Everything worth knowing before you start.
Where is the money invested?
In one fund that tracks a global equity index — thousands of companies from dozens of countries: from tech giants to banks, manufacturers and retailers.
That means nothing depends on a single company or a single country. If one company struggles, it makes up only a small part of the portfolio.
The fund doesn't try to guess which shares will rise — it simply holds all of them in proportion to their size in the market. When a company grows, so does its share of the fund.
No need to follow the news or pick anything. You make the decision once.
Why just one fund?
Most platforms offer dozens of funds and risk levels. It sounds like freedom, but for most parents it becomes a roadblock — when you can't tell one option from another, it's easiest to put it off.
So we chose one fund. The same one for every child. And for our own.
Whose name is the account in?
The account is opened in the name of a parent or guardian, but it's meant for the child. You manage it — you top it up, set the contribution and see the portfolio.
This means that until the child turns 18 the money legally belongs to you and you can withdraw it at any time. The product relies on your own decision that this money is for your child.
By signing the terms, you agree in advance that when your child turns 18, the rights to the account pass to them.
What if the markets fall?
Investing is not saving. In some years the portfolio will be worth less than you put in. That's how markets work.
Falls are as normal a part of investing as growth. They happen regularly, but the longer you invest, the more the swings even out and the overall direction is what matters.
What should you do when the portfolio falls? Nothing. Contributions continue automatically. The worst thing you can do is pull out at the lowest point and turn a temporary dip into a real loss.
How much does it cost?
1% a year of the portfolio value and €1 a month for account administration.
Example: for a €5,000 portfolio that's €50 a year plus €12 — about €5.20 a month.
On top of that there's the fund's own fee, charged by the fund manager, not by us. It is deducted inside the fund and is one of the lowest on the market.
What we don't charge for: opening an account · closing it · each transfer · changing or pausing your contribution
What happens at 18?
On their birthday, the rights to the account pass to your child. From that moment they make the decisions — they can keep investing, stop contributions or withdraw the money.
Can other relatives contribute?
The account is opened and managed by the parents, but others can contribute too. Grandparents, godparents, aunts and uncles — for a birthday, christening or name day, or for no reason at all.
Every contribution goes into the same account. You'll see who contributed and when, and over time your child will see that their fund was grown by more than one person.
In total, up to €1,500 a month can be paid in for one child — a limit set by anti-money laundering requirements.
A contribution gives no rights to the account. It is managed by the parents and taken over by the child at 18.