9Lun·

Practice makes perfect: The first share portfolio for my son

I think it's never too early to get to grips with the capital market - and that's also true for my son, who will soon be five years old. In a world where financial education is often neglected, I want to give him a feel for long-term investing at an early age.

The basis of his portfolio is a classic MSCI World ETF, which I save with a monthly savings plan of €100. This gives him broad diversification right from the start and allows him to benefit from the long-term growth of the global economy.

I also invest in individual shares that have a direct link to his everyday life and make it easier for him to enter the stock market world. These include:

- $MCD (+1,75 %) (McDonald's) - A company that almost every child knows and has a strong global presence.

- $CAT (+1,14 %) (Caterpillar) - As a little excavator fan, this is a must in his portfolio.

- $TNIE (+1,73 %) (Tonies SE) - He uses the Toniebox every day, so why not invest in the company too?

- $MAT (+3,82 %) (Mattel) - With strong brands such as Hot Wheels and Fisher-Price, a company that supplies many childhood products.

I'm less interested in short-term profits than in teaching him through play that companies he comes into contact with every day can also be traded on the stock market. In the long term, he can experience how investments grow - and hopefully learn to appreciate the value of long-term thinking and sound investments.

28 Comentarios

CrashBurner@Psychedelic_Sunflower

9Lun

A great idea. Every child could wish for that.

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wealth_maximizer_149@wealth_maximizer_149

9Lun

I think you should let a child be a child for as long as possible, after all they will have to take care of all the "adult" stuff soon enough. I think you can start at 15, but it just doesn't make sense before then.

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Peter@Beeferking76

9Lun

$D5V0 more expensive in TER, but clever long-term strategy, I save for my kids

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David@Redfox77

9Lun

Perhaps $LLY or similar to go with $MCD?

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Echsenkönig A.@Bezehgombjuderstimme

9Lun

It's the same situation for me. I'm currently building up my portfolio and wanted to create one for my son with world ETFs. For the sake of simplicity, I had thought about saving in just one ETF, but I wanted to use one that also includes emerging markets.
I think the idea with the shares is really good. I think I could do that too 🙏🏻

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Aktienmasseur@Aktienmasseur

9Lun

It's nice to teach the child counterproductive stock picking. How many investors perform better with individual stocks than with an ETF?

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InvestmentOma@market_sorcerer_985

9Lun

What a great idea!!! This is exactly what I have in mind for my grandson. I've set up a €50 savings plan for him with inflation compensation in an MSCI ACWI, just in time for his birthday. The individual shares are another bonus to introduce him to the world of money early enough and in a fun way.

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Melly@melly-m

9Lun

At the time, I took my children around the apartment and showed them everything that comes from an exchange-traded company.
Both have a securities account with an all World ETF. They always want to know how the portfolio is doing and the little one (11) often voluntarily puts money she has saved into the portfolio.

The older one (13) is now allowed to go to a trade fair for the 3rd year. It's the highlight for her, as we also meet some friends there who invest.

Both of them now know a few companies and are already making suggestions about what to buy in mummy's portfolio.

Of course, there's no compulsion and they don't have to. But if they want to know something or have suggestions, we talk about it

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user5ca946a11b6a4278@user5ca946a11b6a4278

9Lun

A good idea, but I would simply save 1-2 ETFs. MSCI world quality + nasdaq, for example.
And don't forget Bitcoin.

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Epi@Epi

9Lun

As long as everything goes up, that's all well and good.
But what does it do to a 6-year-old when he sees that the €100 savings installment is lost at the end of the month due to price losses and that over many months?
There are two sides to everything. You should at least consider that.

Otherwise, good plan!

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ECB_Hater@ECB_Hater

9Lun

Cool idea! 🚀

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Haberlapp@Haberlapp

9Lun

It's ok to help the next generation with an ETF for later. Individual shares and gimmicks perhaps with a demo account....

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Diogo T.@DCTAVARES

9Lun

If you dont mind, your son´s portofolio, is in your portofolio right?
Im askinng cause not while a go i was searching for a way to invest a small amount every month for my son , to give it to him on his 18th birthday, its not legal in my country.

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Markus H.@m_homm

9Lun

I think that's great! Since our son was born, I've been putting the child benefit plus 100 euros into MSCI world, S&P and Dow. I'll just let it run for him until he's 18 years old.

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MaikelKnight@MaikelKnight

9Lun

I take a very similar approach and save for my two kids (7 & 10) in junior custody accounts with a world ETF (90%) and a dividend ETF (10%). The dividend portion is also only for the purpose of utilizing the tax-free allowance.

You know that you have a custody account. If you really want to know more about it, I am completely open. So far, it's (fortunately) completely within reason. My junior would probably blow it all on LEGO and dinosaurs. This "adult stuff" will come soon enough and when I feel that the money topic has been at least roughly understood, they can do what they want with it.

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Börsenguru@Boersenguru

4Lun

That's a great idea. I also think it's very good if children are introduced to the world of finance, investment, the stock market, etc. as early as possible. I think that the subject is unfortunately given far too little attention in schools.

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9Lun

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Thomas Z.@MisterFogg

9Lun

@Nobody_123 Thanks for the tip, I have adjusted the image 😊

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