1. Create a family and child profiles
A parent creates the private family space and a minimal profile for each child. Other adults can be invited as Owner, Admin or Viewer.
How Generavio works
Generavio turns a simulated family investment journey into understandable steps. No real money is transferred and no security is purchased.
2. Record where money came from
Allowance, birthday money and family contributions are recorded with a category, source and date.
3. Use cash deliberately
A contribution initially remains cash. It can fund a simulated ETF purchase or be withdrawn. A withdrawal never sells ETF shares automatically.
4. Simulate an ETF purchase
An ETF is chosen from a small curated selection. A confirmed delayed Xetra price converts cash into calculated shares.
5. Review progress together
The chart separates total wealth from contributions, showing which part came from the family and which part came from market movements.
6. Discuss the events
The Investment Story describes contributions, purchases, withdrawals and calm milestones chronologically. It supports a family conversation and does not replace advice.
Why transactions are the foundation
Generavio calculates cash, shares and history from recorded transactions. A later purchase must never alter earlier values. If a price is missing, the value is marked incomplete instead of silently using zero or a future price.