Get your children to save and invest! Franc, an award-winning app that helps South Africans save, invest and learn about investments, has developed child accounts that parents can link to their own account. It takes a few clicks to open an account and then a few seconds more to open a linked child profile (all you need is a birth certificate). To ensure that no one is tempted to access this money, it’s also possible to lock the account for a specific time.