A savings account for your child is a waste of money.

To begin with - who are Hans and Patricia?

Hans and Patricia are at the beginning. Patricia has a daughter, and together they are having their first child. Hans earns well and invests heavily.

They don't have a large amount of wealth tied up yet — they are in the process of building it. And that is exactly their opportunity.

The problem — the savings account that yields nothing

Saving to save yields little.

Most parents open a savings account for their child. A modest amount each month, and after eighteen years there is... just not enough for an education. The interest is negligible, and what does grow ultimately ends up in box 3, where the tax authorities nibble at it annually.

Hans and Patricia wanted it differently. Not saving for the sake of saving, but building towards something that truly matters in the future.

The solution - each child has their own limited liability company

The Silver Fleet BV

They chose Zilvervloot BV: each child has their own BV. Hans and Patricia donate a fixed amount each month — a total of €500 per child per month, well within the annual gift exemption, so without a cent in gift tax. That money goes directly into the child's Zilvervloot BV.

The shares belong to the child. The management is in the hands of the parents. This way, the children's wealth grows over the years, funded by Hans's income, which is ample enough for this.

Just counting — what will it be?

± € 108,000 own contribution in 18 years ± € 240,000 value per child after 18 years € 0 inheritance tax — immediately to the children

Amounts are approximate, based on an average return — for illustration purposes only, not as a guarantee.

€ 500 per month, invested and not sold in between, grows to about € 240,000 per child over eighteen years. The own contribution amounts to about € 108,000 — the rest is accrued yield. No more a savings pot, but a starting capital. And because the investment is not sold, it grows tax-free. Only when something is eventually sold, does the tax come into play.

Why this is so powerful

Nothing to repair — it's starting off well

This wealth arises immediately with the children. It has never belonged to the parents to pass on — so there will also be nothing to burden with inheritance tax later. Where others have to transfer or inherit wealth with a lot of hassle later, it starts for Hans and Patricia already in the right place.