Secure children's future financially
Plan your children’s educational financial foundation with nextsure. Early planning creates security and opens up opportunities for optimal career development.
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Flexible Savings Solutions
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Why early education planning is crucial
Mitigate rising training costs
Make the most of compound interest
Grant financial independence
Enable stress-free future planning
The best savings plans for your children's education
Choosing the right savings plan is crucial for successful education provision. Traditional savings plans, bank savings plans, or fund savings plans offer different returns opportunities and risk profiles. At nextsure, we analyse your situation and find the right solution. ETF savings plans, for example, combine broad risk diversification with attractive long-term growth potential and are often more cost-effective than actively managed funds. Special education insurance can also be beneficial, as they often include coverage for the provider (e.g., parent), ensuring that savings goals are met even in case of an emergency. It is important to include the term, desired flexibility, and personal risk tolerance in the decision for optimal education investment for children. Consider sustainable investments to align with your values.
Our Solutions
Education provision in detail
Early Start Bonus
The earlier you start, the lower the monthly burden.
Flexible Plans
Savings rates and terms can be adapted to your living situation.
Investment opportunities
Take advantage of attractive yield opportunities through smart investment forms.
Capital Protection
Choose options to secure the accumulated assets.
Payout options
Lump sum or pension – flexible for the start of training.
Expert knowledge
Digital consulting and transparent information from nextsure.
Online Management
Digital access to your pension contract at any time.
Additional Protection
Optional protection for the provider can be integrated.
Tax Tips
Notes on utilizing potential tax benefits.
Discover the building blocks for a secure future for your children.
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Flexibility and Security: What to Consider when Making Your Choice
A good education plan must be able to adapt to changing life circumstances. Look for products that allow flexible payments, additional contributions, or temporary payment suspensions. Life events such as the birth of more children or career changes may necessitate adjustments. At the same time, security is a key factor, particularly when it comes to your children's future. Check the risk class of the investment and inform yourself about safety mechanisms such as deposit protection for bank products or guarantees in insurance solutions. At nextsure, we value transparent products that offer a balanced ratio of return potential, flexibility, and security for your child's future planning. Diversifying across different asset classes can further minimise risk and enhance the stability of the savings goal to 'fund education'.
Make optimal use of government subsidies and tax advantages
In Germany, there are various ways to benefit from government support or tax advantages in education savings for children, even if there is no direct "educational grant" during the savings process. For example, capital gains are tax-free up to the saver’s allowance. With certain investment forms, such as Riester contracts, which can also be taken out for children (indirectly through the parents' contract), allowances and tax advantages can be utilised if the conditions are met. It is advisable to be well-informed about the current legal regulations and the conditions for child benefits, allowances, and possible subsidies. Nextsure helps you understand the complex regulations and develop savings strategies that consider these aspects, to efficiently achieve your savings goal for your child's education, whether for tuition fees or living expenses during their studies.
Education Provision as a Gift: Opportunities and Legal Aspects
Giving money for education is a valuable investment in a child's future. Grandparents, godparents, or other relatives can make a significant contribution here. This can be done through direct deposits into an existing savings account or savings plan for the child, or by setting up a separate savings contract in favour of the child. Legally, it is important to note that gifts are subject to certain exemptions before gift tax applies. For larger sums, it is advisable to plan ahead. It is also important to determine who is authorised to access the capital and when the child will have access. nextsure advises you on the suitable products that are also suitable as gifts for education savings and shows you how to arrange gifts in a tax-optimised way for the benefit of the child, to build up wealth for education in the long term.
Risk Management: How to Protect Your Accumulated Capital
The protection of the capital saved for your child's education is of utmost priority. Effective risk management begins with selecting an investment strategy that aligns with your risk tolerance and investment horizon. Long-term investments often allow for a higher equity ratio, while more conservative investments should be preferred shortly before the start of education (capital preservation strategy). Diversification, or spreading money across different asset classes and regions, reduces risk. In terms of insurance solutions, additional life protection for the main earner can be sensible to ensure that savings goals are met even in unforeseen events. nextsure supports you in identifying risks and implementing suitable safeguarding strategies for your children's educational provision, so that the financial foundation for studies or vocational training remains solid.
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Long-term Planning: Adapting the Investment Strategy Over Time
Educational planning is a marathon, not a sprint. Long-term planning that includes regular reviews and adjustments is essential. The family's financial situation, the development of capital markets, or changes in the child's educational goals may require an adjustment of the strategy. At the outset, when the investment horizon is still long, more yield-oriented investments can be chosen. As the start of education approaches, the risk should be gradually reduced to secure the achieved capital (keyword: maturity management). nextsure recommends checking and possibly adjusting the educational planning strategy at least every two to three years. Our digital tools and experts help you keep an overview and successfully manage your planning goals for your children's future education and ensure the financing of the education.
Payment Phase: How Your Child Can Make the Best Use of the Capital
When the time comes and your child begins their education, the question arises of how best to use the saved capital. Should the entire capital be paid out at once or in installments? This depends on the amount of capital, the specific education costs (tuition fees, rent, living expenses), and the type of education. A staggered payout can be sensible to ensure continuous financial support during the study or training period and to protect the money from unnecessary spending. It is also important to involve the child early in these decisions and to instill financial responsibility. nextsure also advises you during this phase on how to arrange the payout flexibly and how to use the capital most effectively for your child’s educational start, laying the foundation for a successful career path.
nextsure: Your digital partner for education provision
nextsure is your modern, digital partner for all aspects of education planning. We combine technological innovation with solid expertise to offer you tailor-made and transparent solutions. Through our online portal, you can access comprehensive information, compare various education planning products for children, and complete them directly online. Our experts are available to provide advice and develop the optimal strategy for financing your child's education if needed. We value clear information and a simple, digital process – from the initial information to the management of your contract. Rely on nextsure to set the course for a worry-free educational future for your children, with an investment that suits your needs and your child's goals.
At what age should one start with education savings?
Concrete examples best demonstrate how a well-thought-out education savings plan leads to success. The Müller family began early with an ETF savings plan for their daughter Anna. Through consistent monthly contributions and the effect of compound interest, they were able to save a substantial amount by Anna's 18th birthday, funding her medical studies. Another example is the Schmidt family, who opted for a flexible education insurance plan. When Mr Schmidt unexpectedly lost his job, they were able to temporarily suspend their contributions without jeopardising their savings goal. These and further case studies on our website illustrate how nextsure supports families in finding and implementing tailored solutions for education savings, helping to remove financial barriers for children's education and providing them with an optimal start to their careers.
