I spent a few years working as a stem cell biologist, and agree with what's been already said: right now there's nothing they can be used for, but there is a small possibility that in the future stem cells harvested from the placenta may mean the difference between life and death for your son or daughter. However, before investing in this it's important that you understand the probabilities: it is most likely that your child will never be in a situation requiring a cell or tissue transplant (which is a good thing!), and even if they are, the technology to use stem cells to help them may not be available. As Lou said, it may be worth doing this simply for the peace of mind that comes from knowing you've done everyone you could in the event something does go wrong. The most likely outcome is that they will sit in a stem call bank forever and not be used.
Regarding your concerns about possible bankruptcy of the company, the cells will be stored in liquid nitrogen, and if the company does go under you should be given the option to retrieve them and have them stored in another facility; done properly, this transfer wouldn't change the biological characteristics of the cells in any way. (Mind you, you can't do this yourself directly: it will require a tub of liquid nitrogen.) To set your mind at ease, it might be worth asking companies directly what their policies are in the event of financial difficulties.
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The price and service are almost the same everywhere, i.e.: (~3000Chf + 20Years of Crio, and 1000 Chf for the next 20). The question is how reliable are these companies (good infrastructure, financially stable, etc)? Since no one can predict global ecnomy during the next 20 Years, one of our concerns is what happens if the company runs out of business (bankruptcy or alike)?
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