Lisa and Tom dream of giving little Emma every opportunity. But they realize:
Prices keep rising, savings lose value and good
financial advice is not easy to find.
We help families with exactly that.
Save smart and sustainably for your child’s future with a plan,
that truly works in your favour.
Raising a child in Germany: What it costs and what you should save.
...that’s how much parents spend over the course of a child’s life - often without even noticing it.
| Initial Equipment | ca. 3,000 € |
| Baby Carriages and Furniture | ca. 3,000 € |
| Baby Clothes and Accessories | ca. 4,000 € |
| Diapers and Care | ca. 4,000 € |
| Daycare Center Fees | ca. 12,000 € |
| First hobbies & Activities | ca. 3,000 € |
| Toys & Clothing | ca. 3,000 € |
| School Materials | ca. 3,000 € |
| School Trips and Excursions | ca. 4,000 € |
| Hobbies and Clubs | ca. 5,000 € |
| Clothing and Shoes | ca. 6,000 € |
| Leisure and Vacation | ca. 10,000 € |
| Drivers License and Car | ca. 10,000 € |
| Lifestyle | ca. 7,500 € |
| Vacation and Hobbies | ca. 6,000 € |
| Graduation Trips | ca. 5,000 € |
| Cell Phone and Laptop | ca. 3,000 € |
| Study and Learning Materials | ca. 25,000 € |
| Year abroad | ca. 20,000 € |
| First Apartment and Furniture | ca. 10,000 € |
| World Trip and Experiences | ca. 10,000 € |
Cost of Living.
Surprised by the truth? You're not alone in this!
ETF4Kids shows you how to build sustainable wealth for your child step by step - with small monthly contributions that help you support every stage of their life. Simple, secure and sustainable.
Whether it’s a driver’s license, university, or their first apartment - it feels amazing to give your child a strong start in life.
Start TODAY from just 25€ a month and build the foundation for their financial future.
Calculate how much capital you can build for your child with our savings plans.
| Age | Amount paid in | Bank / Consultant | ETF4Kids |
|---|---|---|---|
| 18 | |||
| 25 | |||
| 35 |
Three paths, one goal: the best financial future for your child - here’s the honest comparison.
Our experts will guide you free of charge and show you how to make your money work effectively for you and achieve real returns.
The Result: You Become Your Child’s Hero!
See for yourself - there’s nothing to lose.
During your first free consultation, we’ll calmly walk you through how to build your child’s financial future step by step.
Completely free, with no obligations and a guaranteed Wow-moment.
ETF4Kids guides hundreds of expat families across Germany toward financial freedom and security - turning dreams into reality.
We took advice from Rocco both for our children and for ourselves. Up to now, I have always been critical of financial advice, because you don't naturally assume that the advisors simply want to profit.
With Rocco it was different, he took a very individual approach to our situation and advised us against products that weren't suitable for us but would have brought him a return.
You can also tell that he has in-depth knowledge of the financial sector.
He is always available and can also be contacted at short notice for appointments. His offers are very flexible and really fair.
He has even advised us free of charge in the meantime and we really like him as a person. I have recommended him directly to my circle of friends.
Top advice. Catered to individual needs. Very competent. Thank you
The boring subject of finance and taxes is suddenly fun. Thank you very much! My little Daniel will have no more problems fulfilling his dreams in the future :) I will gladly recommend you to others. How can I do that?
I am grateful to have met such wonderful people, thank you from the bottom of my heart, I hope to work with you for a long time, please keep up the wonderful work.
Outstanding service and excellent knowledge of the financial sector. Flexible, transparent, reliable and trustworthy professionals. Incredible efforts to make us understand how these financial instruments work! An asset for the future.
If there were six stars, I would award ETF4Kids.
Professionalism, friendliness and above all customer satisfaction are among their core values.
Our first conversation convinced me to invest in my children's future. I can therefore recommend ETF4Kids without reservation.
