85% of parents save for their child’s future. For example €10 or €50 each month. Saving earns you interest and involves little to no risk.
32% of parents choose to invest for their child alongside saving. Why? Over the long term, investing often delivers higher returns than saving alone. The downside of investing for your child is that it carries risk. Your investments can decrease in value.
"}},{"componentType":"sectionTitle","title":"Saving and/or investing for your child: what’s in it for you?"},{"componentType":"paragraph","richBody":{"value":"Curious about what saving and/or investing could earn you? This tool gives you an indication. The outcome is not guaranteed. You may achieve higher or lower returns.
"}},{"componentType":"feature","featureName":"ing-investment-calculator-v2?__align=full-width"},{"componentType":"sectionTitle","title":"Save, invest or both?"},{"componentType":"paragraph","richBody":{"value":"What suits you best depends on your situation. Such as how much time you have and how much risk you’re willing to take.
"}},{"componentType":"sectionTitle","title":"Saving and/or investing: in your child’s name or in your own?"},{"alignedImage":{"position":"left","extension":"jpg","original":"https://assets.ing.com/asset/f6fc45b9-2b71-47b0-8a37-cc54ba6eae8e/Close-up-of-a-little-girl-playing-jenga.jpg","transformBaseUrl":"https://assets.ing.com/transform/f6fc45b9-2b71-47b0-8a37-cc54ba6eae8e/Close-up-of-a-little-girl-playing-jenga"},"componentType":"paragraph","richBody":{"value":"You can save and/or invest in your child’s name or your own. Both options have pros and cons. Learn more to choose what suits you best.
"},"textLinks":[{"text":"Tax (benefits) when saving or investing for your child","url":"/en/personal/children/saving-for-your-child/on-whos-name"}]},{"componentType":"sectionTitle","title":"Saving and/or investing for your child: your options"},{"cards":[{"cardSize":"medium","cardType":"product","checkMarkList":["Save in your child's name","You manage the account until your child turns 18","%{Spaarrentes:PrivateindividualsGGR.rente.totenmet10k}% interest up to €10.000"],"componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/57370bbe0bcd823b/original/Large_Web-and-Screen-A-young-girl-closes-her-eyes-and-blows-on-a-dandelion-clock-outside-1.jpg","transformBaseUrl":"https://assets.ing.com/transform/7d235204-e144-4811-97dd-d93088f3ad8d/Large_Web-and-Screen-A-young-girl-closes-her-eyes-and-blows-on-a-dandelion-clock-outside-1","type":"image","width":1920},"intro":"Save up for your child’s future","link":{"url":"/en/personal/children/products/childrens-savings-account"},"promoText":"Now with €10 as a gift. Promotion Terms and Conditions apply.","title":"Child savings account"},{"cardSize":"medium","cardType":"product","checkMarkList":["In your own name or the name of your child","Start from just €10 per month","Invest and withdraw at any time"],"componentType":"productCard","image":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/asset/50d0f09f-6269-43b2-aeb8-daa2c7817041/Child-dressed-in-red-firefighter-raincoat-playing-in-a-park-on-a-rainy-day.jpg","transformBaseUrl":"https://assets.ing.com/transform/50d0f09f-6269-43b2-aeb8-daa2c7817041/Child-dressed-in-red-firefighter-raincoat-playing-in-a-park-on-a-rainy-day","type":"image","width":5800},"intro":"Easy Invest for your child’s future","link":{"url":"/en/personal/investing/investments-at-ing/investing-for-your-child"},"title":"Investing for your child"},{"cardSize":"medium","cardType":"product","checkMarkList":["Save in your own name","Interest up to %{Spaarrentes:PrivateindividualsOSR.rente.totenmet10k}%","Set up a separate savings goal"],"componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/ff5ac05b-22ab-432d-88a3-b055ed2e7f04/People-riding-bicycle-by-railing-against-sea.jpg","transformBaseUrl":"https://assets.ing.com/transform/ff5ac05b-22ab-432d-88a3-b055ed2e7f04/People-riding-bicycle-by-railing-against-sea","type":"image","width":6720},"link":{"url":"/en/personal/savings/savings-account"},"title":"Saving for your child’s future"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Risks of investing"},{"componentType":"paragraph","richBody":{"value":"Investing involves risks and costs. You could lose (part of) your initial investment. Read more about the risks of investing and how you can reduce them.
