Opinion poll
Bank account, stocks, money box – like parents for children
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Early saving for the youngsters later pays off. But only a minority of the parents saves for their children. And surprisingly many rely on plants that do not throw up or hardly any return.
Money for training, study or driver’s license or simply a cushion at the start of adult life: Many parents save for their children, but not everyone can afford it. In addition, the majority relies on cash or bank deposits and shy away from shares, shows a survey by the opinion research institute YouGov on behalf of the German Press Agency.
Accordingly, almost a third of the respondents (30 percent) cover money for the youngsters. The representative study, for which a good 2,000 people were interviewed online in June, shows 41 percent. Another 30 percent did not provide any information than childless.
Among the people who do not save for their children indicated a good third (35 percent), they lack the money for it. A fifth (21 percent) finds that your offspring should earn money from the age of 18. 35 percent called no reasons.
The scissors diverge far apart in the savings amounts for the offspring. A good one third (35 percent) will cover up to 50 euros a month, a quarter 50 to 100 euros and 16 percent more than 100 euros. A short fifth saves different amounts irregularly over the year. Relatives also often spend money (39 percent).
Almost 40 percent save cash
The survey also shows that many parents create the money very carefully for their children. This saves 39 percent of cash or by the money box. Another 28 percent invest money on a call money or checking account and 16 percent invest in fixed deposits.
In contrast, in funds or index funds (ETF) that map a stock index such as the DAX or MSCI World, only a quarter (28 percent) invest only a good quarter (28 percent). 13 percent each named a home savings contract and individual stocks.
It is worth saving for the children early, since the money increases the money over the years. Especially for long periods of time, asset advisors recommend shares – for example via index funds, to invest in many titles at low fees and broadly scattered in many titles. This reduces risks. On the other hand, daily and fixed money drops only a few interest, so that savers can usually not compensate for inflation – their money for the children loses value.
dpa
Source: Stern