I had two consultations with Nabil Khan and the information was very clear and understandable. My consultant was enthusiastic and very knowledgeable and answered all my questions precisely and effectively.
I had the pleasure of working with Momo as my advisor at ETF4Kids and the experience was excellent. Momo provided customized advice that perfectly matched my personal preferences. His ability to explain everything clearly in English, as well as the flexibility to schedule sessions outside of regular working hours, made the process smooth and stress-free. I highly recommend ETF4Kids to anyone looking for thoughtful and personalized financial advice.
With ETF4Kids we help hundreds of families across Germany build long-term wealth for their children. Transparent, digital and with genuine care.
Even as a teenager, I had to learn how important financial education is. I was only able to do my year abroad in the USA because my parents had saved for me for years - this experience has shaped my life. Today, I bring my management background and my passion for finance to show families: You can achieve great things with a clear strategy and small steps.
As a father of three, I know exactly what it feels like to want to provide for your children's future. From an early age, I saw my mother being sold bad financial products - and that's what sparked my love of numbers and transparency. With my background in banking and economics, I now help parents to understand their finances clearly and get the best out of them for their children.
My journey into the world of finance began with an envelope full of share ideas - a gift that sparked my enthusiasm for investing. Since then, I have pursued one goal: to empower families to take their financial future into their own hands. As the founder of ETF4Kids, I combine an entrepreneurial spirit with the ambition to provide honest, independent and understandable advice.
Even as a child, I learned in my parents' restaurant how hard you have to work for money - and how important it is to use it wisely. Later, I gained experience in investment banking and international financial projects. Today, I use this knowledge to design simple and clear processes at ETF4Kids - so that parents can find a secure pension solution without stress.
My parents' investment made it possible for me to come to Germany to study - and this gift changed my life. Today, I want to pass on exactly this knowledge. At ETF4Kids, I mainly support families with an international background and help them to understand the German financial system. My goal is to give parents the security that their children can start the future strong and free.
I know what it feels like to start adult life without a financial cushion. This experience has shaped me - and it is the reason why I want to encourage parents today: start small, but get started. Because it will make all the difference for your child later on. At ETF4Kids, I get our message out there - with real stories and practical tips. My aim is to reach as many parents as possible who want to give their children a financially strong start in life.
For me, one thing has always mattered: creating clarity, structure, and a sense of ease - for the team and for the families we support. At ETF4Kids, I’m responsible for marketing, processes, and the structure. I make sure that our message is clear, our experience is smooth, and our team stays focused and supported. With a calm mind, a strategic approach, and a strong belief that balance is key, I help create the foundation that allows us to deliver guidance with heart and precision.
I’ve always cared deeply about being there for others and taking responsibility. As the Executive Assistant at ETF4Kids, I support the team behind the scenes and ensure that everything runs smoothly, with structure, attention to detail, and a lot of heart. With an open ear, strong commitment, and a genuine eye for detail, I help make sure families feel supported and understood. Because trust, clarity, and a good feeling are essential foundations for long-term decisions - especially when it comes to a child’s financial future.
When I think back to my studies, I see one thing above all: my mother. She is self-employed and paid for everything from her own income - my rent, my life, my studies. I'm still incredibly grateful to her to this day. But looking back, I also know that it would have been so much easier for both of us if she had built up savings for me early on. This experience still shapes me today. It shows me how much children and parents benefit from thinking about the future early on. That's exactly why I chose ETF4Kids.
My parents came to Germany as young students and worked hard to build a new life from scratch. As the first “German generation,” I learned early on what it means to take responsibility – especially when it comes to money. Still in school, I started exploring stocks and ETFs and quickly realized how essential financial education really is. At ETF4Kids, I found everything my family once needed: honesty, transparency, and heart. Today, I help parents give their children the opportunities they may not have had themselves – with clarity, foresight, and a solid plan for the future.
