The clever way to save for your children in Germany

Discover Clever Ways to Invest in ETFs for a Safe & Secure Financial Future for Your Kids

Raising children can be expensive, but early financial planning can help generate the necessary funds, safeguard their access to student stipends, and save on taxes.

The practical benefits of a Pensionfriend Kids ETF Saving Plan are:

• Parental Control: You control the plan until your child is mature enough to take over.

• Stipend Eligibility: Maintain their eligibility for student stipends by passing the assets to them at a later age, ensuring they stay below the maximum asset threshold.

• Tax Efficiency: Reduce taxation on capital gains if your kids withdraw the money after age 18 when they have no income.

• Versatility: The plan can be used for grandchildren, godchildren, and others.

• Inheritance Benefits: Children inherit the portfolio value without being subject to capital gains if you pass away.

• Home Loan Collateral: Your kids can use up to 70 % of the plan's value as collateral for a future home loan, allowing them to accumulate value for retirement while benefiting from tax advantages.

• Low Cost & High Returns: Enjoy a low-cost, disciplined investment approach, free rebalancing, app access, and annual market reporting.

In other words: Investing in our Kids ETF Savings Plan ensures a hassle-free, low-cost, and high-return investment for your child's future. Protect their eligibility for student stipends by delaying asset transfer, or allow them to use the plan for tax-free compounding savings if withdrawals are below their tax threshold.