Should I open a savings account for his child?
A pledge of serenity
A lot of parents (and grandparents) make the move to open a savings account at their child since birth. It's a simple and effective way to save money and think about the future with peace of mind: something to make a first contribution to buying a studio, or paying for higher education in a private school. .. Blocked until the majority of thechildor his 25 years, the money saved is not likely to be "squandered" at the first whim. What to reassure parents worried ...
Winning placement
On the tax side, parents who wish to open a savings account for their child will be filled. Indeed, the banks offer many very advantageous formulas whether it is a simple tax-exempt A booklet but limited ceiling (1600?), A tax exempt PEL for the first 12 years, Or other. Finally, the donations of parents à children entirely escape the tax levies in the limit of 159,325? per parent every 10 years.
No obligation
If the placement for its children is positive in many ways, there is no obligation. Some parents may prefer to give pocket money to their children when they are old enough to understand the value of money, others will want them to do odd jobs ... In any case, staying true to your principles will not make you feel guilty woolen stockings for your children and above all, come to their majority they will understand your project!
