How to save for your children? With a long -term approach to obtain a positive impact on society and on the planet that we will leave them inheritance, without giving up the objectives of growth of capital and searching for opportunities for performance
This article is sponsored by Ethics Sgr. Here you will find a more exhaustive explanation.
The arrival of a child brings with him many doubts and fears: how will family structures change? I will be able to take some Good decisions For my baby? Among the concerns of the parents there is also to allow their children to have, in the future, one Good economic baseof the savings that allow him to study and specialize in what passionate them.
It might seem premature to think about How to save for your children When they are still very small or even when they still have to be born, but this care is actually a deed of foresight which can influence and change the future of the new generations positive.
In a moment of growing awareness on Environmental and social impacts of our actions, saving for the future of their children also means doing more aware investment choices To contribute to the well -being of the planet in which we live and in which our children will live. It is therefore important to put aside a small capital For when their children are large, even more if done ethical and sustainable.
Invest with particular attention to social and environmental aspects It is possible today with Ethics Sgr, of the Banca Etica Group, the only Italian Savings Management Company to propose exclusively mutual investment funds sustainable and responsible.
Invest in mutual ethical investment funds
THE mutual investment funds They adapt well to the needs of different types of savers, therefore also to those who have little experience and who want to invest by relying on the competence of experts. This type of financial instrument is also suitable for the saver with long -term investment objectives In terms of planning, such as education or future projects for children.
Ethical and sustainable common funds are forms of investment that enclose two dimensions: that economic, having the objective of growth and search for opportunities for performance, and that extra financial, which is looking for the achievement of impacts and positive results from an environmental and social point of view.
An example is offered by the Ethical Sgr Ethical Investment Funds, divided into two investment lines: Responsible values And Future managers.
The funds belonging to the responsible values line invest in securities of companies and states particularly attentive to the environmental protectional respect for human rights and to the Good corporate governancewith a global approach to the topics and investment sectors. Starting from the short -term bond ethical fund, 100% bond, we move on to funds that introduce a gradually growing share investment percentage, up to the Ethical Ethical Fundwhich can invest up to 100% of the heritage in shares.
The investment funds belonging to the responsible future line are of the thematic type: Ethics Impact Climatededicated to investments that favor the development of a low impact economy for climate change; Ethics Social Objectivefocused on the issues of dignity in work, human rights and workers, cohesion and social justice.
To know all the details of the ethical funds proposed by Ethics Sgr you can read all the details here and find information sets and documentation.
In all cases it is possible to access the investment through periodic payments Even small entities, in this case we speak of capital accumulation plans (PAC). An alternative way to the PAC is the investment in a single solution, we speak of capital investment plans (PIC). Now we will see how they work, the differences and advantages.
Investing for the future of children: what they are and how the CAPs work
The first question we have to answer is undoubtedly what you are asking you now: but What are these Pacs? PAC is the abbreviation that stands for capital accumulation plan, an instrument that allows you to make periodic payments of pre -established sums in a Municipality of Investment Fund.
The PAC represents a very interesting tool for those who are evaluating a long -term oriented investment, allowing you to pay small digits periodically to grow capital over time.
The PAC is one flexible tool: the duration, the frequency of payment of the sums and the amount to be paid, chosen by the saver, may vary over time, on the basis of the needs of parents and their financial objectives.
You can therefore choose to make periodic payments Starting from 50 euros With the frequency that best suits your needs (monthly, quarterly, half -yearly, annual). Since it is an investment mode expanding over time, it allows you to mediate the market oscillations By exploiting the positive cycles of the markets and minimizing negative cycles.
Investing for children through the PICs
In addition to the PAC there is another type of investment possible: the PIC, Capital investment plan. Unlike the PAC, the PIC provides to pay a certain sum in a single solution, or in a single time, without necessarily subsequent payments.
However, there is no better investment mode between the two, it all depends on the investor’s needs and financial resources. In the event that There are not many savings available It is advisable Choose a PACin order to accumulate capital over time and obtain long -term advantages. If, on the other hand, you have a lot of liquidity to invest, the Pic could be the best solution.
It is essential, however, to resort to the assistance of qualified financial consultants to identify the option most in line with one’s own needs and economic skills.
Pac or Pic: what is the most suitable solution in the investment for children?
Is there a better choice for parents? We asked him to Davide Mascheroni, responsible for the commercial partners of Etica Sgr:
«The capital accumulation plan is an investment strategy that certainly embraces the needs of many and represents one strategic choice for parents who wish to build long -term capital for their children, with a gradual and sustainable approach.
Through periodic payments, the PAC allows you to mediate the market oscillations and to accumulate capital in a constant and flexible way, adapting to the needs of each family. In addition, investing in ethical and sustainable funds, such as those proposed by Ethics Sgr, allows parents to pursue a double goal: on the one hand, build a solid financial base for their children; on the other, actively contribute to the realization of a more sustainable future for the planet who will leave them inheritance. “
Invest ethically to protect future generations
When it comes to Money, savings and investments Often the nose is turned off and in many cases the financial market is demonized, thinking about it only in his speculative version. However, it is good to start looking at the world of investments with greater awareness, trying to understand that investments can also be a way to enhance their savings and support companies, governments and realities that try to make sustainable choices.
Invest savings for the future of their children in companies that aim to create adifferent economymore sustainable and more attentive to everyone’s needsis a way to create a different world, more inclusive and oriented to collective well -being. Choosing to invest your savings in ethical funds can be a small step for “vote with the wallet“, Influencing and pushing companies and governments to do their part for a paradigm change and a society more attentive to the environment and human rights.
Thinking about the future of their children, also means thinking about the society that will leave them and the climate they will inherit from the choices of their parents. A step forward in the right direction is to do aware choiceseven at a financial level, opting for sustainable solutions Not only to the supermarket, in travel and in the use of resources, but also as regards the management of their money. Putting your savings in an ethical background means investing in the future with awareness in the same way as when you decide to reach a destination close to foot or by bike instead of with the car.
As consumers in recent years we are getting used to it more and more to think (and to act) so sustainable in everyday choices: how we dress, what we eat, that we drive. Also as savers we can do the same thing, preferring funds or ethical investments that support companies that have had the courage to make field choices and sustainable and that every day aim to create a ‘Best and healthier economy.
Le informazioni relative ai prodotti finanziari presenti in questo articolo non sono una consulenza in materia di investimenti. I prodotti finanziari presentati potrebbero non essere idonei per i vostri obiettivi di investimento ed è importante capirne i rischi prima di sottoscriverli, effettuando una consulenza con personale esperto. Le informazioni sono standardizzate e rivolte a un pubblico indistinto con il solo scopo informativo.
