It's hard to believe how quickly time flies. Almost two years ago, we opened the Junior Depot with ING for our daughter. To mark the 2nd anniversary, I would like to share a small interim summary with the concrete figures.
The foundations for her financial freedom are extremely solid. By the way: her little brother also has his own securities account - albeit with Trade Republic - but it has exactly the same strategy! 👦👧
This is what the approach has looked like since the start:
Initial spark: €10,000 seed capital directly at birth 🚀
The basis: 150 € monthly savings installment 💼
The turbo: Additional deposits and extra financial gifts on special occasions 💸
The one-ETF solution: You consistently save in the $VWRL (-0.06%) - the distributing variant.
The current status after exactly 2 years:
💰 Total value: ~17.500 €
📈 Price gains: +23 %
🌱 Invested capital: ~14.200 €
📊 Internal rate of return (IRR): Strong +21 %
🎯 The next milestone: The €20,000 deposit size is firmly in our sights and not that far away! Thanks to the combination of regular savings installments and market returns, the compound interest effect is already starting to work noticeably for you in the background.
🔥 The highlight for 2026: The dividend harvest is underway!
I'm particularly proud of the earnings side: we are currently at ~€225 in dividends at all times. For the entire calendar year 2026, we expect to crack the €250 mark in dividends!
Important for the strategy: All dividends are consistently and directly reinvested so that the capital in the portfolio remains fully invested and feeds the long-term snowball effect to the maximum for the next 16 years until the age of majority.
How do you lay the financial foundations for your children?
#depotupdate
#juniordepot
#etf
#zinseszins
#dividends
#ing
#traderepublic
#kinder
#zukunft #
