Purpose still open
Training, flat, licence, time abroad, a project — purpose can come before any product name.
Build · Protect
Saving for a child: start early, keep options open
Nobody knows what a child will choose later. A small monthly amount over many years can create room — for parents, grandparents and godparents alike.
How it works → — Understand first. Then decide.
The question
What should there be room for later?
A thought anchor — not a contract. Possible purposes, not a checklist.
Pick a thought. The text stays with the possibility; no product name.
Apprenticeship, degree or further study: money can ease choices; it does not make them.
Deposit, first furniture, a month when living alone costs more than expected.
Mobility — the option to reach places, not the car itself.
Time elsewhere — a door that can stay open without fixing the life plan.
A pot without a fixed purpose today; the use can come later.
Workshop, start-up, something self-built — space for an idea that does not exist yet.
Keep options open, not a return promise. Size and timing stay open.
Calculator
What a regular amount shows over the years
Child’s age today, monthly amount, optional lump sum, target age and a freely chosen rate. No name, no date of birth. Nothing is stored.
- Years
- 18
- Paid in
- €10,800
- Illustrative difference
- €0
- Illustrative total
- €10,800
18 years, from age 0 to 18. Paid in €10,800. At 0.0 % the illustrative total is €10,800. Not a forecast or payout.
At 0 % both lines sit on top of each other — paid-in only.
Enter a monthly or lump amount to see the chart.
Target age is before today’s age. Pick a later target.
Today
Age 0
Training
Target · 18 years left
First steps
21 years left
Own life
25 years left
Further
30 years left
50 € × 18 years
10,800 € in contributions
Sum of contributions at 50 € from birth to 18 — not a maturity value, not a promise. The calculator can show other amounts.
Assumptions. 18 × 12 × 50 = 10,800. No costs, growth or withdrawals.
Assumptions. Monthly compounding at the chosen rate (0–18 %). Lump sum at the start of the span, then monthly payments. No costs, tax, inflation, withdrawals or contract.
Illustrative example only, not a forecast, guarantee or advice. Past performance is not a reliable indicator of future results. Inputs are not stored.
No name, date of birth or address. The calculation stays in the browser.
Why time matters
Lost months cannot be bought back
From birth to 18 there are 216 months. A later start means fewer months with contributions — past months are gone.
What happens to invested money stays open. Markets rise and fall; a longer span is not a promise, but it allows a long run.
Typical stages — training, first independent steps, own ideas, long-term options — may need room without dictating the path.
Starting earlier means more months — not more certainty.
| Start age | Months to 18 | Contributions in the example |
|---|---|---|
| 0 | 216 | 10,800 € |
| 3 | 180 | 9,000 € |
| 6 | 144 | 7,200 € |
| 10 | 96 | 4,800 € |
| 15 | 36 | 1,800 € |
Months to 18 by start age. Contributions: example at 50 € per month.
Assumptions. 50 € monthly, twelve months per year, until 18. Contributions only — no costs, growth, withdrawals or payout promise.
Possible paths
Clarify the goal first — then, if it fits, a path
Four paths in the ERGO Vorsorge Lebensversicherung AG range on this tied-agency site. Not a ranking; each card states can, cannot and risk.
Long run
Contributions can run for many years. Outcome stays open; missed months are not recoverable.
Living with volatility
Funds can fall. Contribution guarantees, where described, refer to paid-in amounts — not growth.
Who holds the contract later
Parents, grandparents or godparents can pay. Handover at majority or career start is described in the product information.
Once these questions are clearer, four paths in the ERGO range can be compared — none fits every child automatically.
Chance
Money in funds without a contribution guarantee?
- Can
- Up to 20 funds selectable and payable in parallel.
- Cannot
- No contribution guarantee described for this path.
- Risk
- Falling markets can reduce the fund value — investment risk on the fund part.
Investment
Contributions in chosen funds; up to 20 at once.
Rising or falling prices — losses possible.
Balance
Mix funds and a classic part?
- Can
- Split between funds and classic security assets — adjustable both ways.
- Cannot
- Protection in the documents applies to the classic part — not funds, not a return promise.
- Risk
- Fund part: market upside and downside.
Classic part
Protection of the classic part; optional index participation or surplus credit.
Surplus not fixed; fund part market-linked.
Dynamik
Funds with a selectable contribution guarantee?
- Can
- Selectable contribution guarantee; documents cite 10–100 % at end of term.
- Cannot
- Guarantee is not a promise of growth.
- Risk
- Fund share can fall; documents say price drops do not endanger the guarantee — not a performance promise.
Mix
Mostly funds or ERGO portfolios; mix is adjusted over time.
Guarantee refers to end of term — not return.
Index
Lock in contributions at a stated point?
- Can
- From 12 years’ term: 100 % of scheduled contributions at pension start; lump sum from 5 years.
- Cannot
- Surplus participation not guaranteed; set anew each year.
- Risk
- Upside tied to index or surplus — can lag example illustrations.
Upside
Index: MSCI World in euro or Munich Re World Wide Trend Index; or surplus interest or a mix.
Guarantee: scheduled contributions at the date — not growth.
ERGO Zukunfts-Chance (ERGO Life S.A., Luxembourg) is not detailed here; it may come up in a call if relevant.
Products of ERGO Vorsorge Lebensversicherung AG. Policy terms and the key information document prevail. General orientation — not an offer.
Questions
Common questions
Is 10,800 € what will be paid out?
No — that is 50 € per month over 18 years. Costs, market movement and withdrawals are excluded. No payout at that level is promised.
Why 50 € and not 25 €?
50 € is a clear example from the documents. 25 € is the published minimum monthly contribution (or 2,500 € lump sum). 25 € over 18 years = 5,400 € — not a recommendation.
Can lost time be made up?
No. Birth to 18: 216 months. Starting at 15 leaves 36 months — less time, not a moral judgement.
Can grandparents or godparents pay?
Yes — policyholder can be a parent, grandparent or someone else. Top-ups from 100 € are described on the product page.
Can the child run the contract later?
Product information cites takeover at majority or career start — the child becomes policyholder.
What separates the four paths?
Chance: funds without contribution guarantee. Balance: mix. Dynamik: funds with selectable guarantee. Index: contribution guarantee plus index/surplus. See the cards above.
What about a pause or withdrawal?
Product page: payment holidays, adjustable contributions, top-ups from 100 €, withdrawals from 500 € up to twice a year if enough value — described as fee-free. Each pause or withdrawal reduces contract value. Terms prevail.
Contact
Sort options and limits — call, message or book
No form on this site. Calendly, phone, WhatsApp or email — as on the contact page.