Every extra year gives children’s savings more time to grow. The sooner you start, the greater the head start your child can get in life.
Model example, actual amounts depend on the size and duration of investing.
Being a good parent is already enough work on its own. We’ve created a children’s account that requires no financial education or hours of study.
Get started in minutes
Opening an account for children is done online with no paperwork whatsoever.
Discounted fee
The fee is lower than for a standard account, so more money stays invested.
On your own terms
You can adjust the amount and frequency at any time to suit your circumstances.
We’ll help you with investing
Getting started is easier than you think
1.
Tell us your plans
Through a short questionnaire, we’ll find out your plans and what you expect from investing.
2.
We’ll suggest investments for you
Based on your answers, we’ll present investments that match your needs.
3.
Your money starts working
Send your first deposit, we’ll buy investments for you and take care of them on an ongoing basis.
What would you like for your child?
Choose a goal you’d like to help your child achieve. The calculator will show you how much you need to invest to get closer to it.
Choose one option and continue.
For your children’s future
Money invested in your child’s future deserves more than sitting in a bank account. We invest it in thousands of companies around the world so your money has the chance to grow long-term.
Open a children’s accountLower fee
We charge less for children’s accounts. So more stays for the child.
The investments belong to the child
You manage the account, but the investments are held in the child’s name.
Contributions from relatives
Family members and friends can also make deposits to the children’s account.
On your own terms
You can invest regularly or as a one-off, it’s entirely up to you.
More stable investing
Because you invest in thousands of companies, you’re not threatened by the fluctuation of one company or sector.
When the time is right
When the child reaches adulthood, the investment account passes into their control.
Lower fee
We charge less for children’s accounts. So more stays for the child.
The investments belong to the child
You manage the account, but the investments are held in the child’s name.
Contributions from relatives
Family members and friends can also make deposits to the children’s account.
On your own terms
You can invest regularly or as a one-off, it’s entirely up to you.
More stable investing
Because you invest in thousands of companies, you’re not threatened by the fluctuation of one company or sector.
When the time is right
When the child reaches adulthood, the investment account passes into their control.
TIME TO START
The sooner you start, the longer the money can grow for your child. And it often takes less than you think.
Time works in your favour
The biggest advantage of a children’s account isn’t the amount you invest, but more time. And time plays a crucial role in investing.
Flexibility for life’s changes
Life can’t be planned in detail. That’s why you can set the frequency and amount of deposits flexibly to suit your circumstances.
Financial literacy in practice
Children can have their own access to the Direct Fondee app and track how their investments are developing.
The investments belong to the child
A children’s account is opened by a parent or other legal guardian. The child has their own access, so they can track how their investments are doing and gradually learn to manage money. At 18, the account passes into their control and they decide whether to withdraw some or all of the money, or keep it invested.
Multiple goals on one account
You can open up to 3 portfolios for one child with different investment strategies. Not just parents, grandparents and other loved ones can also contribute. Fondee clients can contribute to children’s portfolios without limit. If someone who is not a Fondee client contributes, the limit is CZK 23,000 per year from one bank account.
Access to the money earlier
If you need to withdraw the money earlier, you can withdraw up to 10 % of the portfolio value per year without penalty. For larger withdrawals, we will calculate the difference between the discounted children’s account fee and the standard fee of 1.09 % per annum. The money will arrive in your account within a week.
All you need is CZK 500 to get started. You set your own monthly contributions - flexibly according to your means. No minimum, no maximum.