In the past, when there was still interest, grandparents liked to put money for their grandchildren in a savings account. Then it increased a little every year. Or they immediately concluded a bank savings plan into which they regularly paid money and which also produced a certain amount of income. But in times of permanent zero interest, something like this no longer makes sense - inflation alone eats up wealth here over the years. Nowadays, the financial advisors of the credit institutions are happy to offer training insurance or similar financial products. The goal: up to a certain age, an amount X is to be saved up, which is then available to the child as support during the period of training or studies. But what actually sounds interesting is not. But above all, expensive. Much more lucrative is a completely different way.