It’s probably not true, but when asked to name the most powerful force in the universe, Albert Einstein simply replied “Compound Interest”.

What is true, though, is that investing money for the benefit of your children as early as you can is an extremely powerful way to give them a head start in life.

Even modest amounts set aside on a regular basis could grow substantially by the time they’re needed. 

In fact, by the time your child reaches age 18, you could have enough money put aside to fund their ongoing education or even their first house deposit.

Investing in this way has added advantages for you too. 

For example, for estate planning purposes, the use of gifting and trusts* to fund such investments might mean you could benefit from some forms of tax mitigation (e.g. Capital Gains Tax and Income Tax).

However, we’d always recommend that you seek specialist advice as to whether such solutions are a good fit for your personal circumstances.

If you’d like to know more about the many ways you can invest in your children’s future contact us today.

The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

*Trusts are not regulated by the Financial Conduct Authority.