Saving on behalf of a child

By saving for your child, you secure your child's future financially and give them the freedom to follow their dreams. Parents often put away money for their children for years or even decades. That's why it's a good idea to consider forms of saving that are more profitable than a standard savings account. You can find suitable investment products from our extensive range of mutual funds, stocks and ETFs. By starting early, your child's savings can amount to a large sum by the time they reach adulthood.

Investing in funds on behalf of a child

The most important thing is to start, and you can invest in funds for your child with as little as 10 euros a month. With a long investment horizon, you can save thousands of euros in your child's portfolio to secure your child's finances. Select one or several suitable funds from our extensive selection of more than 60 mutual funds. You always invest affordably in OP's funds as an OP cooperative bank owner-customer, you can buy and sell nearly all funds without fees and earn 0.35% in OP bonuses.

Fund investing for a child is also possible through unit-linked insurance. Saving through insurance is the best option if you’re saving for a child in the long term and want to maintain control of the funds.

Investing in stocks for a child

It's worthwhile to start investing in stocks for your child as early as possible. You can get started by opening a book-entry account or an equity savings account. You can also open both if you want to make use of the benefits of both accounts. Through the accounts, you can invest in stocks for your child and seek a return on your investment efficiently in the stock market.

You can invest in a wide variety of stocks and ETFs on behalf of your child. You ensure that the costs of investing remain affordable by making your child an OP cooperative bank owner-customer. Thanks to low fees, you can invest in stocks even with smaller sums such as 100 euros at a time. Investing small sums regularly pays off as the investment horizon of a child's portfolio is usually long, more than 10 years.

Investment benefits

As our owner-customer, you get benefits and discounts on saving and investing.

Make your whole family owner-customers

You can also make your child an OP cooperative bank owner-customer.

Invest for your godchild or grandchild
Would you like to give money to, or save regularly on behalf of, a child in your life? Pay monthly amounts to build an investment with returns, while teaching the child financial skills.
Saving and investing for young people
Did you know that young people aged between 15 and 17 can save and invest independently on OP-mobile with their parents’ or guardians’ consent? The earlier you start, the more you stand to benefit. 

Investment services are provided by OP cooperative banks. The funds are managed by OP Fund Management Company Ltd. When investing, it’s wise to remember the associated risks. An investment’s value can either rise or fall, and there are no guarantees of recovering all your invested capital. OP doesn’t guarantee a return on your investment, and past performance is no guarantee of future performance. Taxation is based on each customer’s circumstances and can change.