Secure future for kids: Scalable Capital launches children’s portfolios!

Secure future for kids: Scalable Capital launches children’s portfolios!

In summer 2025, Scalable Capital will launch a custody account for children that offers parents the opportunity to digitally manage fee-free savings plans. The launch of this new offering comes as part of a broader initiative to promote financial literacy and security for children. The depot is intended not only to provide an understanding of how to deal with investments, but also to contribute to the financial education of young users. Interested parents can already register on a waiting list to benefit from the advantages of the children's depot. Loud wiwo.de Parents or legal guardians must maintain their own account with Scalable Capital in order to open a child account.

Another crucial aspect of the children's deposit is the upcoming introduction of the early start pension, which will provide for a monthly state payment of ten euros for school-age children from January 2026. This affects children between the ages of 6 and 18 who attend an educational institution in Germany. With the early start pension and possible additional payments from parents, the value of the portfolio could increase significantly.

Benefits and fee structure

The fee structure is particularly appealing: There are no custody fees and the ETF savings plans are free of charge for deposits of just 1 euro. The children's portfolio also allows investments in ETFs, stocks and funds, making a wide range of investments available. Erik Podzuweit, founder and co-CEO of Scalable Capital, emphasizes the need for private provision to enable long-term wealth creation. The simple digital opening via the app or browser makes the process much easier.

Potential of the children's depot

The children's portfolio shows promising examples of asset growth. A monthly government grant of just 10 euros, invested until you come of age, could achieve a portfolio value of over 4,600 euros. With one-off parental contributions of 10,000 euros and additional monthly payments of 50 euros, the portfolio value could even grow to over 39,000 euros. This illustrates how parents can contribute significantly to their children's wealth through early investments.

Scalable Capital's digital platform provides access to over 2,700 ETFs, stocks and funds, while there are no fees for over 1,300 ETFs, even with an order volume of 250 euros or more. In addition, Scalable Capital has placed a special focus on cost-effective investments until December 2025 with the world ETF “Scalable MSCI AC World Xtrackers UCITS ETF”. Founded in 2014, Scalable Capital has now acquired over 1 million customers while managing more than €27 billion. Further information can be found on the Scalable Capital website.

In summary, Scalable Capital opens up new perspectives for the financial education and provision of young generations with the children's portfolio and the early start pension and creates incentives for parents to actively contribute to their children's wealth creation. How scalable.capital reports, the introduction of these products is a step towards a long-term, successful strategy for the next generation.