Inspiring image of a cuddling woman and child on page about investing for a child

Investing for a child

A financial helping hand in later life

  • Invest regular small sums of money or a lump-sum
  • Start saving from as little as 10 euros a month 
  • Choose when the amount is transferred to your chosen beneficiary

A tidy capital sum for later in life

If you play an important role in someone's young life – as a parent, grandparent, aunt or godfather, for instance – you’re only too happy to ensure a bright future for that child. Going to college, buying a house and other dreams and aspirations come with a price tag. By starting to invest (from early on), however, you can make sure that little one has a tidy capital sum at their disposal when they’re older. The investment-linked insurance product, KBC-Life Solutions4, is a readily accessible way to build up a capital sum for another person, such as a child who’s close to you.

Key features of KBC-Life Solutions4

  • You choose your beneficiary, i.e. a child or other loved one who’ll ultimately receive the money.
  • You choose the end date, which you can change at any time. Should you die prematurely, we’ll pay out the amount invested. If you don't want that amount to go straight to your beneficiary, get in touch with your branch. You also have the option of withdrawing all or part of the amount before the end date, should you need to. 
  • You decide how much you invest. You can start an investment plan from as little as 10 euros a month, or you can opt for a lump-sum investment.

If you take out the unit-linkedKBC-Life Solutions4 product online, you invest in KBC Life S4 Dynamic Responsible Investing, an investment fund developed in-house by KBC Insurance and whose assets are managed by KBC Asset Management.  
 
By choosing KBC Life S4 Dynamic Responsible Investing, you are putting your money into a responsible investment fund that invests in companies and countries that embrace the ESG themes of ‘Environment’, ‘Social’ and ‘Governance’. The fund comprises a mix of shares and bonds and is managed for you by professional fund managers.  Other funds are also available under the KBC-Life Solutions4 range of products.    

Return

The value of a fund can go up as well as down over time. The associated financial risk is borne by you in your capacity as the policyholder. 

We recommend retaining the product for at least five years in order to mitigate the chances of getting back less than originally invested. Examples illustrating a number of scenarios can be found in the key information fact sheet

Risks

  • Market risk: this product doesn’t offer capital protection 
  • Inflation risk: the bond component doesn’t provide any protection against inflation  
  • Foreign exchange risk: the product also invests in securities denominated in foreign currencies 
  • Credit risk: doubts about the creditworthiness of the bond issuers can reduce the value of their bonds 

Costs and charges

You payentry charges of 2.5% and a 2% insurance tax on each deposit. The management fees, which have already been factored into the fund's net asset value, are estimated at 1.35%. These costs depend on the composition of the fund. There are no exit charges.

More information

Before taking out this investment-linked insurance product, be sure to read the documents below.  

More things you need to know

  • This product is governed by the laws of Belgium. 
  • The fund is open-ended. The insurance ends when the insured dies or when the contract ends.  
  • The net asset value is determined every banking day and is available daily from your intermediary and at www.kbc.be/fundfinder. 
  • Your branch is your first point of contact for any complaints you may have. If no agreement can be reached, please contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. tel. 016 43 25 94. If you cannot find a suitable solution, you can contact the Belgian insurance industry’s ombudsman service: Ombudsman van de Verzekeringen, de Meeûssquare 35, 1000 Brussels, info@ombudsman-insurance.be. Alternatively, visit www.ombudsman-insurance.be. This does not affect your legal rights.
Start investing for a child

If you’d rather find out a bit more first or would like more information on the other funds in the range of KBC-Life Solutions4 products, feel free to get in touch with your KBC Brussels branch or KBC Brussels Live.