Why it’s worth investing for children and grandchildren

Many parents, grandparents and godparents like to set money aside for their children. But what’s the best way to do it? Set up a savings account? Or is it better to invest the money? We explain the pros and cons of both options.

It’s never too soon to start saving. Small amounts regularly set aside over a long period can add up to a pretty sum over the years.

Traditional saving with the Bank CIC savings account

A savings account is a safe way of saving money for the future. At some stage most children are going to start a course that lasts several years, leave the nest or make a major purchase. A savings account can help them cover the cost. A savings account is the safest way of accumulating money if you don’t want to invest in securities. The money can be withdrawn from Bank CIC at any time without restriction and CIC eLounge ensures convenient access to the account 24 hours a day. And you currently benefit from one of the best interest rates in Switzerland! 

Make your money work for you with cleverinvest

Instead of putting your money in a savings account, cleverinvest is an easy way of investing it in different themes. You decide how much you want to invest in what areas; anytime and flexibly through CIC eLounge. The investment horizon is particularly long for young people, reducing the risk of losses. 


You can open a cleverinvest account with as little as CHF 1,000. You then set the amount you want to keep on paying in every month. Once the cumulative deposits reach CHF 50, your money is automatically again as you wish. This lets you build up assets for your child in a way that fits your budget.


As you can see, there are various ways of saving for yourself or your little ones. Which variant best suits you and your situation in life depends on various factors. What always matters is that you pay in regularly and start as early as possible. That way, you build up a financial buffer for the future step by step. So you should consider putting some money aside regularly for your children or grandchildren. They will benefit from it later.


Please do not hesitate to contact us for a personal consultation.