Investing for kids

Kickstart your kid’s financial future

A head start for your kids with InvestSMART

Investing for your kids is a great way to set them up for financial success. It’s never too late (or too early) to teach your kids about money. InvestSMART makes investing for kids easy and accessible.

It might be school fees, extracurriculars like music or a home deposit when they’re older. Investing helps your kids to help themselves in the future.

Effie Zahos, Money Commentator & Director

How to invest for your kids

Here are some easy ways to invest for your children

Exchange Traded Funds (ETFs)

ETFs let you invest in a huge range of companies in one transaction. You can own hundreds of Australian shares, international shares, bonds and more. They’re a great low cost option to create a diversified portfolio.
Learn more about ETFs
InvestSMART portfolios

Our investment portfolios are diversified across 5 different ETFs. You get access to the investment returns of hundreds of the best Australian and global companies. We manage everything for you, taking the hassle out of doing it yourself.
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Fundlater

Invest $4,000 and get a $10,000 investment portfolio. We loan you $6,000 (no margin calls) and you pay us back over 20 months. Fundlater helps you take advantage of compound returns and encourages you to focus on long-term investing.
Learn more about Fundlater

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InvestSMART Portfolios

Choose from our 5 professionally managed ETF portfolios ranging from conservative to high growth. A diversified portfolio has the potential for both long term growth and income.

InvestSMART

High Growth

Invest in the best companies across the globe as well as property, infrastructure and bonds. This diversified ETF portfolio aims for long-term capital growth with greater exposure to shares. Good for kids as they have time to ride out the highs and lows of investment markets. Investment timeframe: 7 + years

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InvestSMART

Growth

Similar to the high growth portfolio but with more defensive assets such as bonds to buffer your investments against dips. This diversified portfolio of ETFs aims for long-term capital growth. You need a higher risk tolerance. Good for kids’ portfolios as they have time to ride out market volatility. Investment timeframe 5+ years.

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InvestSMART

Ethical Growth

Invest in the world's best companies but on your ethical terms. This diversified portfolio of ETFs aims for long-term capital growth from companies that meet environmental, societal and governance filters. A good option for kids’ portfolios as they have time to ride out market volatility. Investment timeframe 5+ years.

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InvestSMART

Ethical High Growth

The Ethical High Growth Portfolio is all about helping you build long term wealth and achieve goals with a timeframe of 7-years-plus to ride out the ups and down of markets.

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Invest in your kids education

Kids education savings calculator

Education is the best investment. Use InvestSMART's calculator to see how much you need to invest to help fund your child's education.

InvestSMART portfolio planner

Start investing for you child in 3 easy steps

Simply tell us how long you plan to invest, your goals, savings and other investments. We’ll recommend a suitable investment portfolio for you.

Set financial goal

Portfolio HealthCheck

Get investment plan

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Investing for kids insights

Building wealth for your kids

Want to give your child or grandchild a financial head start? Here's a look at how you can do it - starting with just $50 a week.

How Paul Clitheroe is investing for his grandchildren

Paul Clitheroe's grandchildren are one, two and three years old but as Paul knows, it's never too early to start investing for their future - whatever it holds.

Empowering Future Generations: Investing for a Legacy That Lasts

One of the most rewarding parts of investing is knowing that the investing you are doing today, could be helping others in the future.

How much does it cost for a child's education?

With the cost of education continually rising, it certainly puts the squeeze on the family budget. We look at what choices are available to give your child a great education.

Am I better off using a scholarship fund or ETFs for my kids' education?

As every parent knows (or soon finds out), putting children through 13 years of school involves a relentless pattern of dipping into your pocket. Is a dedicated 'education' investment the best way to pay for it all?

How to teach your kids about money (and why it matters)

In recent years, there's been a push to teach children financial literacy, and rightly so. We know that money skills and healthy financial habits learned in childhood can lead to a lifetime of good financial decisions.

How do I invest for a child?

This webinar is all about investing for the next generation, whether you're investing to pay for school, to give your child a head start or helping out the grandkids.

Helping the kids on the path to home ownership

What options are there to help your children save for a deposit?

Retirement, an uncertain market and the kid's future

A client's question about retirement and helping his child save for a home deposit whilst dealing with an uncertain future.

So your kids want to be millionaires? Show them how with one chart

Getting your kids to start investing early can make a big difference to their financial future. Here's how to convince them

How to develop an investment strategy when you have different views on risk

Money has a well-deserved reputation for driving a wedge between couples. But aiming to find common ground for investments can bring its own rewards.

Should mum and dad help me buy a house?

Many first home buyers have borrowed from the bank of mum and dad. Chances are you know friends who have or plan to ask yourself. Here are some tips to help kids and parents avoid the pitfalls of lending to family.

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Brett

“Easy to establish a fund, alter if need be, track the performance of the fund and also include your other investments so you can track your entire investment portfolio.”

Eric

“Information provides great food for thought and reviews assist in making investment decisions. Site is easy to navigate and is my first go to place for company and investment information.”

Mervyn

“Great experience and very helpful staff when I ring up to sort an issue. I could not get a better service anywhere.”

Ray

“Very easy to get started and the dashboard is great to see which ETFs my money is invested in. Fees are also very cheap compared to other investment funds.”