Investing for young people

Investing for young people

Starting from as little as 25 euros a month

Invest from as little as 25 euros a month by standing order. Have the freedom to invest additional amounts too.

Spread your investments

Invest over time and avoid the risk of mistimed investments.

Long life span

Start investing young for a longer time horizon and see your capital grow.

Want to start investing young? You’re in the right place! An investment plan will help you get you off to a flying start.

The longer your investment runs, the more money it can earn you

Investing for young people

Given the current low rate of interest on savings, investments offer another way to get the most out of your money. The younger you start, the higher your potential return.

That's because you don't need immediate access to the amounts invested when you're young, which means they can generate a return over a long period. Those returns are then re-invested and that's what we refer to as the capitalisation effect.

For example: if you start investing when you're 15, you'll have 15 years of investing behind you when you turn 30. The longer you're able to invest, the better the prospects.
 

Start investing with ease on your phone
Start investing with ease on your phone

Spread your investments

Investing for young people: diversified investments

An investment plan lets you invest in one or more funds. If you opt for a balanced fund, you will invest in many different shares and bonds. In this way, you spread your investment risk and you have a better chance of earning a return.

You can spread your risk even more by depositing money throughout the year. For instance, you could start out by depositing as little as 25 euros in your investment plan each month instead of putting in a large amount once a year.

Enjoy the convenience of making your deposits throughout the year with automatic investing. With this facility, a fixed amount (starting from 25 euros) will go automatically from your account and into your investment. You decide whether that's every month, every three months or every year.

Benefit from spreading your investments with an investment plan
Benefit from spreading your investments with an investment plan

Charges

A KBC Investment Plan is completely free of charge. You don't pay anything apart from the usual charges for the investment funds selected. The entry charges for investing in funds are generally 2% to 3.5%. The exact charges are given in the key investor information document for the selected funds and they can also be requested from your KBC branch.

Risks

Don't forget that investments also entail risks. The value of your investments can fluctuate and they can also make losses.

Although you can access the money in your investments at any time, it is recommended that you invest your money for a longer time horizon. So, invest only what you can afford to go without for at least a few years.

How to invest for young people

Setting up an investment plan in the name of a parent or grandparent

Want to invest for your child or grandchild? You can set the ball rolling by investing in you own name. Setting up a KBC Investment Plan is easy on your smartphone thanks to the KBC Mobile app.

Setting up an investment plan in KBC Mobile

1. Log in to KBC Mobile

2. There are three ways to set up a KBC Investment Plan:

  • If you don't have any investments yet, go to the start screen and hit 'Invest'
  • If you already have a savings account, a pension savings fund and a KBC Investment Plan, select 'Invest' at the foot of the start screen and then 'New savings or investment product’
  • If you've only got investments, tap 'Invest' in the start screen and then 'New KBC Investment Plan’

3. You will see four reasons explaining why investing is a good idea. At the bottom of the screen, hit 'Next'.

4. Carefully read over the information on your KBC Investment Plan. Scroll down again to the bottom of the screen and hit 'Next'.

5. Set up the KBC Investment Plan in your own name and decide on how much to invest each month.

6. If you accept the terms and conditions, sign using your PIN or fingerprint. When you've gathered together a tidy sum, simply transfer the money in question to the account of the young person.

There are two ways to transfer money from your KBC Investment Plan to the young person:

  • Move the contents of your custody account into your child's custody account
  • Sell the contents of your custody account and transfer the proceeds to your child's savings account

Bear in mind that this could then be regarded as a gift of moveable property and therefore is governed by legal regulations. Find out more about gifts.

If you prefer to set up an investment plan in a branch, make an appointment online or contact KBC Live.

Setting up an investment plan in the name of a young person (under 18 years of age)

You can easily set up an investment plan in the name of a young person, but it has to be done by a parent or grandparent (referred to as a third-party beneficiary clause).

A KBC Investment Plan with Third-Party Beneficiary Clause can be set up in a KBC branch. To do so, either make an appointment online or contact KBC Live.
 

Did you know that more than 140,000 customers already have a KBC Investment Plan.

Start investing now by following the steps in KBC Mobile
Start investing now by following the steps in KBC Mobile

Prefer to set up an investment plan in a KBC branch?

Make an appointment with your branch. Simply make an appointment online or get KBC Live to arrange one for you at a convenient date.

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