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Geldanlage für Kinder gut planen

Ein solider finanzieller Grundstock gibt Kindern Sicherheit beim Start ins unabhängige Leben.

Einen finanziellen Grundstock für den Nachwuchs legen: Das ist ein Ziel der meisten Eltern und Großeltern, um den Kindern den Weg in die Zukunft zu ebnen. Wie aber wird das Geld am besten veranlagt, damit das Sparvermögen wächst?

„Um substanziell für die Kinder zu sparen, ist der Faktor Zeit am wichtigsten. Im Idealfall beginnt man bereits im Babyalter mit der Anlage, denn dann wachsen auch geringe Sparbeträge bei der richtigen Veranlagung zu einem soliden finanziellen Grundstock. Welche Anlageformen gewählt werden, hängt von Sparziel, Laufzeit und Häufigkeit der Einzahlungen ab“, sagt Mag. Rupert Lanzendorfer, Obmann der Fachgruppe Finanzdienstleister der Wirtschaftskammer Salzburg. Erfolgt die Anlage bereits ab der Geburt, ist auch bei kleinen Sparbeträgen bei Volljährigkeit des Kindes ein ansehnliches finanzielles Startkapital vorhanden. Beispiel: Die Oma spart für ihr Enkelkind ab der Geburt monatlich 50 Euro, bei einer Verzinsung von 2 % verfügt das Kind bei Volljährigkeit über einen Betrag von über 12.000 Euro. Beim Sparen für Kinder gilt: Das nach wie vor beliebte Sparbuch-Sparen ist nicht die einzige Anlagemöglichkeit für das Startkapital des Nachwuchses, gerade in der anhaltenden Niedrigzinsphase gibt es gewinnbringendere Anlagevarianten. Vor allem die Höhe der Beträge, Sparziel und der Sicherheitsgedanke beeinflussen die persönliche Wahl. Wir haben einen Überblick über die Anlagemöglichkeiten:

Anlagemöglichkeiten für den Nachwuchs:

  • Das Sparbuch ist nach wie vor ein beliebtes Anlageprodukt in der Vorsorge für Kinder. Dabei ist bei den anhaltend niedrigen Zinsen besonders darauf zu achten, dass das Ersparte nicht an Wert verliert. Das ist der Fall, wenn der Zinssatz niedriger ist als die Inflation. Im Bereich Sparbuch ist der Produktvergleich daher besonders wichtig. Bei langer Laufzeit lässt sich mit dieser Sparform noch am ehesten ein Zugewinn realisieren, da bessere Konditionen geboten werden, die Erträge bleiben aber aus derzeitiger Sicht auch hier überschaubar.
  • Der Bausparer für die Kinder oder Enkel hat eine lange Tradition und ist nach wie vor beliebt. Aber auch hier gilt: Der Vermögenszuwachs ist gering, die Sicherheit, die vielen Österreichern besonders wichtig ist, aber hoch. Dazu kommt, dass das Geld für die Dauer des Bausparers – in der Regel sechs Jahre – gebunden ist und kaum Flexibilität zulässt.
  • Wertpapiersparen ist auch für die Geldanlage für Kinder eine gute Option: Für einen langfristigen und relativ sicheren Vermögensaufbau eignet sich die Anlage mit Fonds mit breiter Streuung. Durch die Streuung und lange Veranlagungszeiträume wird das Risiko bei guten Erträgen minimiert. Es gibt auch Junior-Depots, das sind Wertpapierkonten, die im Namen des Kindes geführt werden. Hochriskante und spekulative Wertpapiere dürfen darin nicht aufgenommen werden . Tipp: Wertpapiersparen für Kinder sollte unbedingt mit Sparplan erfolgen, damit Wertschwankungen durch Cost-Average-Effekt ausgeglichen werden: Bei regelmäßigen Einzahlungen werden bei Börsentiefs mehr Anteile gekauft, bei Börsenhochs weniger, dadurch kommt ein Durchschnittspreis zustande und das Verlustrisiko wird minimiert

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    . Mit dieser Anlageform sind gute Erträge erzielbar, das Risiko ist höher, lässt sich aber mittels Sparplan und sicheren Fondsvarianten (z. B. Immobilienfonds) gering halten.

  • Die Goldanlage ist eine weitere Option, um Kapital für die Kinder anzusparen. Gold ist wertbeständig und macht als Geschenk für den Nachwuchs immer etwas her. Wichtig ist, nicht zu kaufen, wenn der Goldkurs besonders hoch ist. Der Goldvorrat kann zur Sicherheit dienen, lässt sich aber auch gut ganz oder nur teilweise verkaufen, wenn etwa Startkapital für die Anschaffung der ersten Wohnung benötigt wird.
  • Tagesgeldkonten eignen sich gut im Bereich Taschengeld, insbesondere bei Jugendlichen, die bereits größere Anschaffungen in nächster Zeit planen (Smartphone, Fahrrad etc.) Flexibilität und Verfügbarkeit sind hoch, für eine langfristige Geldanlage eigenen sich Tageskonten aber nicht, denn hier sind kaum Zugewinne zu erzielen.
  • Eine Alternative dazu sind Festgeld-Konten, die sich bei längeren Laufzeiten eignen. Hier wird meist eine bessere Verzinsung geboten, die Zugewinne sind aber dennoch niedrig. Festgeld-Konten eignen sich beispielsweise bei größeren Geldgeschenken, die zu einem bestimmten Zeitpunkt benötigt werden (Beispiel: Ein Kind bekommt von der Tante zum 14. Geburtstag einen größeren Geldbetrag, geplant ist der Kauf eines Mopeds mit 15 Jahren.)

Fazit

Ein solider finanzieller Grundstock gibt Sicherheit, wenn die Kinder flügge werden und erleichtert ihnen so den Start ins unabhängige Leben. Wer möglichst früh mit der Geldanlage beginnt, kann ein ansehnliches Startkapital für den Nachwuchs ansparen. Welche Anlageformen oder welcher Mix passen, muss individuell entschieden werden. Bei allen Anlageprodukten gilt: Der Vergleich ist wichtig. Die Salzburger Finanzdienstleister informieren zu den verschiedenen Möglichkeiten und beraten, welche Anlagemöglichkeiten zu Sparziel und Zukunftsplanung passen. Sie helfen bei der Erstellung eines Sparplans, damit die Anlageziele wie geplant umgesetzt werden. Hier finden Sie den Finanzdienstleister in Ihrer Nähe.

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Die Salzburger Finanzdienstleister sind Ihre Ansprechpartner für alle Fragen rund ums Geld. Hier geht es zur Beratersuche