From birth to twenty-five
A fund opened at birth and fed every month is the quietest way to change a child's life. Here is what the numbers do.
No. It is a compound interest calculator with a timeline. Which product, which structure and which tax wrapper are questions for your adviser and depend on your country.
Long-run diversified equity returns have been 6 to 8 percent nominal, bonds 2 to 4. We default to 5 percent, which is deliberately cautious.
Read next
Money & Legacy · 9 min read
Children who first hear the family's number from a lawyer at eighteen struggle. Children who grew into it through a hundred small conversations do not. The question is not whether to tell them but how to make it ordinary.
Money & Legacy · 9 min read
Wealth rarely survives three generations by accident. Families who beat the odds have a written agreement on values, decisions, roles and money that has no legal force and enormous practical force. Here is what goes in it.
