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This number indicates the product risk, where 1/6 represents the least risk and 6/6 the greatest risk.
Bankinter, S.A. is a member of the Deposit Guarantee Fund for Credit Institutions of Spain. The maximum amount currently guaranteed by this Fund is 100,000 euros per depositor per institution.
Each investment fund has its own risk flag, which may be higher.

How to save for your children's future

Planning a savings plan for the future

As a child you probably had a savings account. Concern for our children's future is something that is common to all generations. But yesterday is not the same as today, just as interest rates are not what they were. It's no longer enough to simply open a savings account and deposit cash presents from grandparents. We need to look for new formulas.

When and how to start investing

That is the formula that we propose, to invest, the one that we recommend but it is also the markets' situation. Think about what you can buy today with €50 and what you can buy in 18 years with that same money. This, not another, is the reason.

The sooner you start, the better

Diapers, baby food, pediatricians... You might think that this is not the time to take another item out of your budget. But, if you start early, it does not matter that the amount is symbolic, even if it is very small, you will have already generated a habit, almost without realising it.

You have a lot of time, you can do it little by little

The good thing about starting as soon as possible is that you will have a long time ahead of you and you can do it with much less effort. You can reinvest the potential benefits that you generate, like an ant

Minimise the risk

When the project of investing is long-term, it is important that you think about combining two factors. During the initial phase, it is advisable to seek a higher return even if the exposure to risk is greater and, as the moment when you need to recover the investment approaches, to consider more conservative options.
Simple interest or compound interest?

And, now, the big question: Where to invest?

Investment funds are an ideal product1. And now you will say “Funds again?”. Well, yes. When you plan to build capital over the long term, investment funds are perhaps one of the most suitable instruments, which is why you will see them recommended here and there again and again:

  • They are easy to choose and purchase, you do not need to have significant financial understanding.
  • All profiles can be accommodated, from the most conservative to the most aggressive, although they can lead to a loss of invested capital.
  • You can make periodic contributions with very small amounts, from €10.
  • You can combine various funds and you can change funds at no cost and without tax charges2.
  • You do not pay taxes until you withdraw the investment2.
Funds for beginners
If you have never purchased a fund, we will explain it all and everything's easily.
Periodic Investment Plan
The plan to invest little by little.

If you are thinking about your future, then certainly you are thinking about going to college.

For parents, it is one of the biggest worries, one of the biggest reasons to have future capital available. As a result of the implementation of the “Plan Bolonia”, the options, specialisation and the offer provided by the university market have increased notably and, with it, the budget to be allocated to this fundamental, probably the most important, chapter.
Public universities, private universities. How much do you have to save in order to pay for college?
Discover more suggestions about saving for your children's future

If it's for them, count on them.

Fundamental. If you're thinking of their education, you also need to think of educating them about the value of things, about the true value of money. And the best way to do that is to involve them. It's important for them to understand that life comes with costs, and with unforeseen events that they need to be prepared for. Take advantage now, while they are still “sponges”, to teach them the habit of saving.

Better than the piggy bank

Currently there are accounts in the market adapted to children and young people designed for anything beyond saving or paying money. They are accounts designed for children and young people to become familiar with the financial world's concepts and tools, a world that they will one day inevitably have to confront.

5% Plan

A Bankinter idea for easily starting to invest

Every month that a minimum of €50 is contributed to an investment fund1 from a Yotuh Account3 or Mini account3, a monthy bonus will be received: 5% per year (the first year) and 2% per year (the second year) of the accumulated balance in the investment fund, up to a maximum of €1,000. See conditions4.

Investment funds are products which may result in a loss of capital.

Bank accounts for children
How to save money for your children?

Other products, other suggestions:

Bankinter Broker

Bankinter's online broker. A tool that will allow you to easily access the stock market, regardless of your level of understanding of stock markets.
Find out more about broker bankinter

Profiled funds1

An easy way to invest in funds. You only need to understand yourself, the expectations that you have and the risk that you want to take. We offer you a selection based upon who you are.
Find out more about profiled funds

Saving tips for families

It is one of our practice sheets. Within it, you will find suggestions and tools for optimising your family finances.
Find out more about Saving tips for families
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