Children’s Account Switzerland: The Complete Guide — Investing, Tax, Comparison
March 29, 2026
3 min read
Investing for Children in Switzerland: The Complete Guide
Your child has something no adult investor can buy: 18 years of time. That's 18 years of compound interest. 18 years of tax-free capital gains. 18 years where CHF 50 per month silently turns into CHF 63,000 — while your child learns to walk, read, and eventually ask why their portfolio dropped 15% (and you'll know the answer).
This page is your starting point. We've written everything you need — the maths, the comparison, the legal guide, the gift strategies, and the children's finance book that explains it all through a talking dog. Start where you are. Read what you need. Bookmark the rest.
For parents who think in decades
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💌 The Letter to New Parents
Three parents. Three stories. One regret they all share. No product pitch — just the truth about time, compound interest, and CHF 50/month.
💡 Why Invest for Your Child?
The maths, the motivation, and the mistake 90% of Swiss parents make (hint: it involves a savings account and CHF 22,000 in lost growth).
🔍 Choose the Right Account
Not all children's accounts are equal. Fees, ownership structure, investment approach, and what happens at 18 vary dramatically between providers.
⚖️ Understand the Rules
Your name or the child's? Who pays tax? What happens in a divorce? Can the KESB intervene? And the 5 mistakes that cost Swiss parents thousands.
🎁 For Grandparents & Godparents
The most impactful gift isn't a toy, a card, or a Goldvreneli. It's a contribution that compounds for 18 years. Here's exactly how.
📚 Teach Your Child About Money
The investment account is the foundation. The conversation about money is what makes it last a lifetime.
7 Lessons for a Lifetime
Teaching Kids About Money: 7 Lessons No School in Switzerland Teaches
From pocket money rules to the dream album to their first portfolio — age-appropriate financial education that lasts a lifetime.
arvy's Book Club
A Dog Called Money by Bodo Schäfer: The Best Children's Finance Book in 10 Minutes
3 million copies sold, 30 languages. A talking Labrador teaches an 11-year-old about the dream album, the goose that lays golden eggs, and the 50/40/10 rule. The perfect companion to your child's arvy account.
🧮 Your Calculators
Turn general advice into your personal numbers:
Child Investment Calculator
CHF X/month × Y years = your child's number
Compound Interest Calculator
See how lump sums + monthly grow over 18 years
📎 Also Relevant
💍 Marriage, Children, Divorce
How life events change your finances in Switzerland
📈 CHF 500/Month Guide
The optimal allocation for your own investments
This guide was created by Thierry Borgeat, Co-Founder of arvy, and reviewed by Patrick Rissi, CFA, and Florian Jauch, CFA. Last updated March 2026.
Disclaimer: This guide is for general informational purposes and does not constitute personal tax, legal, or investment advice. All referenced articles contain individual disclaimers. Tax regulations and legal rules vary by canton and individual situation. For individual advice, consult a qualified advisor. arvy is a FINMA-supervised asset manager. Legal Notice & Disclaimers
