It's about time in the market rather than market timing

saving for children

Shares historically have provided the best returns when making a long-term investment for a child, but direct investment is not suitable unless the investors are experienced

With the subject of saving for a child rarely off the personal finance agenda, we are frequently presented with news articles reminding us about how expensive it is to bring up a child in today's world. This can range from £100k to £250k depending on whether they dress in the latest clothes and trainers or insist on having the most up-to-date gadgets. The politicians then get in on the act, and tell us that despite tax rises we cannot expect our children to enjoy the free college or university education of yesteryear and that we should expect our children to be crippled with debt if they wa...