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Title: Give the Next Generation a Smart Start in Investing

United States, 30th Jan 2026 - Most adults eventually learn the same lesson about money: starting early makes a huge difference. Time, consistency, and patience can turn even modest savings into something meaningful. But one group often misses out on this advantage—the kids in our lives.Whether you’re a parent, grandparent, or caring relative, children today have a powerful asset on their side: time. Helping them begin their investing journey early can significantly improve their long-term financial outlook. Fortunately, there are several practical ways to introduce investing while also teaching valuable money habits.529 Plans: Building a Foundation for EducationFor many families, a 529 plan is the first step toward investing for a child’s future—and for good reason. With education costs continuing to rise, these plans offer an efficient and flexible way to save.A 529 plan allows investments to grow tax-deferred, with tax-free withdrawals when funds are used for qualified education expenses. Contributions aren’t capped at the federal level (though gift-tax rules apply beyond annual limits), and family members can contribute to the account as well. Funds may be used for college, graduate school, certain apprenticeship programs, and up to $10,000 per year for K–12 tuition.If a child doesn’t use all the money, the account can be transferred to another family member, applied toward student loan repayment, or redirected for future educational goals—making it one of the most flexible long-term savings tools available.Custodial Accounts: Flexible Investing with Fewer RestrictionsSometimes education isn’t the only goal. If you want to help a child save for expenses like a vehicle, travel, or a future home, a custodial account may be a better fit.UGMA (Uniform Gifts to Mino...

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