Next generation
Wealth for the next generation starts with time.
The next generation has what no investor can buy: decades of time. Investing carries risks; targets are not guarantees.
The power of time
Time is the one advantage you cannot buy.
Anyone investing for a child or grandchild is looking at a degree, a first home or a good start.
Over such a long horizon, swings along the way weigh less heavily, although the outcome stays uncertain.
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Long horizon
Room to build up calmly and in a structured way.
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Flexible top-ups
One-off or monthly, by iDEAL or bank transfer. A fixed rhythm spreads across good and less good moments. Stopping, pausing or increasing is possible whenever you want.
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Insight at all times
You follow the build-up in the secure web app, plus periodic reports.
The power of 18 years
What monthly investing alone already adds up to.
Eighteen years is 216 months. This table shows only what you put in yourself: discipline times time.
| Investment per month | Total investment over 18 years |
|---|---|
| €1,000 | €216,000 |
| €2,500 | €540,000 |
| €5,000 | €1,080,000 |
Wealth planner
Explore target scenarios over a long horizon.
Choose a fund, a starting amount and a monthly investment. The outcomes are target scenarios based on the net target returns: a target, not a guarantee.
Target scenario after 18 years*
€ 0
- More cautious
- € 0
- More favourable
- € 0
- Total invested
- € 0
- Target growth*
- € 0
- Net target return
- 12% p.a.
Management fee class A
2% per year
The management fee is calculated on the value of your investment. On your investment in the first year (€ 6,000) that is € 120. In addition, 20% performance fee with high water mark. These costs are not included in the target scenario above.
*Target scenario based on the net target return, before tax and costs. The range illustrates possible movement, it is not a forecast. Actual outcomes can be higher or lower, and you may lose part or all of your investment.
Gifting & tax
Gifting is something you decide with your tax adviser.
The rules and exemptions for gifting change every year. That is why we deliberately name no amounts and give no tax advice.
Consult your tax adviser or the Dutch Tax Administration for the current gifting rules.
The funds
Three funds, three profiles.
A long horizon can bear more movement; the choice depends on your situation and your goal.
Defensive
Protector I Fund
Target*
7% at moderate volatility
Horizon
Short to medium term · min. 1 year
Balanced
Builder II Fund
Target*
12% at higher volatility
Horizon
Medium term
Offensive
Visionary III Fund
Target*
15% at elevated volatility
Horizon
Medium to longer term
*Net target return per year. A target is not a guarantee.
Frequently asked questions
Questions from parents and grandparents.
Whose name is the investment in?
You record the ownership and the structure in advance, together with us. What you choose is stated in the documents you receive beforehand.
What happens when my child or grandchild turns eighteen?
We go through what happens on the eighteenth birthday with you in advance. That way you know which steps follow and what you arrange yourself. It is also stated in the documents you receive beforehand.
Can I stop or change the amount?
Yes. Increasing, lowering, pausing or stopping is possible whenever you want. You can redeem monthly.
More questions? See all frequently asked questions
Start with the greatest ally: time.
Receive the free monthly selection from the BOTS Selection Framework every month. If you want to go through wealth for your child or grandchild, schedule a call about horizon, investment and profile, at your own pace.
Reply within one business day · Mon to Fri 09.30 - 17.00