Junior Depots Zurich Insurance Group Juniorinvest Zurich Insurance Group Juniorinvest
Minimum savings rate
€25
Depot consulting
e-mail
telephone
branch
Interest for clearing account
2 %
Type of depot
Passive
Type of provider
Direct Bank
Customer support
Yes

Number of savings plans varies depending on location

Deposit fee
0.25 %
Execution cots savings plan
2.80 %
Order costs one-time investment
Costs of savings plans varies depending on location
Minimum age
0 Years
Application only by legal guardians
Yes
Online application possible
Yes
Online contract conclusion
Yes
Postal application mandatory
No
Postal contract conclusion mandatory
No
Application via document submission
Yes
Application in store mandatory
No
Identification procedure
Yes
Specials

✓ Secured by BaFin (Federal Financial Supervisory Authority)

Alternative

  • Consorsbank Junior Depot
    Deposit fee
    free
    Minimum age
    0 Years
    Minimum savings rate
    €10
    • Including savings account
    • eID verification possible
    • 18 ETF savings plans without plan fees until 2030
    to Provider all Details

    Juniorinvest – The Zurich Junior Depot compared

    Rising everyday costs increasingly hinder parents from supporting their children’s financial future and making sustainable investments. Juniorinvest is a junior depot from Zurich Insurance Group, focusing on investment opportunities for young investors and their guardians. It provides young people and parents with supported access to profitable saving and investing to achieve long-term financial goals. Zurich's Junior Depot aims to offer a broad range of investment options tailored to the individual needs and risk profiles of young investors and their guardians.

    Discover our comprehensive analysis of Juniorinvest and the profile of Zurich Insurance Group as a depot provider below!

    Costs of Juniorinvest

    With monthly contributions starting from just €25 and a depot fee of 0.25% per depot volume, you can achieve your financial security early. You also have the option of a one-time payment of up to €5000. During the savings phase, you have the freedom to make additional deposits or withdrawals to adjust your financial situation as needed. Additional fees may vary by location, so individual consultation with the provider is recommended. General costs can also vary significantly due to a range of additional protections, such as optional capital protection.

    Special benefits of the Zurich Junior Depot

    Juniorinvest stands out with numerous advantages that can be tailored to the desires and goals of the investors. This includes individual savings plans, tax benefits, and various depot models.

    As a customer, you have the freedom to determine the investment strategy. You can manage the investment yourself, switch for free, or have it managed by experienced experts. Attractive investment funds, low-cost ETFs, and sustainable ESG funds are available. Details on these benefits are explained below:

    Depot variants

    Within Juniorinvest, investors can choose between two main categories to create an individual savings plan tailored to their needs:

    Juniorinvest Ausbildung

    A financial plan can make a crucial contribution to better educational opportunities for your child. The Juniorinvest Education plan offers a stable solution with the following benefits:

    • Focus on Educational Goals: The aim of this plan is a payout in young adulthood to cover high costs such as education, studies, or a driver’s license.
    • Savings with Small Contributions: This savings plan allows you to invest monthly with small amounts.
    • Tax-Free Payout: The payout is tax-free as long as taxable income is below the exemption limits. Note, however, that the income may affect the child’s coverage under the parents' statutory health insurance.
    • Protection Options: Juniorinvest Education plan offers protection options. By taking out the plan as a parent, you can integrate death protection, which provides additional security for your child in case of a parent's death.

    Juniorinvest Rente

    With the Juniorinvest Pension plan, you have the opportunity to benefit from successful long-term wealth building and secure your child's future. The advantages of Juniorinvest Pension are numerous:

    • Foundation for Child's Pension: Juniorinvest Pension plan lays the foundation for your child's financial security in old age.
    • Additional Payments Possible: External contributions, such as monetary gifts from relatives and friends, can further support wealth building and are easily transferable.
    • Withdrawals During Savings Phase: Flexibility is crucial. Under certain conditions, you can withdraw money during the savings phase, for special occasions like a wedding.
    • Contract Takeover by Child: Once your child reaches adulthood, they can take over the contract and continue their financial planning independently.
    • Tax Benefits: Juniorinvest Pension plan offers tax benefits, such as exemption from capital gains tax and lower tax burden in retirement.