"}},{"componentType":"sectionTitle","title":"Handy"},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/91d7882a-b4c3-4fd9-a639-68c0a280d54c/Full-length-of-young-woman-jumping-against-mountain.jpg","transformBaseUrl":"https://assets.ing.com/transform/91d7882a-b4c3-4fd9-a639-68c0a280d54c/Full-length-of-young-woman-jumping-against-mountain","type":"image","width":5184},"intro":"What is investing? How do you get started and what should you consider?","link":{"url":"/en/personal/investing/investments-at-ing/investing-for-beginners"},"title":"Get started with investing"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/76c74ef71683f1c9/original/Woman-happily-hold-smiling-child-on-the-beach.jpg","transformBaseUrl":"https://assets.ing.com/transform/3995b4f0-4d10-40c8-a3a4-3eed75784f35/Woman-happily-hold-smiling-child-on-the-beach","type":"image","width":5831},"intro":"Tax-free gifting: how to do it.","link":{"url":"/en/personal/wealth/an-advancement"},"title":"Gift a larger amount in one go"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/1b566da129575c76/original/Young-family-looking-forward-to-new-child.jpg","transformBaseUrl":"https://assets.ing.com/transform/c400b86f-de95-40fa-b6bb-35f892b8d45d/Young-family-looking-forward-to-new-child","type":"image","width":4000},"intro":"From baby to student: all the costs in one clear overview.","link":{"url":"/en/personal/children/theme/how-much-does-a-child-cost"},"title":"How much does a child cost?"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/bebd7a00f48cf5d/original/Close-up-of-boy-with-toy-cars.jpg","transformBaseUrl":"https://assets.ing.com/transform/66ade629-2dad-4bec-b99c-e100c9892140/Close-up-of-boy-with-toy-cars","type":"image","width":4032},"intro":"Saving for your child’s future? Discover these smart tips.","link":{"url":"/en/personal/children/theme/saving-for-your-baby-or-child"},"title":"Save money for the future"}],"componentType":"cards"},{"accordionList":[{"richBody":{"value":"How much you should save and/or invest each month depends on your situation, goals, and timeframe. Use our calculator to explore different scenarios.
"},"textLinks":[{"text":"Calculate now","url":"/en/personal/investing/investments-at-ing/saving-or-investing"}],"title":"How much to save and/or invest for your child?"},{"richBody":{"value":"You can start investing from €10, but as investing involves costs, it may be wise to invest a bit more. You can do this gradually by investing a small amount each month.
"},"textLinks":[{"text":"Investing for beginners","url":"/en/personal/investing/investments-at-ing/investing-for-beginners"}],"title":"How much should you invest to get started?"},{"richBody":{"value":"Investing is for the long term, using money you don’t need in the short term. That’s why combining saving and investing can be powerful. Money you won’t need in the next 3 to 5 years can be invested.
"},"title":"Should you save or invest?"},{"richBody":{"value":"You can start investing with €100. Just make sure you keep enough savings for unexpected expenses. Once your buffer is sufficient, you can invest small amounts. Monthly if you prefer, even automatically.
"},"title":"Is €100 enough to start investing?"}],"componentType":"accordion"},{"componentStyle":"default","componentType":"linkList","iconTitle":{"title":"Useful links"},"textLinks":[{"text":"Save for your child","url":"/en/personal/children/products/childrens-savings-account"},{"text":"Invest for your child","url":"/en/personal/investing/investments-at-ing/investing-for-your-child"},{"text":"Bank account for your child","url":"/en/personal/children/products/child-account"},{"text":"Calculator: saving or investing","url":"/en/personal/investing/investments-at-ing/saving-or-investing"},{"text":"Tax (benefits) when saving or investing for your child","url":"/en/personal/children/saving-for-your-child/on-whos-name"}]}]},"hasMacro":true,"id":"bf5a6e23-14f3-4a59-9850-fde39c51e3c7","localeString":"en-GB","macros":["Spaarrentes:PrivateindividualsGGR.rente.totenmet10k","Spaarrentes:PrivateindividualsOSR.rente.totenmet10k"],"mainHeaderZone":{"backLink":{"textLink":{"text":"Terug","url":"/en/personal/children"}},"componentType":"productHeader","coreHeader":{"body":"By starting to save and/or invest for your child early, you can prepare well for future expenses. Whether it’s a driving licence, education, or their first home.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/11191190-5c50-4bb5-9a13-21815d4b9fca/Back-view-of-a-young-girl-walking-up-the-stairs-with-an-adult-holding-her-hand.jpg","transformBaseUrl":"https://assets.ing.com/transform/11191190-5c50-4bb5-9a13-21815d4b9fca/Back-view-of-a-young-girl-walking-up-the-stairs-with-an-adult-holding-her-hand","type":"image","width":5700},"title":"Save and/or invest for your child"},"cta":{"componentType":"cta","textLink":{"text":"Save for your child","url":"/en/personal/children/products/childrens-savings-account"}},"secondaryCta":{"textLink":{"text":"Invest for your child","url":"/en/personal/investing/investments-at-ing/investing-for-your-child"}}},"publishDate":"2026-06-18T11:13:27.051+02:00"}}