Loan

Greater social justice worldwide – funded flexibly by your investment

Effective support for young people’s life chances — simple and secure

With a loan with the ChildInvest Foundation, you can easily invest in a better future for children and young people all over the world. This way, you can put money you don’t need in the short term to immediate and effective use for greater social justice. While your funding goes directly to SOS Children’s Villages programs around the world, you retain your flexibility: you can increase the amount of the loan amount at any time, convert it into a donation, or arrange for it to be paid back to you upon agreement.

Attributes of a loan to the ChildInvest Foundation

A loan to the ChildInvest Foundation is interest-free, can be repaid flexibly and can be converted into a donation at any time. The capital itself remains intact and is available to you for your own purposes whenever required. The minimum amount for a loan is EUR 10,000.

What are the benefits of making a loan to the ChildInvest Foundation?

    • Simple and versatile: you can increase the amount, withdraw your loan or convert it into a donation at any time.
    • Universally usable: as the loan isn’t earmarked for a specific purpose, the interest income it generates can always be used where it is needed the most.
    • Low minimum amount: unlike a trust foundation, loans are available with a minimum amount of EUR 10,000.
    • Your capital is preserved: only the interest income it generates are invested in the programs of the SOS Children’s Villages worldwide.
    • Security: our bank guarantees the funding you choose to provide.

How can I make a loan to the ChildInvest Foundation?

Making a loan to the ChildInvest Foundation is easy. We will work with you to draft a loan agreement which is tailored to your charitable goals and specific requirements. Please feel free to contact us for a personal consultation about all the support options we offer. 

Further questions about the granting of loans

Answers to frequently asked questions about the granting of a loan to the ChildInvest Foundation are provided here. 

How does the ChildInvest Foundation ensure the security of the funding I provide as a loan?

Protecting your capital is our top priority. Therefore, we only use investment vehicles that have been reviewed for their security and are widely diversified. The allocation to equities, compared to fixed-income securities, is capped at 45 percent of the portfolio in each case.

Our bank also provides a guarantee for your investment. The ChildInvest Foundation bears the investment risk. If you decide to withdraw, the full loan amount of your loan will always be returned to you.

Why is a minimum amount of EUR 10,000 required for endowment funds and loans?

To ensure that your investment has the greatest possible impact on the selected projects, it is important that the administrative costs remain proportionate to the investment returns. This minimum amount is therefore necessary.
 
For amounts of less than EUR 10,000, we recommend either an endowment to the ChildInvest Foundation or a donation to the SOS Children’s Villages worldwide.

If I need my capital back, how quickly can I access it?

You initially make your loan available to us for a minimum period of 12 months. After that, you can withdraw from the loan agreement at any time. You will also have the option to request the repayment of just part of your loan.

You can also increase the amount of your loan at any time as soon the funds are available for you to do so.

Can I be certain that my money is being invested ethically by the ChildInvest Foundation?

It is very important to us to invest your money not only securely but also ethically. We ensure this through clearly defined investment guidelines that take sustainability criteria as well as social and ethical standards (ESG criteria) into account.

We do not invest in companies in the defense or nuclear energy sectors or in countries where child labor is permitted, for example.

Can I also donate or bequeath the amount of the loan?

Yes, several options are available here. You can stipulate in the loan agreement, for example, that the loan is to be donated to the ChildInvest Foundation when you die. During the term of the loan, you also have the option to convert all or part of its amount into a gift at any time.

You can also add or remove relevant provisions at any time during the term of the loan.



Contact

Please reach out to us! We look forward to hearing from you and answering your questions about working with us.

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