Читать книгу Money Mammoth - Ted Klontz - Страница 55

While opening and feeding a traditional savings account is a way of saving, the ideas of investing and the long-term effect of compounding can easily be integrated, and in our opinion, probably should. As such, we encourage the inclusion of an investing bucket. This could be called a “financial freedom” account or something of that nature. The teaching opportunity here lies in the concept of delaying immediate and intermediate gratification for a long-term goal. Ideally, this goal would be that of financial freedom, where the money is kept in an investment account in perpetuity with the eventual goal of having it spin off income so that your child could be free from the need to work for money at some time in the future. Given the research on actively managed accounts and index funds, you might want to be conscious about how you are teaching your children to invest when they become old enough to consider such information. Given that index funds outperform actively managed funds 80% of the time, unless you are a professional investor, you might want to teach your children to put their investments in a diversified index fund approach versus teaching them to pick individual stocks of companies. The articulation and reinforcement of financial best practices can go a long way to laying a solid financial foundation for your children into adulthood. Since they are going to remember and store beliefs about money, it's best to make sure those beliefs are founded in best practice.