Finances were never just numbers to me – they were always about whether people are treated fairly. During my time working at a bank, I quickly realized that many clients came to us with real concerns but rarely received honest solutions. That felt wrong. So I left my job to offer the kind of guidance people deserve: clear, transparent, and genuinely on their level. Growing up without financial security shaped me deeply. Nothing was saved for me, so I wanted to understand early on how to use money wisely and plan for the long term. This experience taught me how powerful financial education – and truly fair advice – can be. At ETF4Kids, I can finally do what matters most to me: support parents the way I wish someone had supported my own family — honest, understandable, and always with the goal of giving children real opportunities. Seeing how even small monthly contributions can change a child’s future reminds me every day why I chose this path.
Many parents have questions about saving or investing for their children - and that’s completely normal.
It’s about your child’s future, and you don’t want to make mistakes.
We’ve heard the same questions hundreds of times - and answered the most common questions here, clearly and simply.
No! Our advice is completely free and non-binding for you. We only earn something if you decide on a product after the consultation - and only through commissions from the providers, which are already included in the product price. So you don't pay a cent more than if you go directly to the provider. The difference: you get professional advice and long-term support - at no extra charge.
Completely honest and transparent: we receive a commission from the product providers if you decide on a product after our advice. This is regulated by law and is already included in the price - so you don't pay a cent more. The big difference to others: We deliberately take lower commissions and pass these savings on to you. This one-off commission enables us to look after you for years to come - at no extra cost to you. We only profit when you profit.
We mainly offer advice online via Zoom - which is much more convenient for you as a parent! In the evening after the children's program, at the weekend or whenever it suits you. No driving, no searching for a parking space. On-site appointments are of course also possible if you prefer. However, most families love the flexibility of online consultations - especially with small children, it's simply more relaxed.
Absolutely! You always retain full control over your money. We don't manage it ourselves - it goes through large, state-regulated insurance companies in Germany. You get all the access data and can see online at any time how much money there is and how it is developing. We can never access your money without your consent.
Yes, you have absolute flexibility: pause (temporarily stop the savings plan), reduce (reduce monthly contributions), partial withdrawal (withdraw only part of the money) or cancel completely (cancel everything). There is no fixed commitment, just a short notice period of one month. No penalties, no hidden costs - your flexibility comes first!
You can get started for as little as €25 a month! No pressure, no high minimum amounts. Every euro counts if you start early. You can also make additional one-off payments at any time - for birthdays, Christmas or when you have some left over. This way, your assets grow even faster.
Over the last 50 years, the global equity market has returned an average of 9.2% per year - and as much as 11.5% over the last 15 years. We conservatively calculate around 9.2% for the future. Example: €100 per month over 18 years = approx. €40,000-45,000 final capital. Important: These are average values over many years. Things can go downhill in the short term - that's why long-term thinking is so important.
Yes, this is possible, especially in the first few years. Markets fluctuate - sometimes -20% to -30%, acquisition costs are distributed at the beginning and in the short term the value can be less than the contributions paid in. However, those who persevere in the long term (at least 10-15 years) benefit historically from market recoveries and the compound interest effect. This is why the right investment horizon is so important.
Very important: We do not manage your money ourselves! This is handled by large, state-regulated insurance companies in Germany. Your money is invested there exclusively in low-cost ETFs that you select together with us. We just help you find the right solution and set everything up correctly. You retain full control and can view your securities account at any time.
We are a German company based in Stuttgart. ETF4Kids is a registered trademark and an officially registered GmbH. All our partners are renowned, state-regulated providers in Germany - you benefit from German consumer protection and legal certainty. Our team consists of experienced financial advisors with an academic background. Many of us are parents ourselves and know exactly what is important when building up assets for children.
Banks mainly sell their own, often more expensive products. We are independent and always choose the cheapest and best product on the market. Example: Bank savings plan with 1.5% vs. ETF with 9.2% = with 100€/month over 18 years about 15,000€ difference! Further advantages: Personal, long-term support, more time for detailed advice, no sales pressure, only honest advice.
Start today from just 25€ per month, benefit from real returns and enjoy maximum flexibility.
