Exchange programs, studies, semesters abroad, your first apartment – there are many reasons for which your children will need money. And the occasions on which children receive money are also varied: whether for a birth, starting school, communion or confirmation – the sums that come together for such celebrations are often considerable. If invested well, they can give young people a good, worry-free start to their professional lives in the distant future. But what should you take into account? An overview: