Guides

Saving for your child, explained calmly

Clear articles on saving and provision for your child. No jargon, no sales pressure, no return promises. Understand first, then decide.

All articles

How to save best for your child
The overview of every step, with links to the details. The best place to start.
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How much should you save each month?
There is no flat number, and that takes off more pressure than you would think. A calm look at what really matters and why small amounts add up.
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Saving from birth: a calm start for your baby
Why an early start is worth so much, how small amounts work, and how to put gift money to good use.
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Investing gift money for your child
Money for a birth, christening, or birthday often stays in the envelope. Here is how to turn it into something real over the years.
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Is a savings account still worth it?
Familiar and safe, but over many years one question matters. A calm take, without talking your savings account down.
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Saving for your child as a single parent
Building provision on a small budget, without the struggle. Why starting small is completely fine and you owe no one an explanation.
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When should you start saving? The earlier, the calmer
The honest answer: ideally now, whatever your child's age. Why early matters so much, and why it is never too late.
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Saving for a grandchild or godchild: a gift that lasts
As a grandparent or godparent, give something lasting: how to coordinate with the parents and what to keep in mind.
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Saving for education, training, or a head start
Saving with a goal in mind: a driver's license, training, a first apartment. Rough ballparks and the path from goal to monthly rate.
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In the child's name or the parent's name?
The pros and cons of both paths for taxes, access, and availability, laid out plainly.
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Is there government support for saving for your child?
An honest look at Riester allowances, employer savings benefits, child benefit, and the child's own personal allowances.
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Is saving for your child tax-deductible?
The honest answer, and what actually helps with taxes: the child's own allowances on the returns.
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Child-rearing periods for your pension (V0800)
How raising your child boosts your own pension, and how simple the V0800 application really is.
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