Happy Kids
When it comes to saving money for their own children or grandchildren, most parents and grandparents are not willing to take risks. That's why the savings account is still often the go-to option. However, it is a fact that the value of money in the savings account diminishes over the course of a good ten years. Currently, even savers are facing the possibility of negative interest rates. Investing in gold, precious metals, diamonds, or gemstones is an alternative that offers security, value retention, and appreciation. With a precious metal or gemstone savings plan, you pass on a piece of financial security to the next generation: gold protects purchasing power, is proven to be a hedge against inflation, it is independent of banks, and a global medium of exchange.
Children grow up faster than one would like, and with their growth come the demands that life places on them. Whether it's education, college, a study abroad program, or a driver's license, everything costs money. This is a problem that repeats from generation to generation. Relying solely on the state is not sufficient. It's no wonder that parents and loving relatives take precautions well in advance.
Saving in gold is a value-preserving investment that is particularly suitable for families. It's not about scrimping and saving large amounts of money. With monthly savings starting at 10 euros, for example, it is possible to invest in gold. Since additional payments are possible at any time, you can deposit money gifts after Christmas, communion/confirmation, or simply after the birthday. Step by step, a small fortune grows. In addition to gold, you can also choose silver, platinum, palladium, or diamonds, sapphires, emeralds, or rubies. Nevertheless, gold remains a strong pillar of stability. Central banks invest in gold to realize a portion of their currency reserves. Isn't that proof enough of the security and value retention of gold?
When we become parents, we want to provide our children with a good future and education, and some even start their little ones' first retirement savings. Simply invest a portion of the child benefit and secure their future.
Of course, we also address grandparents, godparents, uncles, and aunts. Do you want to give a specific amount to the new earthling, save a monthly amount, or both?
The following table shows what your money becomes through Happy Kids for various investment periods:
The development of Happy Kids for different investment periods:
| Duration | 10 years | 15 years | 20 years | 25 years | 30 years | |||||
|---|---|---|---|---|---|---|---|---|---|---|
| Monthly rate in € | Total amount | Possible value | Total amount | Possible value | Total amount | Possible value | Total amount | Possible value | Total amount | Possible value |
| 20,00€ | 2.400 | 3.625 | 3.600 | 6.796 | 4.800 | 11.452 | 6.000 | 18.296 | 7.200 | 28.352 |
| 40,00€ | 4.800 | 7.251 | 7.200 | 13.592 | 9.600 | 22.904 | 12.000 | 36.592 | 14.200 | 56.704 |
| 50,00€ | 6.000 | 9.064 | 9.000 | 16.989 | 12.000 | 28.633 | 15.000 | 45.742 | 18.000 | 70.881 |
| 70,00€ | 8.400 | 12.689 | 12.600 | 23.784 | 16.800 | 40.086 | 21.000 | 64.039 | 25.200 | 99.232 |
| 100,00€ | 12.000 | 18.128 | 18.000 | 33.978 | 24.000 | 57.266 | 30.000 | 91.484 | 36.000 | 141.761 |
| 150,00€ | 18.000 | 27.192 | 27.000 | 50.967 | 36.000 | 85.899 | 45.000 | 137.226 | 54.000 | 212.642 |
| 200,00€ | 24.000 | 36.256 | 36.000 | 67.956 | 33.600 | 114.532 | 60.000 | 182.968 | 72.000 | 283.523 |
| One-off amount | 10.000 | 21.589 | 10.000 | 31.722 | 10.000 | 46.610 | 10.000 | 68.485 | 10.000 | 100.627 |
An annual performance of 8% was expected. The average annual performance in the period from September 1, 2007 to September 1, 2017 was 12.63% for gold, 4.63% for silver, 0.90% for platinum and 30.52% for palladium. The performance refers to the past and may be lower in the future.
Make your children, grandchildren or godchildren winners and agree on your own generational contract.
