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Investing in ETFs does not automatically save you tax on its own -- what matters are the child's tax-free allowances. Every child has their own saver's allowance (the annual tax-free allowance for investment income) of 1,000 euros per year. Investment income up to this limit remains tax-free. If a child's investment income is likely to exceed the saver's allowance of 1,000 euros per year, a non-assessment certificate (NV-Bescheinigung) may be worthwhile. If the child's total income in 2026 is below the basic tax-free allowance, then together with the saver's allowance and the special-expenses allowance, investment income of up to around 13,384 euros per year can be received tax-free. The non-assessment certificate is applied for at the responsible tax office and generally applies for up to three years.

Children are also entitled to tax-free allowances on investment income. The saver's allowance (the annual tax-free allowance for investment income) currently amounts to 1,000 euros per year. Investment income from an ETF savings plan remains tax-free up to this limit. If a child's investment income is likely to exceed the saver's allowance of 1,000 euros per year, a non-assessment certificate (NV-Bescheinigung) may be worthwhile. If the child's total income in 2026 is below the basic tax-free allowance of around 12,000, then together with the saver's allowance, investment income of up to around 13,000 euros per year can be received tax-free. The non-assessment certificate is applied for at the responsible tax office and generally applies for up to three years.

With a „normal“ ETF savings plan at a bank or a broker, you usually invest your money in just one ETF, that is, a single index. As a rule, you have to choose this yourself. With quirion you always invest – including in a savings plan – in a complete ETF portfolio made up of several ETFs as part of a discretionary portfolio management service. These are selected by a team of investment professionals on the basis of the latest financial market research. This is how we bring almost the entire global market into your portfolio. That is not possible with a single ETF. In addition, our experts constantly check whether cheaper or even more suitable ETFs are coming onto the market and then adjust the portfolios accordingly at no extra charge. And: before investing, quirion determines your personal risk-return profile and ensures that your portfolio matches this profile – not only at the time of investment, but also on an ongoing basis through regular rebalancing.

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At quirion, custody accounts are managed by Quirin Privatbank AG, which holds a full banking licence. We invest your money in investment funds. Under German law, these are considered segregated assets (Sondervermögen). For this reason, in the unlikely event of the insolvency of the fund company, Quirin Privatbank AG or quirion, your investments are not affected by it.

Yes, of course you can change or cancel your ETF savings plan with us at any time free of charge.

Technically, your savings amount is debited with us by direct debit. This means that, at your choice, the savings amount you have specified is debited from your reference account at the start of the month or the start of the quarter. Your money is invested automatically, without you having to take care of anything else.

For you as an investor, our ETF savings plan has the advantage that you can start building your personal wealth straight away – with your very first payment – and do not have to wait until you have a larger sum of money available. It is aimed at people who do not yet have a large amount of wealth. Over a longer period, you can build up your wealth step by step. Your invested money is put to work at low cost with greater return opportunities and also benefits from the compound interest effect. A one-off investment, on the other hand, is suitable for you if you already have a larger sum of money available.

Our ETF savings plan is not only low-cost, award-winning and safe, but also offers you many further advantages:

• With our ETF savings plan, too, you can already benefit from the professional expertise of quirion's portfolio managers: your wealth is invested in a professional portfolio. Annual rebalancing ensures that your portfolio always returns to its original composition.

• Even in times of low interest rates, you can build wealth with our ETF savings plan, rather than simply parking your money in a current account earning no interest and giving away valuable return opportunities.

• With our ETF savings plan, you invest regularly and in a disciplined way. This lets you secure return opportunities over the long term, rather than making emotional decisions when prices fluctuate. Because in practice it turns out that price fluctuations are part and parcel of the capital markets. Thanks to our savings plan, however, price crashes can no longer throw you off course so easily, since quirion's portfolio managers invest your money systematically even when prices are low.

• Our ETF savings plan also has the advantage that you do not have to actively step in to bring your portfolio back into balance. That is because quirion's portfolio managers always invest your monthly savings instalments in such a way that your original portfolio composition is restored. So we can take care of this so-called rebalancing directly when you top up regularly.

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