    Depot models

    After choosing one of these two plans, investors can select from three depot packages that include specific securities: these three models are "Plus," "ESG," and "ETF Climate Focus," each offering unique advantages and features. All models are managed by Zurich’s financial experts, minimizing the risk of bad investments.

    • Plus: A proven model for investors at Zurich, offering a balanced mix of equity, bond, and mixed funds covering a broad spectrum of investment opportunities.
    • ESG: Designed for environmentally conscious investors, this sustainable variant emphasizes environmental, social, and governance criteria, investing in funds with environmental certifications to contribute to a more sustainable future.
    • ETF Climate Focus: A cost-effective and sustainable model featuring cost-efficient Exchange Traded Funds (ETFs) with a focus on climate-related investments, enabling you to achieve financial goals for your children while contributing positively to climate protection.

    For investors who wish to trade independently for their children, it is also possible to opt-out of these packages and invest individually within all four risk groups.

    Offer and tax benefits of the Junior Depot at a glance

    In summary, the following offers can be noted:

    • Investors first choose the plan focused on either the child’s education or pension. If interested in having the depot managed by financial experts, three depot models can be selected.

    • During the savings phase, your earnings are exempt from capital gains tax, which can increase profits. Additionally, state basic security is not fully counted in pension payments, providing additional financial flexibility and security. Lastly, switching funds is free of charge and tax-free.

    Is Zurich Insurance Group a safe depot provider?

    Zurich Insurance Group is considered one of the leading insurance companies worldwide with strong financial stability, also as a stock seller. It is regarded as stable and trustworthy. With decades of experience, international presence, and many locations in Germany, Zurich demonstrates expertise.

    With a team of over 800 Risk Engineers worldwide, Zurich ensures that customers benefit from comprehensive risk assessment and management. Additionally, a large portion of DAX companies is insured by Zurich Group, demonstrating the company’s significant influence and trust in the stock market. Zurich is also regulated by the Federal Financial Supervisory Authority (BaFin), adding another layer of security for customers.

    Zurich offers customers a comprehensive range of services and support through a globally operating network of experts, ensuring that customers are optimally introduced to the world of stocks.

    Evaluation: Is Juniorinvest the best financial investment for children?

    Based on the information about Juniorinvest and Zurich Insurance Group as a depot provider, it can be concluded that Zurich is a solid choice for parents looking to plan their children’s financial future long-term. Juniorinvest offers a broad range of investment options tailored to the individual needs of young investors. With variants like "Juniorinvest Education" and "Juniorinvest Pension" and the various depot models "Plus," "ESG," and "ETF Climate Focus," parents have the opportunity to develop a customized investment strategy with trained professionals.

    The low monthly contributions starting from €25, a depot fee of 0.25% of the depot volume, and the option of a one-time contribution up to €5000 make Juniorinvest accessible and flexible. Additionally, various protection options and tax benefits offer additional security and financial flexibility.

    Zurich Insurance Group is seen as a trustworthy and stable depot provider with a highly qualified network of risk engineers and claims experts. Regulation by the Federal Financial Supervisory Authority (BaFin) provides additional security for customers.

    Overall, Zurich Insurance Group offers a reliable foundation for young investors to plan their financial future and achieve long-term goals.


    To find the right junior custody account, parents should compare several providers. Discover more junior depots in our tests!

    What are the benefits of the Juniorinvest depot from Zurich Insurance Group?

    The Juniorinvest depot offers numerous benefits, including individual savings plans, tax benefits, and various depot models. Investors have the freedom to determine their investment strategy themselves or have it managed by experienced experts.

    What costs are associated with the Juniorinvest depot?

    Monthly contributions start from €25, and depot costs are 0.25% of the depot volume. Additional fees may apply depending on location and selected protection options.

    Is Zurich Insurance Group a safe depot provider?

    Yes, Zurich Insurance Group is considered one of the leading insurance companies worldwide and is regulated by the Federal Financial Supervisory Authority. It offers a comprehensive network of experts and strong financial stability.
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