Real money
Real stocks
Designed for ages 8–18
The Platform for Young Investors
Give your kids the 20-year head start you wish you'd had.
Invest in your kids. With your kids.
Launching later this year.
Kids learn about money too late, or never.
YES gives kids aged 8–18 their first real investing experience.
They discover companies, learn how investing works, and pitch the stocks or ETFs they want to invest in.
You set the budget and approve every investment.
Young Early Starters is all about:
Real stocks
Real money
Their decisions
Your approval
Don't save it for their 18th. Start it on their 8th.
Less than one in five EU citizens has high financial literacy. Schools rarely teach investing. By the time most kids meet the stock market, they’ve already lost a decade of compounding.
YES is built for children who want to learn to invest in real stocks with parental approval.
Today’s investing apps are made for adults. Today’s kids’ apps are made for spending, not building. Neither teaches the habit that matters most: investing patiently, over time.
The cost of waiting.
At historical market returns, 20 extra years of compounding could triple a portfolio at the same monthly contribution. Markets can fall as well as rise, and past returns don't guarantee future ones. What your child gets either way is 20 years of learning how real market cycles work, starting long before their first salary. You can't get those years back, but your child can have them.
Finally, an investing experience made for kids and teens.
Most Junior Depots let parents invest for their children.
YES lets children learn to invest with their parents.
How YES compares to a Junior Depot
Traditional Junior Depot
YES
Parent chooses the investment
Kid researches and chooses
Parent places the order
Kid pitches the investment
Child sees a portfolio
Child learns how the portfolio works
Investing is something adults do for them
Investing becomes something they learn to do
Education is optional
Learning comes before investing
The stock market app for kids, with parents in control.
YES is an investing platform where children aged 8–18 choose real stocks and ETFs, while parents approve every investment and remain in full control.
Why YES works with real money
You can't learn to swim without getting in the water. With real shares, your kid learns patience and what a market dip actually feels like. No simulation does that. You set the budget and approve every trade.
Parental control
Real investments
Education first
Over 300 lessons.
15 domains.
One growing investor.
Other apps bolt a few videos onto a debit card or a trading platform. We built a full curriculum and pedagogical framework supported by real investing because you need to have skin in the game to learn.
Kids learn before they meaningfully invest. The daily activity is learning. Investing is the occasional, deliberate event.
The real market-movements let kids learn what it really feels like.
Piaget
Bloom's Taxonomy
Dweck
Vygotsky / ZPD
Half-Life Regression
Bruner
Mayer
Kolb / Dewey
Surma / Wijze Lessen
1.
Your kid pitches a company they believe in and explains why.
2.
You review the pitch and approve or decline.
3.
You set the budget and the limits, and legally own every stock or ETF.
Say YES early
Get on the list. Be one of the first families in line.
Why we started YES
Kids can code, build audiences and run businesses at 12, but most of them first learn about investing at 40. The years in between are worth the most, because money invested at 12 has the longest time to grow. Fewer than one in five EU citizens has a high level of financial literacy, and three out of four investors are men. We want every child, girls as much as boys, to grow up confident that they can invest and ready for the money decisions life brings.
Kids learn to swim in the water, with someone they trust close by, and YES teaches money the same way. Your child invests real money in real companies, and you approve every trade. We made YES fun, and we built it to reward patience, effort and long-term thinking over quick wins. We care more about the skills your child builds than about the returns.
Bart comes from Bolero, Belgium's biggest broker. Dennis was chief designer at icapps, one of Belgium's largest digital agencies, and Mathieu was Chief Product Officer at the crypto robo-advisor Osom. For the past seven years, the three of us built investing software for banks at InvestSuite. Now we are going back to our roots to build the best platform for young investors, our own children among them.
Everybody says kids can't invest. We say YES.
Can kids invest in stocks?
Yes. Kids can invest in real stocks and ETFs through YES, with every investment reviewed and approved by a parent. Children don't need to wait until they're 18 to learn how investing works. With YES, children aged 8–18 explore real companies, learn about stocks and ETFs, and propose investments they believe in. Before anything happens, your child explains their reasoning to you, and you approve, decline, or send it back. As a parent, you're always in control and can set limits on how much and how often your child invests. Your child gets the real experience of proposing investments, but nothing happens until you approve it.
Is it real money and real stocks?
Yes. Every investment in your child's portfolio is a real, fractional share of a real listed company, held in custody by our regulated broker partner, under whose licence YES operates.
Is there a risk of losing money?
Yes. Like any investment, the value of stocks and ETFs can go up or down, and your child could get back less than was invested. YES doesn't give investment advice or recommend what to buy. You and your child make the decisions together, and nothing is invested without your approval.
How does the approval system work?
Your child submits a short investment proposal: what they'd like to invest in, how much, and why. You see it with full context: the stock, the amount, their reasoning. You approve, decline, or send it back for changes. The investment is placed only once you approve it.
What's the minimum to start?
You can start investing from €1 per trade. The monthly subscription you pay as a parent is €9.99.
Who owns the stocks?
You do. As the parent, you're the legal account holder, so the account stays in your name while your child is a minor. The investments are real and held in safekeeping by our regulated broker. You invest on your child's behalf. Our plan is to let the account transfer into their name once they turn 18, subject to the rules that apply then.
Where is YES available?
We're launching in Germany later this year and plan to expand to other countries after that. Join the waitlist and we'll let you know when your country opens.
Be first to give your kid a 20-year head start.
We're launching soon. Be one of the first families in line.
Join the waitlist