, but use an ETF to the performance of an Index.

The Fund. The difference between the ETF and Fund: a Fund expert, is responsible for the selection of the shares, the composition of an Index, an ETF represents, is carried out according to certain rules. His work the expert, however, pay for it. Therefore, the fee for the Fund is significantly higher than in the case of ETFs. The hope is, however, that the Manager performs due to his experience in the choice of the stock better than the Computer. Nothing

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From the children's money is a great gift

What comes out of it? Assuming a rate of return of seven percent a whole lot. Seven percent is not much. As much as the Dax has done on average over the last few years. The MSCI World managed quite a lot more. If this trend continues, up to 18. Birthday of the child in the children's money-vault collects a total of almost 90.000 euros. The Depot-a comparison of FOCUS Online (display) you can now Find your suitable Depot in the comparison

But it can be even more. In the case of an education or training course, the state pays the kids money for seven years longer. In this case, are to the 25. Birthday in the vault, even over 165,000 euros. The FOL

save: With almost four million euros in pension

And now it gets really interesting. Although there are from 25. Birthday none of the children's money. But the child could Deposit more yourself. With 50 would then become of the money of 1.1 million euros. And holds the child up to retirement, it offers over 3.7 million Euro. FOL

show The example calculations, which can be everything with a bit of discipline out of a small sum to make.

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Date Of Update: 23 February 2020, 01:00