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Julian | Would you pay someone to set-up your child's investment portfolio? |
so your child would have a million dollars by retirement age by investing just a few $/month through-out their lifetime? |
 |
 
CONJ
 |
Yes, and no.
UTMA's and UGMA's, or college savings plans, are good vehicles to start financial growth for young children. I was left with an UTMA from my grandfather when I was 14, which was run by a professional investment company. It was worth almost $50k when it was left to me, but when I finally accessed it at age 23, it was worth $19k, because the "professionals" neglected to diversify it. I took it and within a couple years I grew it to over $40k. This is why I say "no" initially to pro management, but with the markets at such lows, starting now would be a good, or even great idea, since in 20, 40, or 60 years you should see huge growth. If you have any financial know-how, doing it yourself can be as easy as taking a couple weeks to do your own research.
You say retirement, but if you're child is younger than 12, you'd be wiser to help them save for college. I had no college savings, and now I'm left with $115,000 in student loans, $1,100 per month of my income goes to paying these off. If your child can go to a good college with little or no student loans upon graduation, you will have essentially set them up to retire very comfortably, since they will likely get a great job, with great retirement benefits, and they'll be able to contribute to their own retirement with no debt to handle. It is so much better to have no debt then to have a healthy retirement account you can't touch, and debt to go with it.
With that being said, saving for retirement is great, but you're better off starting them off with money they can use when they're responsible enough to use it wisely. If you are certain that you want a retirement account for your minor, then check out IRAs for minors. Some places will offer them, but like I said, you're better off starting them off on the right path financially with money they can use for college, or a down payment on a house, or to start their own business. If you teach them proper money management, and help them limit their debt in their younger years, they'll be multimillionaires by retirement on their own accord, knowing you gave them a shove in the right direction.
Good luck! |
|
iffley
 |
First of all, I don't think it's my job to plan for my child's retirement. They need to decide it's important and make the decisions necessary. If you do this, it should be with the expectation that they may not follow through with your plans.
Secondly, I'm not a fan of hiring financial professionals. This isn't rocket science, and financial professionals often have a financial incentive to gear you towards certain investments that may or may not be right for you. Picking a low-cost index fund is straightforward, and statistically, you'll come out ahead. |
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jaquez
 |
Lets assume your child is in the womb right now. First I'd set up a College 529 Plan in your state. Some will give you a state income tax break and some will even match a certain amount if you meet income requirements. Now, at least part of their or all of their education will be taken care of without taking out too many dreaded loans or competing for dwindling grants and scholarships. Also, take a look at www.upromise.com to see how everyday shopping can contribute to a 529 Plan.
Next set up other accounts with AGGRESSIVE GROWTH indexed mutual funds at Vanguard. And make it more conservative when the after age 12.
When they turn 16 or whenever they start to work open a ROTH IRA with Aggressive Growth Funds to try and max it out (currently $4000 per year). Why? They can take a one time deduction to buy their first home.
This is just a quick start. But I suggest Ernst & Young's Financial Planning Guide. Its advises you on every decision you'll make from cradle to grave. |
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Prosper
|
I don't think you need to pay someone to do this. Mind you, I am not a financial advisor but I think the easiest thing to do is to invest in an index fund. Most mutual fund companies (such as Fidelity, American Century, etc.) have such funds. The idea is that you're buying to a stock index like the S & P 500. So, your chances of duplicating the performance of the index are much greater than investing in individual stocks or other mutual funds. The reason this is important is because many mutual funds use the S & P to gauge their performance. Beating the S & P over time proves to be very difficult so you might as well duplicate its performance.
A good book to read on long term investing is A Random Walk Down Wall Street (linked below). If you start early enough you can build quite a nice portfolio with an investment on around $100 a month. Even $50 is good and of course anything is better than doing nothing! |
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canonize
|
Yes, if I was able to afford the cost of the advisor. It makes a lot of sense to go with someone who knows what they are doing in an area when you don’t have the expertise yourself. I would make sure this was a person who knew what he/she was doing and probably one who came with a word of mouth recommendation from a friend or family member.
I suppose, though, it would depend on what your plans are. There are many things you can invest in right at your local bank. There is still a fee for it, generally. I would go and talk with them about it first, I think.
A financial advisor might be able to advise you on the best way to deal with the money to avoid the taxes on it, also.
We have never regretted investing in our daughters college education when she was just an infant. We invested about $7000 which has paid for her full 4 year college education now. What a deal! Planning ahead is so important in things like this.
An interesting website pertaining to kids and money:
http://www.richkidsmartkid.com/ |
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