⏳ Reading Time: 5 minutesThe summer holidays have a funny way of making you think about your kids differently. Maybe it’s watching them hit another milestone, noticing they suddenly seem a little older as they’re only interested in hanging out with their friends, or simply having a moment to breathe once the relentless rhythm of the school run pauses.
Between managing day trips and navigating childcare, these weeks often provide a rare snippet of time to step back and look at the bigger picture. It’s the perfect moment to tackle something that easily gets pushed to the bottom of the daily to-do list: planning their financial future.
When it comes to building a nest egg for your children, you hold an asset that even the most seasoned institutional investors envy. Not a massive lump sum (that’d be nice still!) or insider knowledge, this time it’s time.
Why time outperforms capital
If you start investing for your retirement in your 40s, you might be looking at a 20-to-25-year horizon. But imagine if you open an investment account for a child when they are a toddler or better yet, a newborn: you automatically have nearly two decades before they can even touch the money. And imagine if they choose to leave it intact for a first house deposit or post graduate travelling, that window stretches even further.
